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

Company Overview

Capital City Bank Group, Inc. is a bank holding company headquartered in Tallahassee, Florida. Through its principal subsidiary, Capital City Bank, the company provides banking and financial services to individuals, families, businesses and governmental entities.

Its services include deposit accounts, consumer and commercial lending, residential mortgages, treasury management, online and mobile banking, investment and trust services, and other wealth-management solutions. The bank also offers services designed to support small businesses and commercial customers, including lines of credit, real estate financing and cash-management tools.

Founded in 1895, Capital City Bank has built a regional presence in North Florida and parts of Georgia, operating through community banking offices and digital channels. Capital City Bank Group is led by William G. Smith Jr., who serves as chairman and chief executive officer.

Key Stats

• Today's Range: $48.09 to $48.96
• 50-Day Range: $48.33 to $52.84
• 52-Week Range: $38.27 to $53.60
• Volume: 72,058 shs
• Average Volume: 74,978 shs
• Market Capitalization: $826.93 million
• P/E Ratio: 13.43
• Dividend Yield: 2.23%
• Price Target: $51.75
• Consensus Rating: Hold

Capital City Bank Group Stock Analysis - MarketRank™

Capital City Bank Group scored higher than 66% of companies evaluated by MarketBeat, and ranked 524th out of 855 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: 2.1 / 5
• Analyst Rating: Hold

Consensus Rating

Capital City Bank Group has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on no strong buy ratings, 1 buy rating, 3 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Capital City Bank Group is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Capital City Bank Group has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 1.63%

Earnings Growth

Earnings for Capital City Bank Group are expected to grow by 1.63% in the coming year, from $3.69 to $3.75 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Capital City Bank Group is 13.43, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.75.

Price to Earnings Ratio vs. Sector

The P/E ratio of Capital City Bank Group is 13.43, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.68.

Price to Book Value per Share Ratio

Capital City Bank Group has a P/B Ratio of 1.49. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

4.40% 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 9.29.

Change versus previous month

Short interest in Capital City Bank Group has recently increased by 7.84%, 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 2.21%, 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 30.00%. 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 28.80% next year. This indicates that Capital City Bank Group will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 0.90

News Sentiment

Capital City Bank Group has a news sentiment score of 0.90. 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 higher news sentiment than the 0.72 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Capital City Bank Group this week, compared to 2 articles on an average week.

Search Interest

Only 1 people have searched for CCBG on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 1.2 / 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

19.80% 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.

Company Calendar

• Last Earnings: 7/21/2026
• Record date for 9/22 Dividend: 9/08/2026
• Ex-Dividend for 9/22 Dividend: 9/08/2026
• Dividend Payable: 9/22/2026
• Today: 10/01/2026
• Next Earnings (Estimated): 10/20/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:CCBG
• CIK: 726601
• Web: www.ccbg.com
• Phone: (850) 402-7821
• Fax: 850-224-3097
• Employees: 927
• Year Founded: 1895

Price Target and Rating

• Average Price Target for Capital City Bank Group: $51.75
• High Price Target: $54.00
• Low Price Target: $49.50
• Potential Upside/Downside: +7.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.60
• Trailing P/E Ratio: 13.43
• Forward P/E Ratio: 13.10
• P/E Growth: N/A
• Net Income: $61.56 million
• Net Margins: 21.37%
• Pretax Margin: 28.24%
• Return on Equity: 11.11%
• Return on Assets: 1.40%

Debt

• Debt-to-Equity Ratio: 0.06
• Current Ratio: 0.79
• Quick Ratio: 0.78

Sales & Book Value

• Annual Sales: $286.74 million
• Price / Sales: 2.88
• Cash Flow: $4.25 per share
• Price / Cash Flow: 11.36
• Book Value: $32.39 per share
• Price / Book: 1.49

Miscellaneous

• Outstanding Shares: 17,110,000
• Free Float: 13,725,000
• Market Cap: $826.93 million
• Optionable: Optionable
• Beta: 0.32