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

Capital City Bank Group, Inc. serves as a financial holding company overseeing Capital City Bank, which was established in 1895 and is headquartered in Tallahassee, Florida. The institution operates through a network of 57 banking offices and 86 ATMs/ITMs across Florida, Georgia, and Alabama. Its offerings encompass commercial real estate loans, equipment financing, treasury management, residential mortgages, personal loans, and credit card programs. Additionally, Capital City Bank Group provides tailored institutional banking services to state and local governments, public schools, and charities, alongside consumer checking, savings, and digital banking platforms.

Capital City Bank Group delivered a 5-year revenue CAGR of 5.7% from FY2020 to FY2025. Annual revenue expanded from $207.3M in FY2021 to $279.3M in FY2025, while net income grew from $33.4M to $61.6M over the same timeframe. Annual operating margin reached 30.0% in FY2025, up from 23.9% in FY2021. For the trailing twelve months ended June 30, 2026, revenue stood at $251.4M with a profit margin of 24.6% and an operating margin of 33.2%. In the latest quarter, quarterly revenue grew 2.1% year-over-year, while quarterly earnings increased 8.0%.

As of June 30, 2026, Capital City Bank Group held $67.1M in cash and short-term investments against total debt of $80.8M, resulting in net debt of $13.7M. The company reported total assets of $4.45B and shareholders' equity of $570.1M, with a current ratio of 1.43 and a debt-to-equity ratio of 0.14. In FY2025, the bank produced $87.6M in operating cash flow and $80.0M in free cash flow, deploying $7.6M toward capital expenditures and $17.1M toward dividends paid.

At a share price of $49.08, Capital City Bank Group carries a market capitalization of $839.9M and an enterprise value of $467.4M. Its trailing P/E of 13.6x sits above the 12.1x median of its US-listed Financial Services peers, though its forward P/E of 10.0x is below the peer median of 10.8x. The stock trades at a price-to-book ratio of 1.5x and a price-to-sales ratio of 3.3x. Over the past year, CCBG returned 27.3%, outperforming the 16.8% return of the SPY benchmark.

Capital City Bank Group pays a quarterly dividend with an annualized forward payout of $1.08 per share, representing a dividend yield of 2.20%. The dividend payout ratio stands at 29.7%. The bank has paid dividends for 13 consecutive years and achieved a 5-year annualized dividend growth rate of 11.9%. Its last ex-dividend date was September 8, 2026.

Wall Street coverage includes 3 Hold ratings, with 0 Buy and 0 Sell recommendations. The mean price target of $51.67 indicates a 5.3% upside compared to the last close of $49.08. For the fiscal year ending December 31, 2026, analysts estimate EPS of $3.70 on revenue of $257.5M. The bank beat EPS estimates in 3 of the last 4 quarters, and its next earnings date is October 20, 2026.

This page is an AI-written research summary of Capital City Bank Group, Inc. (CCBG). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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