(CCBG) Capital City Bank - Overview
Sector: Financial ServicesIndustry: Banks - Regional | Exchange NASDAQ (USA) | Currency USD | Market Cap: 718m | Total Return 22% in 12m
Stock: Loans, Deposits, Investments, Insurance, Advisory
Total Rating 50
Risk 62
Buy Signal 0.27
| Risk 5d forecast | |
|---|---|
| Volatility | 28.7% |
| Relative Tail Risk | -6.76% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.71 |
| Alpha | 12.49 |
| Character TTM | |
|---|---|
| Beta | 0.637 |
| Beta Downside | 1.248 |
| Drawdowns 3y | |
|---|---|
| Max DD | 22.16% |
| CAGR/Max DD | 0.76 |
EPS (Earnings per Share)
Revenue
Description: CCBG Capital City Bank March 04, 2026
Capital City Bank Group (CCBG) is a financial holding company operating Capital City Bank. It offers banking services to individuals and corporations.
The company provides commercial financing, including real estate, equipment, and accounts receivable loans. Regional banks often focus on local businesses for such lending.
CCBG also offers real estate lending, consumer loans, and credit card programs. Retail banking services are a core component of its business model.
Institutional banking services are provided to government entities, educational institutions, and non-profit organizations. This segment typically involves tailored financial solutions.
Consumer banking services include checking, savings, ATM access, and online/mobile banking. These are standard offerings in the banking sector.
The company provides asset management for individuals, encompassing trusts, IRAs, and investment management. It also offers various retail investment products, such as bonds, stocks, mutual funds, and annuities.
CCBG was founded in 1895 and is headquartered in Tallahassee, Florida. For more detailed financial analysis, consider exploring ValueRay.
Headlines to watch out for
- Net interest income growth driven by loan demand
- Regulatory changes impact compliance costs and profitability
- Economic downturns reduce loan demand and increase defaults
- Interest rate fluctuations affect lending margins and deposit costs
- Wealth management fees contribute to non-interest income
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 61.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.97 > 1.0 |
| NWC/Revenue: 4.33% < 20% (prev -1.26k%; Δ 1.26k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 105.7m > Net Income 61.6m |
| Net Debt (31.2m) to EBITDA (89.4m): 0.35 < 3 |
| Current Ratio: 1.24 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.1m) vs 12m ago 1.01% < -2% |
| Gross Margin: 87.11% > 18% (prev 0.88%; Δ 8.62k% > 0.5%) |
| Asset Turnover: 6.41% > 50% (prev 5.89%; Δ 0.52% > 0%) |
| Interest Coverage Ratio: 1.93 > 6 (EBITDA TTM 89.4m / Interest Expense TTM 32.7m) |
Altman Z'' 0.63
| A: 0.00 (Total Current Assets 62.2m - Total Current Liabilities 50.1m) / Total Assets 4.39b |
| B: 0.12 (Retained Earnings 508.4m / Total Assets 4.39b) |
| C: 0.01 (EBIT TTM 63.1m / Avg Total Assets 4.36b) |
| D: 0.13 (Book Value of Equity 511.2m / Total Liabilities 3.83b) |
| Altman-Z'' Score: 0.63 = B |
Beneish M
| DSRI: none (Receivables 9.80m/none, Revenue 279.3m/254.7m) |
| GMI: 1.01 (GM 87.11% / 88.08%) |
| AQI: 1.12 (AQ_t 0.97 / AQ_t-1 0.87) |
| SGI: 1.10 (Revenue 279.3m / 254.7m) |
| TATA: -0.01 (NI 61.6m - CFO 105.7m) / TA 4.39b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of CCBG shares?
As of March 27, 2026, the stock is trading at USD 43.37 with a total of 77,027 shares traded.
Over the past week, the price has changed by +2.85%, over one month by +0.61%, over three months by +2.41% and over the past year by +21.99%.
Over the past week, the price has changed by +2.85%, over one month by +0.61%, over three months by +2.41% and over the past year by +21.99%.
Is CCBG a buy, sell or hold?
