CCBG logo

CAPITAL CITY BANK GROUP INC

CCBGNASDAQ
πŸ† #2597 by market capEarnings Oct 27US Equity
$48.82β–Ό $0.41 (βˆ’0.83%)
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24hβ–Ό 0.8%
7dβ–² 0.2%
14dβ–Ό 2.5%
30dβ–Ό 3.9%
ytdβ–² 14.6%
1yβ–² 17.8%
🏦Market Cap
$835M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+52.0%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
11.7%
Healthy
βš–οΈP/S Ratio
1.9x
Cheap
Otter Score
68
Fair

Trading Snapshot

Day Range
$48.49 – $49.73
52-Week Range
$38.27 – $53.60
Volume
$3.96B
Avg Volume
$4.72B
Shares Outstanding
17.1M
Next Earnings
Dec 8, 2026

Fundamentals Snapshot

Annual Revenue
$279M
Last Q Revenue
$72M
P/E Ratio
13.7
P/S Ratio
1.9x
EPS (TTM)
$3.60
Dividend Yield
2.15%
Dilution (1yr)
+1.0%

Why Investors Own CCBG

  • βœ“High-growth profile β€” revenue up -1.9% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 74% gross margin and 20% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

CCBG logo

CAPITAL CITY BANK GROUP INC

CCBG
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$279Mβ–² +6.5% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
87.1%β–² +2.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$84Mβ–² +27.7% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$80Mβ–² +45.8% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
17.1Mβ–² +1.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$31Mβ–Ό βˆ’$20M YoY
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About CAPITAL CITY BANK GROUP INC

Capital City Bank Group, Inc. functions as the financial holding company for Capital City Bank, delivering a comprehensive array of financial services to both individual consumers and businesses. Its commercial offerings encompass financing for business properties, equipment, inventories, and accounts receivable, in addition to commercial leasing, letters of credit, treasury management solutions, and merchant credit card transaction processing. The institution also offers commercial and residential real estate loans, including both fixed and adjustable-rate mortgages for homes, along with personal loans for vehicles, recreational vehicles, and home equity, as well as various credit card options. Furthermore, it delivers specialized institutional banking services to a diverse clientele, including state and local governments, public educational institutions, charities, membership organizations, and non-profit associations. These services feature tailored checking and savings accounts, sophisticated cash management systems, tax-exempt loans, lines of credit, and term financing. For its consumer base, the bank provides a full spectrum of services such as checking and savings accounts, access to interactive and automated teller machines (ATMs/ITMs), debit and credit cards, night deposit boxes, safe deposit facilities, and modern online and mobile banking capabilities. The company also offers individual asset management solutions, including agency accounts, personal trusts, IRAs, and personalized investment management. Its retail securities product offerings extend to U.S. government and tax-free municipal bonds, equities, mutual funds, unit investment trusts, annuities, life insurance, and long-term healthcare plans. As of December 31, 2021, its operational footprint included 57 banking branches and 86 ATM/ITM locations spanning Florida, Georgia, and Alabama. Established in 1895, Capital City Bank Group maintains its corporate headquarters in Tallahassee, Florida.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Price Target

β“˜
Average Target
$52.28
β–² +7.1% Upside
High Target$64.55
Low Target$43.31
Based on 34 analysts

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