Capital City Bank (BK3) Stock Price & Analysis
BK3 Stock Chart & Stats
- Day’s Range
- EUR 43.40 - EUR 43.40
- 52-Week Range
- EUR 33.20 - EUR 45.40
- Previous Close
- EUR 41.80
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 776.73M
- Enterprise Value
- EUR 830.09M
- Total Cash (Recent Filing)
- EUR 71.62M
- Total Debt (Recent Filing)
- EUR 72.75M
- Price to Earnings (P/E)
- 13.9
- Beta
- 0.51
- Next Earnings
- Jan 26, 2027 (Est.)
- EPS Estimate
- 0.83
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.03%
Bulls Say, Bears Say
Bulls Say
Strong, Sustained Profitability
Sustained net and operating margins indicate an established community-banking franchise is converting deposits and loans into earnings efficiently. This profitability provides internal capital support and resilience as operating conditions change.
Conservative Leverage And Growing Equity
Lower leverage and steady equity accumulation strengthen balance-sheet capacity to absorb credit losses, fund loan growth, and maintain customer confidence. This provides financial flexibility for a regional bank through changing economic conditions.
Supportive Operating Cash Generation
Cash generation broadly converts reported earnings into liquidity, with operating cash flow exceeding net income recently. That supports capital retention, lending capacity, and ongoing operations, even though free cash flow growth has softened.
Bears Say
Uneven Revenue Visibility
The irregular revenue pattern makes it harder to establish a dependable medium-term growth trajectory. Uneven loan demand, deposit economics, or fee activity could reduce forecasting confidence and limit operating leverage.
Recent Free Cash Flow Deterioration
The TTM decline indicates that cash-flow momentum is weaker than the underlying earnings profile. If sustained, lower cash generation could constrain balance-sheet reinvestment, capital flexibility, and the pace of future growth.
Limited Return-on-equity Expansion
Stable ROE demonstrates sound profitability but limited improvement in shareholder returns. Without stronger asset growth, margin expansion, or efficiency gains, the bank may have less capacity to compound capital and earnings at a faster rate.
Capital City Bank News
BK3 FAQ
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Capital City Bank Stock Smart Score
Company Description
Capital City Bank
Capital City Bank Group, Inc. functions as the financial holding company for Capital City Bank, delivering a comprehensive array of financial services to both individual consumers and businesses. Its commercial offerings encompass financing for business properties, equipment, inventories, and accounts receivable, in addition to commercial leasing, letters of credit, treasury management solutions, and merchant credit card transaction processing. The institution also offers commercial and residential real estate loans, including both fixed and adjustable-rate mortgages for homes, along with personal loans for vehicles, recreational vehicles, and home equity, as well as various credit card options. Furthermore, it delivers specialized institutional banking services to a diverse clientele, including state and local governments, public educational institutions, charities, membership organizations, and non-profit associations. These services feature tailored checking and savings accounts, sophisticated cash management systems, tax-exempt loans, lines of credit, and term financing. For its consumer base, the bank provides a full spectrum of services such as checking and savings accounts, access to interactive and automated teller machines (ATMs/ITMs), debit and credit cards, night deposit boxes, safe deposit facilities, and modern online and mobile banking capabilities. The company also offers individual asset management solutions, including agency accounts, personal trusts, IRAs, and personalized investment management. Its retail securities product offerings extend to U.S. government and tax-free municipal bonds, equities, mutual funds, unit investment trusts, annuities, life insurance, and long-term healthcare plans. As of December 31, 2021, its operational footprint included 57 banking branches and 86 ATM/ITM locations spanning Florida, Georgia, and Alabama. Established in 1895, Capital City Bank Group maintains its corporate headquarters in Tallahassee, Florida.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- William Godfrey Smith Jr.
- Employees
- 902
- Website
- www.ccbg.com
- Address
- 217 North Monroe Street, Tallahassee, FL, 32301, US
Capital City Bank (BK3) Earnings & Revenues
BK3 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 3 | 3 |
| Technical Analysis | 3 | 3 | 3 |
| Moving Averages | 12 | 0 | 0 |