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Company Analysis

Capital City Bank Group CCBG

A comprehensive view of key metrics, scores, and financial health for Capital City Bank Group

Overview of Capital City Bank Group, Inc.

CCBG NMS
Financial Services Banks - Regional Small Cap
Capital City Bank Group, Inc. (CCBG), is a Small Cap company, in the Banks - Regional industry, last closed at $42.24, about 22.7% overvalued vs fair value, +18.8% 1Y return, ranked 365/1004 in sector.
$42.24
-0.21%
As of March 13, 2026
Previous close • Vol 90d: 26.0%
52-Week Range
Market Cap
$724.51M
Enterprise Value
$749.47M
Overall Score
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Top Beats

Quick Facts

Website https://www.ccbg.com
HQ Tallahassee, FL
Fiscal year Dec 31

Next Events

Dividend Mar 23
Earnings Apr 21 Estimated

Fair Value Snapshot

Bear Base Bull
$18
$33
$61
Current: $42.24 -23% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$194.7M
7.5%%
Interest Expense
$32.7M
Net Interest Income
$158.9M
-0%%
Total Revenue
$279.3M
23.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.7%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$17.2M
32.6% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Capital City Bank Group's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
73
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
70
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CCBG's balance between Growth (15.8%), Profitability (41.8%), and Safety (42.4%). Growth 16% Safety 42% Profitability 42%

Click axes to expand details. Marker shows current allocation.

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Growth

27th percentile vs peers
28
Key Signals
Rev Growth YoY 23.3% 25p Revenue CAGR 3Y 13.0% 29p Asset Growth YoY 1.4% 29p
Strengths
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Growth below peer median (percentile: 27)

Profitability

73th percentile vs peers
74
Key Signals
Strengths
Risks
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Safety

74th percentile vs peers
75
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Capital City Bank Group.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
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Base
$32.67
- - -
-22.7% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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