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Capital City Bank Group, Inc. CCBG R2K

Financial Services · Banks - Regional · United States
https://www.ccbg.com

Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking services to individual and corporate clients. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. It also provides commercial and residential real estate lending products, as well as fixed and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans. In addition, the company offers institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Further, it provides consumer banking services comprising checking accounts, savings programs, interactive/automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and online and mobile banking services. Additionally, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and various retail investment products, such as the U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care, as well as business, estate, financial, insurance and business planning, tax planning, and asset protection advisory services. Further, the company offers mortgage banking. Capital City Bank Group, Inc. was founded in 1895 and is headquartered in Tallahassee, Florida.

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$45.64
+23.99% 1Y

Market & Price

Market Cap
$780.51M
Current Price
$45.64
High / Low (52W)
$47.34 / $35.70
Beta
0.34

Valuation

Stock P/E
12.93
Industry PE
12.01
Forward P/E
12.56
PEG Ratio
2.41
Book Value
$32.75
Price to Book
1.39
P/S
3.12
EV/EBITDA
-
Dividend Yield
2.37%

Profitability & Returns

ROCE
-
ROE
11.28%
ROA
1.36%
Profit Margin
24.20%
Op Margin
33.31%
EPS (Latest Qtr)
$0.92
EPS (TTM)
$3.53

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$93.61M
Total Assets
$4.39B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
19.96%
Chg in Prom Hold
-
FII / Inst Holding
52.82%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$385.03M
Total Revenue (TTM)
$250.09M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$81.68M
Shares Outstanding
17.10M
Gross Margin
0.00%
Payout Ratio
29.18%

Growth (CAGR)

Revenue 5Y
8.07%
Profit 5Y
22.59%
Revenue (YoY)
2.20%
Earnings (YoY)
-7.10%

PROS

  • Excellent profit margin of 24.2%.
  • Profit CAGR of 22.6% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CCBG Capital City Bank Group, Inc. R2K 45.64 12.93 $780.51M 2.37% - 11.28% 8.07% 22.59%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------------------------------58.98M60.71M63.41M61.32M60.32M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------8.23M8.28M7.87M8.36M8.20M
Pretax Income -----------------------------------21.98M20.04M21.09M18.60M20.66M
Tax Provision -----------------------------------5.13M5.00M5.14M4.90M4.85M
Net Income 1.59M3.75M1.47M2.12M986.00K3.85M1.68M1.65M3.93M2.87M2.74M3.56M4.55M5.77M6.00M5.99M6.44M7.33M8.48M4.29M9.15M10.40M9.51M7.43M10.09M6.94M8.71M9.61M13.71M14.17M12.65M12.56M14.15M13.12M-16.86M15.04M15.95M13.71M15.82M
Diluted EPS 0.090.220.080.120.060.220.090.100.220.170.160.210.270.340.350.350.380.440.500.250.550.620.560.440.600.500.510.570.800.830.740.740.830.77-0.990.880.930.800.92

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------------193.67M223.61M226.50M244.42M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------6.89M22.08M35.72M32.74M
Pretax Income -------------41.08M63.86M65.57M81.72M
Tax Provision -------------7.80M13.04M13.92M20.16M
Net Income -3.47M-413.00K4.90M108.00K6.04M9.26M9.12M11.75M10.86M26.22M30.81M31.58M-33.41M52.26M52.91M61.56M
Diluted EPS -0.20-0.020.290.010.350.530.530.690.641.541.831.88-1.973.073.123.60

Compounded Sales Growth

5 Years:8.07%
1 Year:2.20%

Compounded Profit Growth

5 Years:22.59%
1 Year:-7.10%

Stock Price Performance

1 Year:+23.99%
6 Months:+9.29%
3 Months:+7.19%
1 Month:-0.93%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --2.62B2.64B2.63B2.61B2.63B2.80B2.85B2.90B2.96B3.09B3.80B-4.52B4.30B4.32B4.39B
Current Assets ------------------
Cash & Equivalents --------------72.11M83.12M70.54M62.19M
Inventory ------------------
Receivables ------------------
Total Liabilities --2.36B2.39B2.39B2.34B2.35B2.52B2.57B2.61B2.66B2.76B3.46B-4.12B3.86B3.83B3.83B
Current Liabilities ------------------
Long Term Debt ----46.86M38.04M31.10M28.27M14.88M-8.57M6.51M3.06M-53.40M53.20M53.68M43.26M
Total Debt --------------103.61M61.59M55.74M71.34M
Total Equity 278.83M267.90M259.02M251.94M246.89M276.40M272.54M274.35M275.17M284.21M302.59M327.02M320.84M-396.04M448.03M495.32M552.85M
Shares Outstanding --------------16.99M16.95M16.97M17.08M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 50.56M57.09M37.52M56.71M34.85M25.15M33.76M-38.78M34.63M53.69M-48.61M-92.69M54.78M63.57M87.61M
Investing Cash Flow -35.51M-51.20M102.33M88.33M-2.09M-170.47M-197.05M--97.53M-94.02M-46.88M-32.59M--765.83M-68.54M68.35M64.41M
Financing Cash Flow 224.30M-104.00M9.27M-20.62M-12.56M444.00K157.14M-48.15M49.95M95.61M631.33M-238.43M-274.82M-52.14M-13.90M
Capital Expenditure -15.69M-6.97M-2.40M-2.86M-2.69M-5.12M-4.70M-4.45M-4.00M-1.46M-3.76M-9.74M--6.32M-7.05M-8.69M-7.59M
Free Cash Flow 34.87M50.12M35.12M53.85M32.16M20.03M29.06M-34.78M33.17M49.93M-58.35M-86.37M47.74M54.88M80.03M
Net Change in Cash --------------434.70M-288.58M79.79M138.12M
Share Buybacks 1.56M----269.00K5.98M6.31M08.03M1.80M2.04M003.71M2.33M0

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -------------17.3%23.4%23.4%25.2%
ROE % -1.3%-0.2%1.9%0.0%2.2%3.4%3.3%4.3%3.8%8.7%9.4%9.8%-8.4%11.7%10.7%11.1%
ROCE % -----------------

Shareholding Pattern

Insiders
19.96%
Institutions
52.82%
Public Float
65.99%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 9.65% 1.65M $75.35M
2 Dimensional Fund Advisors LP 5.16% 882.11K $40.26M
3 Vanguard Capital Management LLC 3.64% 623.11K $28.44M
4 Wellington Management Group, LLP 3.09% 527.92K $24.09M
5 Heartland Advisors Inc. 2.92% 500.00K $22.82M
6 Charles Schwab Investment Management, Inc. 2.44% 417.18K $19.04M
7 American Century Companies Inc 2.42% 414.08K $18.90M
8 State Street Corporation 2.07% 354.83K $16.19M
9 Geode Capital Management, LLC 1.94% 332.60K $15.18M
10 Truist Financial Corp 1.63% 278.80K $12.72M

Analyst View

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