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
What are the forecasts/targets for the CCBG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 45.5 | 4.9% |
| Analysts Target Price | 45.5 | 4.9% |
CCBG Fundamental Data Overview March 22, 2026
P/E Trailing = 11.6333
P/E Forward = 10.0402
P/S = 2.8879
P/B = 1.3003
P/EG = 2.405
Revenue TTM = 279.3m USD
EBIT TTM = 63.1m USD
EBITDA TTM = 89.4m USD
Long Term Debt = 43.3m USD (from longTermDebt, last quarter)
Short Term Debt = 50.1m USD (from shortTermDebt, last quarter)
Debt = 93.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 31.2m USD (from netDebt column, last quarter)
Enterprise Value = 749.5m USD (718.3m + Debt 93.4m - CCE 62.2m)
Interest Coverage Ratio = 1.93 (Ebit TTM 63.1m / Interest Expense TTM 32.7m)
EV/FCF = 7.64x (Enterprise Value 749.5m / FCF TTM 98.1m)
FCF Yield = 13.09% (FCF TTM 98.1m / Enterprise Value 749.5m)
FCF Margin = 35.14% (FCF TTM 98.1m / Revenue TTM 279.3m)
Net Margin = 22.04% (Net Income TTM 61.6m / Revenue TTM 279.3m)
Gross Margin = 87.11% ((Revenue TTM 279.3m - Cost of Revenue TTM 36.0m) / Revenue TTM)
Gross Margin QoQ = 88.37% (prev 86.32%)
Tobins Q-Ratio = 0.17 (Enterprise Value 749.5m / Total Assets 4.39b)
Interest Expense / Debt = 8.95% (Interest Expense 8.36m / Debt 93.4m)
Taxrate = 26.32% (4.90m / 18.6m)
NOPAT = 46.5m (EBIT 63.1m * (1 - 26.32%))
Current Ratio = 1.24 (Total Current Assets 62.2m / Total Current Liabilities 50.1m)
Debt / Equity = 0.17 (Debt 93.4m / totalStockholderEquity, last quarter 552.9m)
Debt / EBITDA = 0.35 (Net Debt 31.2m / EBITDA 89.4m)
Debt / FCF = 0.32 (Net Debt 31.2m / FCF TTM 98.1m)
Total Stockholder Equity = 533.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.41% (Net Income 61.6m / Total Assets 4.39b)
RoE = 11.55% (Net Income TTM 61.6m / Total Stockholder Equity 533.1m)
RoCE = 10.95% (EBIT 63.1m / Capital Employed (Equity 533.1m + L.T.Debt 43.3m))
RoIC = 7.57% (NOPAT 46.5m / Invested Capital 614.0m)
WACC = 8.03% (E(718.3m)/V(811.7m) * Re(8.22%) + D(93.4m)/V(811.7m) * Rd(8.95%) * (1-Tc(0.26)))
Discount Rate = 8.22% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.42%
[DCF] Terminal Value 78.15% ; FCFF base≈80.8m ; Y1≈79.7m ; Y5≈82.3m
[DCF] Fair Price = 83.53 (EV 1.46b - Net Debt 31.2m = Equity 1.43b / Shares 17.2m; r=8.03% [WACC]; 5y FCF grow -2.23% → 3.0% )
EPS Correlation: 73.71 | EPS CAGR: 13.35% | SUE: -0.56 | # QB: 0
Revenue Correlation: 87.51 | Revenue CAGR: 13.34% | SUE: 3.00 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.88 | Chg7d=+0.002 | Chg30d=-0.023 | Revisions Net=+0 | Analysts=3
EPS current Year (2026-12-31): EPS=3.48 | Chg7d=+0.023 | Chg30d=-0.093 | Revisions Net=-1 | Growth EPS=-3.2% | Growth Revenue=+2.0%
EPS next Year (2027-12-31): EPS=3.54 | Chg7d=+0.025 | Chg30d=-0.063 | Revisions Net=-1 | Growth EPS=+1.6% | Growth Revenue=+3.2%
