Capital City Bank (CCBG) AI Stock Analysis

• Market Cap: $647.58M
• Dividend Yield: 2.53%
• Average Volume (3M): 25.02K
• Price to Earnings (P/E): 11.3
• Beta (1Y): 0.62
• Revenue Growth: 8.13%
• EPS Growth: 11.18%
• Country: US
• Employees: 940
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 3.37
• Shares Outstanding: 17,054,945
• 10 Day Avg. Volume: 30,417
• 30 Day Avg. Volume: 25,023
• PEG Ratio: 0.84
• Price to Book (P/B): 1.40
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 10.16
• Enterprise Value/Market Cap: 0.91
• Enterprise Value/Revenue: 0.59
• Enterprise Value/Gross Profit: 2.32
• Enterprise Value/Ebitda: 2.57
• 1Y Price Target: $43.00
• Price Target Upside: 13.25% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 77 Outperform
• Price Target: $43.00 ▲(13.25%Upside)

Capital City Bank's strong financial performance and recent positive corporate events are key drivers of its overall score. The company's solid profitability and strategic leadership changes provide a favorable outlook. Technical analysis and valuation also contribute positively, though moderate momentum suggests cautious optimism.

Capital City Bank Business Overview & Revenue Model

Company Description

Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking and banking-related services to individual and corporate clients. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. It also provides commercial and residential real estate lending products, as well as fixed- and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans; and credit card programs. In addition, the company offers institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Further, it provides consumer banking services comprising checking accounts, savings programs, interactive/automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and online and mobile banking services. Additionally, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and various retail securities products, such as the U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care. As of December 31, 2021, it operated through 57 banking offices and 86 ATMs/ITMs in Florida, Georgia, and Alabama. The company was founded in 1895 and is headquartered in Tallahassee, Florida.

How the Company Makes Money

Capital City Bank Group makes money primarily through interest income generated from its loan portfolio, which includes personal, commercial, and mortgage loans. The bank earns interest by lending money to customers at higher rates than it pays on deposits and borrowings. Additionally, the company generates non-interest income from fees and services such as transaction fees for credit and debit card usage, account maintenance fees, and wealth management services. Capital City Bank may also earn income from investment securities and partnerships that provide additional revenue streams. The company's earnings are influenced by factors like interest rate fluctuations, economic conditions, and regional banking competition.

Capital City Bank Financial Statement Overview

Summary

Capital City Bank demonstrates a robust financial standing with strong profitability and stable growth. The income and balance sheet metrics highlight effective financial management and growth potential. While the cash flow analysis shows positive trends, attention to cash flow volatility will be crucial for sustained financial health.

Income Statement

The company's income statement reflects strong financial performance with increasing revenues over the years. The gross profit margin stands high due to efficient cost management, and the net profit margin has shown an upward trend, indicating robust profitability. Revenue growth is consistent, with a notable increase in recent periods, suggesting a strong market position. However, fluctuations in EBIT margin point to variations in operational efficiency.

Balance Sheet

The balance sheet is solid, with a favorable debt-to-equity ratio indicating a conservative leverage approach. The return on equity has improved, reflecting effective utilization of shareholder funds. A strong equity ratio enhances financial stability, though the slightly increasing total debt warrants monitoring to prevent potential leverage risks.

Cash Flow

The cash flow situation is positive, with a growing free cash flow indicating enhanced financial flexibility. The operating cash flow to net income ratio is healthy, showcasing efficient cash generation from operations. However, the volatility in cash flows over the periods suggests potential liquidity management challenges.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
253.49M	226.50M	223.61M	212.55M	203.84M	206.66M
	Gross Profit
253.68M	226.50M	220.60M	212.55M	203.84M	206.66M
	EBIT
74.11M	65.57M	-3.01M	57.12M	43.23M	41.81M
	EBITDA
71.91M	73.40M	-3.17M	57.85M	57.16M	60.11M
	Net Income Common Stockholders
57.22M	52.91M	52.26M	33.41M	33.40M	42.65M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
543.06M	496.46M	421.02M	485.41M	719.92M	392.79M
	Total Assets
4.46B	4.32B	4.30B	4.53B	4.26B	3.80B
	Total Debt
90.88M	55.74M	61.59M	110.19M	88.33M	135.60M
	Net Debt
12.36M	-14.80M	-21.53M	38.08M	23.02M	67.68M
	Total Liabilities
3.95B	3.83B	3.86B	4.13B	3.88B	3.48B
	Stockholders Equity
512.58M	495.32M	448.03M	394.02M	383.17M	320.84M
Cash Flow		Free Cash Flow
67.34M	54.88M	50.21M	54.24M	110.73M	-58.35M
	Operating Cash Flow
76.18M	63.57M	57.25M	60.56M	115.92M	-48.61M
	Investing Cash Flow
28.07M	68.35M	-71.01M	-733.70M	-447.72M	-32.59M
	Financing Cash Flow
121.01M	-52.14M	-274.82M	238.43M	438.60M	631.33M

Capital City Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 37.97
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCBG, the sentiment is Positive. The current price of 37.97 is above the 20-day moving average (MA) of 37.74, above the 50-day MA of 36.38, and above the 200-day MA of 35.85, indicating a bullish trend. The MACD of 0.20 indicates Positive momentum. The RSI at 55.62 is Neutral, neither overbought nor oversold. The STOCH value of 51.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CCBG.

Capital City Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MCB	79 Outperform	$703.57M	11.10	9.47%	―	14.53%	-2.85%
HBT	78 Outperform	$768.49M	10.23	14.24%	3.44%	6.98%	5.97%
CCBG	77 Outperform	$647.58M	11.28	11.83%	2.53%	8.13%	11.18%
HTB	74 Outperform	$648.41M	11.72	9.96%	1.30%	5.23%	-7.72%
Sector *	64 Neutral	$12.85B	9.81	7.79%	78.20%	12.23%	-7.93%
MOFG	57 Neutral	$614.73M	―	-8.74%	3.28%	-27.65%	-343.61%
EGBN	55 Neutral	$569.88M	―	-3.60%	3.52%	1.68%	-159.14%

Capital City Bank Corporate Events

Capital City Bank Announces New Leadership Appointments

On June 2, 2025, Capital City Bank Group announced significant leadership changes effective July 1, 2025, with Bethany H. Corum appointed as President of Capital City Bank and Thomas A. Barron as President of Capital City Bank Group and Chairman of the Bank’s Board of Directors. These appointments are part of a strategic initiative to diversify executive leadership and support the company’s growth phase. William G. Smith Jr. will continue as CEO and Chairman of CCBG. Corum, with extensive experience in various operational roles since 2015, becomes the first female president in the bank’s history, marking a milestone during its 130th anniversary. Barron, with a long tenure and significant contributions to the company’s evolution, will continue to guide its strategic direction. These changes are expected to strengthen the company’s management and industry positioning.

The most recent analyst rating on (CCBG) stock is a Hold with a $34.00 price target. To see the full list of analyst forecasts on Capital City Bank stock, see the CCBG Stock Forecast page.

Capital City Bank Releases Q1 2025 Investor Presentation

Capital City Bank Group, Inc. has released its first quarter 2025 Investor Presentation on its website. The presentation materials, which are included in Exhibit 99.1, provide insights into the company’s financial performance and strategic direction for the quarter.

The most recent analyst rating on (CCBG) stock is a Hold with a $34.00 price target. To see the full list of analyst forecasts on Capital City Bank stock, see the CCBG Stock Forecast page.