CCBG Stock Analysis: Capital City Bank | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 871m USD | 12M Return: 31.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.61M
EPS Trend: 75.7%
Qual. Beats: 0
Rev. Trend: 95.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Capital City Bank Group, Inc. (NASDAQ: CCBG) is a Florida-based financial holding company founded in 1895 and headquartered in Tallahassee. Operating through its subsidiary Capital City Bank, the company provides a full suite of traditional banking and financial services to individual, commercial, and institutional clients, including commercial and consumer lending, real estate financing, treasury management, and merchant card processing. The company also offers institutional banking services tailored to governments, schools, and non-profits, as well as consumer banking products like checking, savings, debit/credit cards, and digital banking channels. In addition, it provides wealth and asset management services, including personal trusts, IRAs, and retail investment products, and operates a mortgage banking business.
As a regional bank (GICS Sub-Industry: Regional Banks) with a small-cap market capitalization of approximately $812M, CCBG follows a community banking business model, generating revenue primarily through net interest income on loans and deposits, supplemented by fee-based income from treasury, wealth management, and mortgage services. Its diversified mix of commercial, consumer, and institutional lending reduces concentration risk, while its in-house wealth and trust operations provide a recurring non-interest income stream typical of full-service community banks.
- Net interest margin trends on Fed rate path
- Florida loan demand drives commercial and residential growth
- Deposit competition pressures funding costs and margins
- Wealth management fees grow on rising AUM
| Net Income: 61.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.69 > 1.0 |
| NWC/Revenue: -1.34k% < 20% (prev -1.19k%; Δ -142.3% < -1%) |
| CFO/TA 0.02 > 3% & CFO 99.8m > Net Income 61.7m |
| Net Debt (13.7m) to EBITDA (89.2m): 0.15 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.1m) vs 12m ago 0.22% < -2% |
| Gross Margin: 90.16% > 18% (prev 86.03%; Δ 4.13% > 0.5%) |
| Asset Turnover: 6.29% > 50% (prev 6.12%; Δ 0.17% > 0%) |
| Interest Coverage Ratio: 2.61 > 6 (EBIT TTM 83.6m / Interest Expense TTM 32.1m) |
| A: -0.84 (Total Current Assets 67.1m - Total Current Liabilities 3.78b) / Total Assets 4.45b |
| B: 0.12 (Retained Earnings 531.3m / Total Assets 4.45b) |
| C: 0.02 (EBIT TTM 83.6m / Avg Total Assets 4.42b) |
| D: 0.15 (Book Value of Equity 570.1m / Total Liabilities 3.88b) |
| Altman-Z'' = -4.81 = D |
As of July 28, 2026, the stock is trading at USD 52.07 with a total of 81,810 shares traded. Over the past week, the price has changed by +4.29%, over one month by +4.85%, over three months by +12.48% and over the past year by +31.82%.
Current recommended Stop Loss: 50.10 (which is 3.8% or 1.3 ATR below the current price).
Capital City Bank has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy CCBG.
- StrongBuy: 1
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 50.3 | -3.3% |
P/E Trailing = 14.7197
P/E Forward = 10.0402
P/S = 3.4826
P/B = 1.5848
P/EG = 2.405
Revenue TTM = 278.3m USD
EBIT TTM = 83.6m USD
EBITDA TTM = 89.2m USD
Long Term Debt = 43.3m USD (from longTermDebt, last fiscal year)
Short Term Debt = 46.9m USD (from shortTermDebt, last quarter)
Debt = 80.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 13.7m USD (calculated: Debt 80.8m - CCE 67.1m)
Enterprise Value = 884.6m USD (871.0m + Debt 80.8m - CCE 67.1m)
Interest Coverage Ratio = 2.61 (Ebit TTM 83.6m / Interest Expense TTM 32.1m)
EV/FCF = 9.48x (Enterprise Value 884.6m / FCF TTM 93.3m)
FCF Yield = 10.55% (FCF TTM 93.3m / Enterprise Value 884.6m)
FCF Margin = 33.53% (FCF TTM 93.3m / Revenue TTM 278.3m)
Net Margin = 22.19% (Net Income TTM 61.7m / Revenue TTM 278.3m)
Gross Margin = 90.16% ((Revenue TTM 278.3m - Cost of Revenue TTM 27.4m) / Revenue TTM)
Gross Margin QoQ = 88.18% (prev none%)
Tobins Q-Ratio = 0.20 (Enterprise Value 884.6m / Total Assets 4.45b)
Interest Expense / Debt = 39.70% (Interest Expense 32.1m / Debt 80.8m)
Taxrate = 24.32% (19.8m / 81.6m)
NOPAT = 63.3m (EBIT 83.6m * (1 - 24.32%))
Current Ratio = 0.02 (Total Current Assets 67.1m / Total Current Liabilities 3.78b)
Debt / Equity = 0.14 (Debt 80.8m / totalStockholderEquity, last quarter 570.1m)
Debt / EBITDA = 0.15 (Net Debt 13.7m / EBITDA 89.2m)
Debt / FCF = 0.15 (Net Debt 13.7m / FCF TTM 93.3m)
Total Stockholder Equity = 555.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.40% (Net Income 61.7m / Total Assets 4.45b)
RoE = 11.11% (Net Income TTM 61.7m / Total Stockholder Equity 555.9m)
RoCE = 13.95% (EBIT 83.6m / Capital Employed (Equity 555.9m + L.T.Debt 43.3m))
RoIC = 1.43% (NOPAT 63.3m / Invested Capital 4.44b)
WACC = 9.84% (E(871.0m)/V(951.8m) * Re(7.97%) + D(80.8m)/V(951.8m) * Rd(39.70%) * (1-Tc(0.24)))
Discount Rate = 7.97% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 94.03 | Cagr: 0.41%
[DCF] Terminal Value 73.29% ; FCFF base≈80.8m ; Y1≈92.6m ; Y5≈136.3m
[DCF] Fair Price = 94.10 (EV 1.62b - Net Debt 13.7m = Equity 1.61b / Shares 17.1m; r=9.84% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 75.67 | EPS CAGR: 5.52% | SUE: 0.42 | # QB: 0
Revenue Correlation: 95.09 | Revenue CAGR: 6.16% | SUE: 0.84 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.97 | Chg30d=+6.21% | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=3.80 | Chg30d=+5.36% | Revisions=+17% | GrowthEPS=+5.6% | GrowthRev=+2.2%
EPS next Year (2027-12-31): EPS=3.68 | Chg30d=+1.19% | Revisions=+17% | GrowthEPS=-3.2% | GrowthRev=+3.4%
[Analyst] Revisions Ratio: +18% (up=5, down=3)