Capital City Bank Group, Inc. (CCBG) Stock Analysis

Why this analysis is different

• A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
• An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
• Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.

Capital City Bank Group, Inc. (CCBG) Financial Services Profile

Capital City Bank Group, Inc., established in 1895, operates as a regional bank holding company, delivering diverse financial services, including commercial lending, retail banking, and wealth management, across Florida, Georgia, and Alabama. The company distinguishes itself through a community-focused approach and a comprehensive suite of financial solutions.

What Is the Investment Thesis for CCBG?

Capital City Bank Group presents a stable investment opportunity within the regional banking sector, supported by its long-standing history and diversified service offerings. With a P/E ratio of 12.7 and a dividend yield of 2.21%, the company offers a blend of value and income. A profit margin of 22.0% and a gross margin of 89.9% indicate efficient operations. Growth catalysts include expansion of its digital banking platform and strategic acquisitions within its geographic footprint. However, potential risks include interest rate sensitivity and competition from larger national banks. The company's beta of 0.31 suggests lower volatility compared to the broader market, making it a potentially noteworthy option for risk-averse investors. Ongoing investments in technology and customer service are expected to drive future growth and profitability.

Based on FMP financials and quantitative analysis

CCBG Key Highlights

• Market capitalization of $854M reflects the company's established presence in the regional banking sector.
• P/E ratio of 12.7 indicates a reasonable valuation compared to its earnings.
• Profit margin of 22.0% demonstrates efficient operations and profitability.
• Gross margin of 89.9% highlights the company's ability to manage costs effectively.
• Dividend yield of 2.21% provides a steady income stream for investors.

Who Are CCBG's Competitors?

CCBG is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance

What Are CCBG's Key Strengths?

• Strong presence in Florida, Georgia, and Alabama.
• Diversified range of banking and financial services.
• Long-standing relationships with its customers.
• Community-focused approach.

What Are CCBG's Weaknesses?

• Limited geographic reach compared to larger national banks.
• Reliance on traditional banking services.
• Exposure to interest rate risk.
• Smaller market capitalization compared to larger competitors.

What Could Drive CCBG Stock Higher?

• Expansion of digital banking services to attract younger customers.
• Strategic acquisitions to increase market share.
• Growth in wealth management business driven by favorable market conditions.
• Increased commercial lending activity due to economic growth in the Southeast.

What Are the Key Risks for CCBG?

• Financial-distress signal — its Altman Z-Score of -0.48 sits in the distress zone (elevated bankruptcy risk).
• Interest rate hikes could negatively impact net interest margin.
• Increased competition from larger national banks and fintech companies.
• Economic downturn could lead to credit quality deterioration.
• Regulatory changes and compliance costs could increase operating expenses.

What Are the Growth Opportunities for CCBG?

• Expansion of Digital Banking Platform: Capital City Bank Group can capitalize on the growing demand for digital banking services by expanding its online and mobile banking platform. This includes offering a wider range of digital products and services, such as online account opening, mobile check deposit, and digital payments. The market for digital banking is expected to reach $9 trillion by 2028, providing a significant growth opportunity for the company. Timeline: Ongoing.
• Strategic Acquisitions: Capital City Bank Group can pursue strategic acquisitions of smaller banks and financial institutions within its geographic footprint to expand its market share and customer base. This includes targeting banks with complementary business lines and a strong presence in attractive markets. The market for bank acquisitions is expected to remain active, driven by consolidation trends in the industry. Timeline: Ongoing.
• Wealth Management Services: Capital City Bank Group can grow its wealth management business by offering a wider range of investment products and services to its high-net-worth clients. This includes expanding its team of financial advisors and developing new investment strategies. The market for wealth management is expected to grow at a rate of 7% per year, driven by the increasing wealth of individuals and families. Timeline: Ongoing.
• Commercial Lending: Capital City Bank Group can increase its commercial lending activity by targeting small and medium-sized businesses in its markets. This includes offering a variety of loan products, such as term loans, lines of credit, and commercial real estate loans. The market for commercial lending is expected to grow at a rate of 5% per year, driven by the growth of the economy and the increasing demand for capital from businesses. Timeline: Ongoing.
• Geographic Expansion: Capital City Bank Group can expand its geographic footprint by opening new branches and offices in attractive markets. This includes targeting markets with strong economic growth and a growing population. The company can also expand its presence in existing markets by opening new branches in underserved areas. Timeline: Ongoing.

