(CCBG) Capital City Bank - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 777m USD | Total Return: 26.6% in 12m
Avg Turnover: 2.88M
EPS Trend: 81.7%
Qual. Beats: 1
Rev. Trend: 95.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Confidence
Capital City Bank Group (CCBG) is a Tallahassee-based financial holding company operating primarily through its subsidiary, Capital City Bank. Established in 1895, the firm provides a comprehensive suite of commercial and retail banking services, including real estate lending, treasury management, and institutional banking for government and non-profit entities. Its diversified revenue streams are further supported by asset management, mortgage banking, and retail investment brokerage services.
As a regional bank, CCBG relies heavily on the net interest margin, which is the spread between interest earned on loans and interest paid on deposits. Regional institutions often maintain a competitive advantage through localized credit underwriting and deep-seated community relationships that larger national banks may lack. You may find it useful to evaluate these fundamental drivers further on ValueRay.
The companys business model integrates traditional lending with fee-based advisory services, such as estate planning and insurance. This structure helps mitigate volatility during fluctuating interest rate cycles by balancing interest income with steady service charges and management fees.
- Net interest margin sensitivity to Federal Reserve benchmark rate fluctuations
- Commercial and residential real estate loan demand in Southeastern markets
- Asset management and trust services growth stabilizes non-interest income
- Credit quality and loss reserves impact profitability during economic downturns
- Mortgage banking volume remains highly dependent on seasonal housing market trends
| Net Income: 60.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.14 > 1.0 |
| NWC/Revenue: 6.23% < 20% (prev -1.23k%; Δ 1.24k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 99.8m > Net Income 60.5m |
| Net Debt (-559.9m) to EBITDA (89.9m): -6.23 < 3 |
| Current Ratio: 1.00 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.1m) vs 12m ago 0.60% < -2% |
| Gross Margin: 89.92% > 18% (prev 0.85%; Δ 8.91k% > 0.5%) |
| Asset Turnover: 6.17% > 50% (prev 5.97%; Δ 0.20% > 0%) |
| Interest Coverage Ratio: 2.52 > 6 (EBITDA TTM 89.9m / Interest Expense TTM 32.7m) |
| A: 0.00 (Total Current Assets 3.80b - Total Current Liabilities 3.78b) / Total Assets 4.45b |
| B: 0.12 (Retained Earnings 519.6m / Total Assets 4.45b) |
| C: 0.02 (EBIT TTM 82.4m / Avg Total Assets 4.46b) |
| D: 0.13 (Book Value of Equity 520.1m / Total Liabilities 3.89b) |
| Altman-Z'' = 0.67 = B |
As of May 24, 2026, the stock is trading at USD 46.68 with a total of 61,780 shares traded.
Over the past week, the price has changed by +2.09%,
over one month by +2.07%,
over three months by +11.52% and
over the past year by +26.55%.
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 | 49 | 5% |
P/E Forward = 10.0402
P/S = 3.1086
P/B = 1.43
P/EG = 2.405
Revenue TTM = 274.8m USD
EBIT TTM = 82.4m USD
EBITDA TTM = 89.9m USD
Long Term Debt = 34.0m USD (from longTermDebt, last quarter)
Short Term Debt = 33.3m USD (from shortTermDebt, last quarter)
Debt = 67.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -559.9m USD (calculated: Debt 67.3m - CCE 627.2m)
Enterprise Value = 217.5m USD (777.4m + Debt 67.3m - CCE 627.2m)
Interest Coverage Ratio = 2.52 (Ebit TTM 82.4m / Interest Expense TTM 32.7m)
EV/FCF = 3.40x (Enterprise Value 217.5m / FCF TTM 63.9m)
FCF Yield = 29.39% (FCF TTM 63.9m / Enterprise Value 217.5m)
FCF Margin = 23.26% (FCF TTM 63.9m / Revenue TTM 274.8m)
Net Margin = 22.02% (Net Income TTM 60.5m / Revenue TTM 274.8m)
Gross Margin = 89.92% ((Revenue TTM 274.8m - Cost of Revenue TTM 27.7m) / Revenue TTM)
Gross Margin QoQ = none% (prev 88.37%)
Tobins Q-Ratio = 0.05 (Enterprise Value 217.5m / Total Assets 4.45b)
Interest Expense / Debt = 48.63% (Interest Expense 32.7m / Debt 67.3m)
Taxrate = 23.46% (4.85m / 20.7m)
NOPAT = 63.1m (EBIT 82.4m * (1 - 23.46%))
Current Ratio = 0.50 (Total Current Assets 3.80b / Total Current Liabilities 7.61b)
Debt / Equity = 0.12 (Debt 67.3m / totalStockholderEquity, last quarter 559.9m)
Debt / EBITDA = -6.23 (Net Debt -559.9m / EBITDA 89.9m)
Debt / FCF = -8.76 (Net Debt -559.9m / FCF TTM 63.9m)
Total Stockholder Equity = 545.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.36% (Net Income 60.5m / Total Assets 4.45b)
RoE = 11.10% (Net Income TTM 60.5m / Total Stockholder Equity 545.0m)
RoCE = 14.23% (EBIT 82.4m / Capital Employed (Equity 545.0m + L.T.Debt 34.0m))
RoIC = 9.38% (NOPAT 63.1m / Invested Capital 672.1m)
WACC = 10.35% (E(777.4m)/V(844.7m) * Re(8.02%) + D(67.3m)/V(844.7m) * Rd(48.63%) * (1-Tc(0.23)))
Discount Rate = 8.02% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 71.91 | Cagr: 0.39%
[DCF] Terminal Value 70.32% ; FCFF base≈61.5m ; Y1≈67.2m ; Y5≈84.3m
[DCF] Fair Price = 88.70 (EV 957.1m - Net Debt -559.9m = Equity 1.52b / Shares 17.1m; r=10.35% [WACC]; 5y FCF grow 10.68% → 2.50% )
EPS Correlation: 81.65 | EPS CAGR: 6.04% | SUE: 1.10 | # QB: 1
Revenue Correlation: 95.71 | Revenue CAGR: 6.39% | SUE: -0.05 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.91 | Chg30d=+3.42% | Revisions=+43% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.92 | Chg30d=+1.85% | Revisions=+14% | Analysts=3
EPS current Year (2026-12-31): EPS=3.63 | Chg30d=+4.21% | Revisions=+43% | GrowthEPS=+0.8% | GrowthRev=+1.5%
EPS next Year (2027-12-31): EPS=3.66 | Chg30d=+3.30% | Revisions=+33% | GrowthEPS=+0.7% | GrowthRev=+3.5%
[Analyst] Revisions Ratio: +43%