CCBG Stock Analysis: Capital City Bank | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 849m USD | 12M Return: 22.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.82M
EPS Trend: 75.5%
Qual. Beats: 1
Rev. Trend: 95.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
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: 60.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.71 > 1.0 |
| NWC/Revenue: -1.21k% < 20% (prev -1.23k%; Δ 18.99% < -1%) |
| CFO/TA 0.02 > 3% & CFO 99.8m > Net Income 60.5m |
| Net Debt (-387.4m) to EBITDA (89.9m): -4.31 < 3 |
| Current Ratio: 0.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.1m) vs 12m ago 0.60% < -2% |
| Gross Margin: 89.92% > 18% (prev 85.22%; Δ 4.70% > 0.5%) |
| Asset Turnover: 6.17% > 50% (prev 5.97%; Δ 0.20% > 0%) |
| Interest Coverage Ratio: 2.52 > 6 (EBIT TTM 82.4m / Interest Expense TTM 32.7m) |
| A: -0.75 (Total Current Assets 454.7m - 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: 0.14 (Book Value of Equity 559.9m / Total Liabilities 3.89b) |
| Altman-Z'' = -4.25 = D |
As of July 08, 2026, the stock is trading at USD 49.05 with a total of 71,184 shares traded. Over the past week, the price has changed by -1.23%, over one month by +8.40%, over three months by +8.90% and over the past year by +22.45%.
Current recommended Stop Loss: 46.30 (which is 5.6% or 2.1 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 | 49 | -0.1% |
P/E Trailing = 14.0595
P/E Forward = 12.0773
P/S = 3.3937
P/B = 1.5159
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 = -387.4m USD (calculated: Debt 67.3m - CCE 454.7m)
Enterprise Value = 461.3m USD (848.7m + Debt 67.3m - CCE 454.7m)
Interest Coverage Ratio = 2.52 (Ebit TTM 82.4m / Interest Expense TTM 32.7m)
EV/FCF = 4.94x (Enterprise Value 461.3m / FCF TTM 93.3m)
FCF Yield = 20.23% (FCF TTM 93.3m / Enterprise Value 461.3m)
FCF Margin = 33.95% (FCF TTM 93.3m / 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 = 0.10 (Enterprise Value 461.3m / Total Assets 4.45b)
Interest Expense / Debt = 48.63% (Interest Expense 32.7m / Debt 67.3m)
Taxrate = 24.73% (19.9m / 80.4m)
NOPAT = 62.0m (EBIT 82.4m * (1 - 24.73%))
Current Ratio = 0.12 (Total Current Assets 454.7m / Total Current Liabilities 3.78b)
Debt / Equity = 0.12 (Debt 67.3m / totalStockholderEquity, last quarter 559.9m)
Debt / EBITDA = -4.31 (Net Debt -387.4m / EBITDA 89.9m)
Debt / FCF = -4.15 (Net Debt -387.4m / FCF TTM 93.3m)
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 = 9.01% (NOPAT 62.0m / Invested Capital 688.4m)
WACC = 9.81% (E(848.7m)/V(916.0m) * Re(7.69%) + D(67.3m)/V(916.0m) * Rd(48.63%) * (1-Tc(0.25)))
Discount Rate = 7.69% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 71.91 | Cagr: 0.39%
[DCF] Terminal Value 73.38% ; FCFF base≈80.8m ; Y1≈92.6m ; Y5≈136.3m
[DCF] Fair Price = 118.0 (EV 1.63b - Net Debt -387.4m = Equity 2.02b / Shares 17.1m; r=9.81% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 75.46 | EPS CAGR: 5.48% | SUE: 0.94 | # QB: 1
Revenue Correlation: 95.71 | Revenue CAGR: 6.39% | SUE: -0.05 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.90 | Chg30d=+2.07% | Revisions=+40% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.91 | Chg30d=+0.36% | Revisions=+0% | Analysts=3
EPS current Year (2026-12-31): EPS=3.61 | Chg30d=+3.34% | Revisions=+17% | GrowthEPS=+0.2% | GrowthRev=+1.5%
EPS next Year (2027-12-31): EPS=3.63 | Chg30d=+2.44% | Revisions=+17% | GrowthEPS=+0.7% | GrowthRev=+3.5%
[Analyst] Revisions Ratio: +31% (up=7, down=3)