Skip to content

Capital City Bank Group (CCBG) Company Overview

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
Scores locked

Create a free account to see overall and pillar scores for Capital City Bank Group.

Top Beats

Quick Facts

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
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

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

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Moderate
70
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

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.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

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
  • Superior capital returns - 2 return metrics above peer median
  • Growth below peer median (percentile: 27)

Profitability

73th percentile vs peers
74
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

74th percentile vs peers
75
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

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

Loading scenario defaults...
Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$32.67
- - -
-22.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info