Capital City Bank Group (CCBG) Stock Price, News & Analysis

Company Overview

Capital City Bank Group, Inc. operates as a bank holding company for Capital City Bank, offering a comprehensive suite of financial services to individuals, businesses and municipalities. Through its subsidiary, the company provides retail and commercial banking products, including checking and savings accounts, certificates of deposit, credit cards and various lending solutions such as commercial, agricultural, real estate and consumer loans. Its mortgage division offers origination and servicing of home loans, while treasury management services help corporate clients optimize cash flow and payment processing.

In addition to traditional banking, Capital City Bank Group delivers wealth management, trust and investment advisory services. Private banking clients benefit from personalized portfolio management, retirement planning and estate strategies, and the bank’s insurance affiliates offer property and casualty, life and health insurance products. The company also supports community development through Small Business Administration (SBA) lending and government-guaranteed loan programs.

Founded in 1894 and headquartered in Tallahassee, Florida, Capital City Bank Group has grown organically and through strategic acquisitions to serve more than 20 counties across North and Central Florida. Its branch network spans key markets, including Tallahassee, Jacksonville, Gainesville, Ocala and Panama City, complemented by digital and mobile banking platforms designed to enhance convenience and accessibility. The company prides itself on strong community ties and active involvement in economic development initiatives within its service areas.

Capital City Bank Group is led by President and Chief Executive Officer Patrick S. Keith, supported by an executive leadership team overseeing finance, risk management, operations and commercial banking. Governed by an experienced board of directors, the company maintains a focus on prudent risk management, customer-centric service and community engagement as it continues to expand its footprint and product offerings across the region.

Key Stats

• Today's Range: $40.74 to $41.69
• 50-Day Range: $36.01 to $41.33
• 52-Week Range: $26.80 to $41.73
• Volume: 43,535 shs
• Average Volume: 29,868 shs
• Market Capitalization: $700.31 million
• P/E Ratio: 12.18
• Dividend Yield: 2.34%
• Price Target: $38.33
• Consensus Rating: Hold

Capital City Bank Group Stock Analysis - MarketRank™

Capital City Bank Group scored higher than 75% of companies evaluated by MarketBeat, and ranked 335th out of 901 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Capital City Bank Group has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on 1 buy rating, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Capital City Bank Group has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 5.88%

Earnings Growth

Earnings for Capital City Bank Group are expected to grow by 5.88% in the coming year, from $3.06 to $3.24 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Capital City Bank Group is 12.18, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.69.

Price to Earnings Ratio vs. Sector

The P/E ratio of Capital City Bank Group is 12.18, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.96.

Price to Book Value per Share Ratio

Capital City Bank Group has a P/B Ratio of 1.40. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.64% of the float of Capital City Bank Group has been sold short.

Short Interest Ratio / Days to Cover

Capital City Bank Group has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Capital City Bank Group has recently increased by 18.94%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Capital City Bank Group pays a meaningful dividend of 2.32%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Capital City Bank Group has been increasing its dividend for 11 years.

Dividend Coverage

The dividend payout ratio of Capital City Bank Group is 28.49%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Capital City Bank Group will have a dividend payout ratio of 29.63% next year. This indicates that Capital City Bank Group will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.1 / 5
• Environmental Score: -0.62

Percentage of Shares Shorted

0.64% of the float of Capital City Bank Group has been sold short.

Short Interest Ratio / Days to Cover

Capital City Bank Group has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Capital City Bank Group has recently increased by 18.94%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.38

News Sentiment

Capital City Bank Group has a news sentiment score of 0.38. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.74 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Capital City Bank Group this week, compared to 2 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Capital City Bank Group insiders have not sold or bought any company stock.

Percentage Held by Insiders

19.60% of the stock of Capital City Bank Group is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

44.59% of the stock of Capital City Bank Group is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

CCBG Stock Analysis - Frequently Asked Questions

How have CCBG shares performed this year?

Capital City Bank Group's stock was trading at $36.65 on January 1st, 2025. Since then, CCBG shares have increased by 12.0% and is now trading at $41.05.

How were Capital City Bank Group's earnings last quarter?

Capital City Bank Group (NASDAQ:CCBG) posted its quarterly earnings data on Monday, April, 21st. The financial services provider reported $0.99 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.75 by $0.24. The financial services provider had revenue of $61.45 million for the quarter, compared to the consensus estimate of $59.75 million. Capital City Bank Group had a net margin of 20.77% and a trailing twelve-month return on equity of 11.76%.

How do I buy shares of Capital City Bank Group?

Shares of CCBG stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Capital City Bank Group own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Capital City Bank Group investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Netflix (NFLX), JPMorgan Chase & Co. (JPM), Tesla (TSLA) and Exxon Mobil (XOM).

Company Calendar

• Last Earnings: 4/21/2025
• Record date for 6/23 Dividend: 6/09/2025
• Ex-Dividend for 6/23 Dividend: 6/09/2025
• Dividend Payable: 6/23/2025
• Today: 7/07/2025
• Next Earnings (Estimated): 7/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:CCBG
• CIK: 726601
• Web: www.ccbg.com
• Phone: (850) 402-7821
• Fax: 850-224-3097
• Employees: 800
• Year Founded: 1895

Price Target and Rating

• Average Stock Price Target: $38.33
• High Stock Price Target: $44.00
• Low Stock Price Target: $34.00
• Potential Upside/Downside: -7.3%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.37
• Trailing P/E Ratio: 12.28
• Forward P/E Ratio: 13.52
• P/E Growth: N/A
• Net Income: $52.92 million
• Net Margins: 20.77%
• Pretax Margin: 26.21%
• Return on Equity: 11.76%
• Return on Assets: 1.33%

Debt

• Debt-to-Equity Ratio: 0.10
• Current Ratio: 0.83
• Quick Ratio: 0.83

Sales & Book Value

• Annual Sales: $270.63 million
• Price / Sales: 2.61
• Cash Flow: $3.83 per share
• Price / Cash Flow: 10.79
• Book Value: $29.23 per share
• Price / Book: 1.42

Miscellaneous

• Outstanding Shares: 17,060,000
• Free Float: 13,712,000
• Market Cap: $705.77 million
• Optionable: Optionable
• Beta: 0.36