What Opportunities Does CCBG Have?

• Expansion of digital banking platform.
• Strategic acquisitions of smaller banks.
• Growth of wealth management business.
• Increased commercial lending activity.

What Threats Does CCBG Face?

• Competition from larger national banks and fintech companies.
• Regulatory changes and compliance costs.
• Economic downturn and credit quality deterioration.
• Interest rate fluctuations.

What Are CCBG's Competitive Advantages?

• Established brand and reputation in its local markets.
• Long-standing relationships with its customers.
• Community-focused approach.
• Diversified range of banking and financial services.

What Does CCBG Do?

Capital City Bank Group, Inc., headquartered in Tallahassee, Florida, has been serving individual and corporate clients since its founding in 1895. Originally established as a community bank, the company has evolved into a financial holding company operating through its subsidiary, Capital City Bank. The bank provides a comprehensive range of banking and banking-related services, including commercial and retail banking, lending, and wealth management. Its commercial banking services encompass financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit. The company also offers treasury management services and merchant credit card transaction processing. On the retail side, Capital City Bank provides commercial and residential real estate lending products, fixed- and adjustable-rate residential mortgage loans, and various consumer loans such as personal, automobile, boat/RV, and home equity loans. The company also offers credit card programs, checking accounts, savings programs, and online and mobile banking services. Institutional banking services are tailored to state and local governments, public schools and colleges, charities, membership, and not-for-profit associations, including customized checking and savings accounts, cash management systems, and tax-exempt loans. Capital City Bank also provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts. The company offers retail securities products, such as U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care. As of December 31, 2021, Capital City Bank Group operated through 57 banking offices and 86 ATMs/ITMs across Florida, Georgia, and Alabama, focusing on building long-term relationships with its customers and communities.

What Products and Services Does CCBG Offer?

• Provides commercial banking services, including financing for business properties, equipment, and inventories.
• Offers commercial leasing and letters of credit.
• Provides treasury management services and merchant credit card transaction processing.
• Offers commercial and residential real estate lending products.
• Provides personal, automobile, boat/RV, and home equity loans.
• Offers credit card programs.
• Provides institutional banking services to state and local governments, schools, and charities.
• Offers asset management and retail securities products.

How Does CCBG Make Money?

• Generates revenue through interest income from loans.
• Earns fees from treasury management and merchant services.
• Provides wealth management services for a fee.
• Offers retail securities products for commission.

What Industry Does CCBG Operate In?

Capital City Bank Group operates in the regional banking sector, which is characterized by increasing competition from larger national banks and fintech companies. The industry is also subject to regulatory changes and interest rate fluctuations. The regional banking market is expected to grow moderately, driven by economic expansion in the Southeast and increased demand for financial services from small and medium-sized businesses. Capital City Bank Group differentiates itself through its community-focused approach and long-standing relationships with its customers. The company's focus on digital banking and wealth management positions it to capitalize on emerging trends in the industry.

Who Are CCBG's Key Customers?

• Individual consumers seeking personal banking services.
• Small and medium-sized businesses requiring commercial loans and banking solutions.
• State and local governments needing institutional banking services.
• High-net-worth individuals seeking wealth management services.

F-Score 7/9Financial Health

Capital City Bank Group, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.48 places it in the distress zone, a signal of elevated financial risk.

Capital City Bank Group, Inc. (CCBG) Valuation Context

Relative to its peer group, CCBG's quantitative score of 93/100 is roughly in line with the peer average of 94/100.

Company Profile

Capital City Bank Group, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Tallahassee, US. The company is led by CEO William Godfrey Smith Jr.. CCBG has traded publicly since 1994.

FY2026 estForward Outlook

Wall Street analysts project Capital City Bank Group, Inc. revenue of about $257.9M for fiscal 2026, with EPS near $3.62.

CCBG Financials

CCBG Latest News

CCBG Analyst Consensus

CCBG MoonshotScore

What Investors Ask About Capital City Bank Group, Inc. (CCBG) — Financial Services

Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

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