[Analyst] Revisions Ratio: +0.00 (1 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.4% (Discount Rate 8.2% - Earnings Yield 8.6%)
[Growth] Growth Spread = +2.7% (Analyst 2.3% - Implied -0.4%)
P/E Forward = 10.0402
P/S = 2.8879
P/B = 1.3003
P/EG = 2.405
Revenue TTM = 279.3m USD
EBIT TTM = 63.1m USD
EBITDA TTM = 89.4m USD
Long Term Debt = 43.3m USD (from longTermDebt, last quarter)
Short Term Debt = 50.1m USD (from shortTermDebt, last quarter)
Debt = 93.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 31.2m USD (from netDebt column, last quarter)
Enterprise Value = 749.5m USD (718.3m + Debt 93.4m - CCE 62.2m)
Interest Coverage Ratio = 1.93 (Ebit TTM 63.1m / Interest Expense TTM 32.7m)
EV/FCF = 7.64x (Enterprise Value 749.5m / FCF TTM 98.1m)
FCF Yield = 13.09% (FCF TTM 98.1m / Enterprise Value 749.5m)
FCF Margin = 35.14% (FCF TTM 98.1m / Revenue TTM 279.3m)
Net Margin = 22.04% (Net Income TTM 61.6m / Revenue TTM 279.3m)
Gross Margin = 87.11% ((Revenue TTM 279.3m - Cost of Revenue TTM 36.0m) / Revenue TTM)
Gross Margin QoQ = 88.37% (prev 86.32%)
Tobins Q-Ratio = 0.17 (Enterprise Value 749.5m / Total Assets 4.39b)
Interest Expense / Debt = 8.95% (Interest Expense 8.36m / Debt 93.4m)
Taxrate = 26.32% (4.90m / 18.6m)
NOPAT = 46.5m (EBIT 63.1m * (1 - 26.32%))
Current Ratio = 1.24 (Total Current Assets 62.2m / Total Current Liabilities 50.1m)
Debt / Equity = 0.17 (Debt 93.4m / totalStockholderEquity, last quarter 552.9m)
Debt / EBITDA = 0.35 (Net Debt 31.2m / EBITDA 89.4m)
Debt / FCF = 0.32 (Net Debt 31.2m / FCF TTM 98.1m)
Total Stockholder Equity = 533.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.41% (Net Income 61.6m / Total Assets 4.39b)
RoE = 11.55% (Net Income TTM 61.6m / Total Stockholder Equity 533.1m)
RoCE = 10.95% (EBIT 63.1m / Capital Employed (Equity 533.1m + L.T.Debt 43.3m))
RoIC = 7.57% (NOPAT 46.5m / Invested Capital 614.0m)
WACC = 8.03% (E(718.3m)/V(811.7m) * Re(8.22%) + D(93.4m)/V(811.7m) * Rd(8.95%) * (1-Tc(0.26)))
Discount Rate = 8.22% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.42%
[DCF] Terminal Value 78.15% ; FCFF base≈80.8m ; Y1≈79.7m ; Y5≈82.3m
[DCF] Fair Price = 83.53 (EV 1.46b - Net Debt 31.2m = Equity 1.43b / Shares 17.2m; r=8.03% [WACC]; 5y FCF grow -2.23% → 3.0% )
EPS Correlation: 73.71 | EPS CAGR: 13.35% | SUE: -0.56 | # QB: 0
Revenue Correlation: 87.51 | Revenue CAGR: 13.34% | SUE: 3.00 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.88 | Chg7d=+0.002 | Chg30d=-0.023 | Revisions Net=+0 | Analysts=3
EPS current Year (2026-12-31): EPS=3.48 | Chg7d=+0.023 | Chg30d=-0.093 | Revisions Net=-1 | Growth EPS=-3.2% | Growth Revenue=+2.0%
EPS next Year (2027-12-31): EPS=3.54 | Chg7d=+0.025 | Chg30d=-0.063 | Revisions Net=-1 | Growth EPS=+1.6% | Growth Revenue=+3.2%
[Analyst] Revisions Ratio: +0.00 (1 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.4% (Discount Rate 8.2% - Earnings Yield 8.6%)
[Growth] Growth Spread = +2.7% (Analyst 2.3% - Implied -0.4%)