CCBG Stock Analysis: Capital City Bank | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 836m USD | 12M Return: 17.3% | US1396741050 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.83M
EPS Trend: 75.7%
Qual. Beats: 0
Rev. Trend: 95.1%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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 Tallahassee, Florida-based financial holding company that operates Capital City Bank, founded in 1895. The company serves both individual and corporate clients across a diversified set of banking and financial services lines.
Its commercial banking offerings include loans for business properties, equipment, inventories, and accounts receivable, as well as commercial leasing, letters of credit, treasury management, and merchant credit card processing. It also provides commercial and residential real estate lending, including fixed and adjustable-rate residential mortgages.
On the consumer side, CCBG offers personal, automobile, boat/RV, and home equity loans, along with checking and savings accounts, debit/credit cards, ATMs, safe deposit facilities, and online and mobile banking services. It further operates an institutional banking segment serving state and local governments, public schools and colleges, and not-for-profit associations with customized deposit accounts, tax-exempt loans, and term lending.
In addition, the company provides wealth and retail investment services, including personal trust, IRA, and investment management accounts, plus brokerage products such as U.S. government and municipal bonds, mutual funds, annuities, life insurance, and various financial, tax, and estate planning advisory services. It also operates a mortgage banking segment.
As a small-cap U.S. regional bank (GICS Sub Industry: Regional Banks), CCBG competes primarily within its Florida and Southeast footprint, where community and regional banks typically generate revenue from a blend of net interest income on loans and deposits, complemented by fee-based services such as wealth management, treasury management, and mortgage origination.
- Net interest margin benefits from stable Fed rate environment
- Florida commercial real estate loan portfolio growth drives earnings
- Mortgage banking revenue pressured by elevated long-term rates
| Net Income: 61.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.02 > 1.0 |
| NWC/Revenue: -1.34k% < 20% (prev -1.19k%; Δ -142.3% < -1%) |
| CFO/TA 0.02 > 3% & CFO 79.9m > Net Income 61.7m |
| Net Debt (13.7m) to EBITDA (91.0m): 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 October 06, 2026, the stock is trading at USD 49.31 with a total of 50,511 shares traded. Over the past week, the price has changed by +0.14%, over one month by -2.68%, over three months by +0.11% and over the past year by +17.28%.
Current recommended Stop Loss: 47.10 (which is 4.5% or 2.3 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 | 51.7 | 4.8% |
P/E Trailing = 13.5667
P/E Forward = 10.0402
P/S = 3.3248
P/B = 1.4928
P/EG = 2.405
Revenue TTM = 278.3m USD
EBIT TTM = 83.6m USD
EBITDA TTM = 91.0m USD
Long Term Debt = 33.9m USD (from longTermDebt, last quarter)
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 = 849.5m USD (835.8m + Debt 80.8m - CCE 67.1m)
Interest Coverage Ratio = 2.61 (Ebit TTM 83.6m / Interest Expense TTM 32.1m)
EV/FCF = 12.14x (Enterprise Value 849.5m / FCF TTM 70.0m)
FCF Yield = 8.24% (FCF TTM 70.0m / Enterprise Value 849.5m)
FCF Margin = 25.15% (FCF TTM 70.0m / 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 = 0.19 (Enterprise Value 849.5m / 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 91.0m)
Debt / FCF = 0.20 (Net Debt 13.7m / FCF TTM 70.0m)
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 = 14.17% (EBIT 83.6m / Capital Employed (Equity 555.9m + L.T.Debt 33.9m))
RoIC = 1.43% (NOPAT 63.3m / Invested Capital 4.44b)
WACC = 9.35% (E(835.8m)/V(916.6m) * Re(7.35%) + D(80.8m)/V(916.6m) * Rd(39.70%) * (1-Tc(0.24)))
Discount Rate = 7.35% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 94.03 | Cagr: 0.41%
[DCF] Terminal Value 72.05% ; FCFF base≈69.9m ; Y1≈70.4m ; Y5≈74.9m
[DCF] Fair Price = 57.37 (EV 995.4m - Net Debt 13.7m = Equity 981.7m / Shares 17.1m; r=9.35% [WACC]; 5y FCF grow 0.32% → 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=0.95 | Chg30d=+3.66% | Revisions=+40% | Analysts=3
EPS current Year (2026-12-31): EPS=3.71 | Chg30d=+2.96% | Revisions=+40% | GrowthEPS=+3.1% | GrowthRev=+1.8%
EPS next Year (2027-12-31): EPS=3.75 | Chg30d=+3.21% | Revisions=+40% | GrowthEPS=+1.0% | GrowthRev=+3.1%
[Analyst] Revisions Ratio: +67% (up=6, down=0)