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CCBG stock logo

CCBG

Capital City Bank Group, Inc.

$45.62
0.37
 (0.82%)
Exchange:  NASDAQ
Market Cap:  780.166M
Shares Outstanding:  13.348M
Delayed data
Calculate CCBG Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  William Godfrey Smith Jr.
Full Time Employees:  940
Address: 
217 North Monroe Street
Tallahassee
FL
32301
US
Website:  https://www.ccbg.com
Capital City Bank Group, Inc. functions as the financial holding company for Capital City Bank, delivering a comprehensive array of financial services to both individual consumers and businesses. Its commercial offerings encompass financing for business properties, equipment, inventories, and accounts receivable, in addition to commercial leasing, letters of credit, treasury management solutions, and merchant credit card transaction processing. The institution also offers commercial and residential real estate loans, including both fixed and adjustable-rate mortgages for homes, along with personal loans for vehicles, recreational vehicles, and home equity, as well as various credit card options. Furthermore, it delivers specialized institutional banking services to a diverse clientele, including state and local governments, public educational institutions, charities, membership organizations, and non-profit associations. These services feature tailored checking and savings accounts, sophisticated cash management systems, tax-exempt loans, lines of credit, and term financing. For its consumer base, the bank provides a full spectrum of services such as checking and savings accounts, access to interactive and automated teller machines (ATMs/ITMs), debit and credit cards, night deposit boxes, safe deposit facilities, and modern online and mobile banking capabilities. The company also offers individual asset management solutions, including agency accounts, personal trusts, IRAs, and personalized investment management. Its retail securities product offerings extend to U.S. government and tax-free municipal bonds, equities, mutual funds, unit investment trusts, annuities, life insurance, and long-term healthcare plans. As of December 31, 2021, its operational footprint included 57 banking branches and 86 ATM/ITM locations spanning Florida, Georgia, and Alabama. Established in 1895, Capital City Bank Group maintains its corporate headquarters in Tallahassee, Florida.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue245,694262,222279,307
Gross Profit213,900222,472243,299
EBITDA71,93973,39989,367
Operating Income63,86165,56883,712
Net Income52,25852,91561,557

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets4,304,4774,324,9324,385,765
Total Liabilities3,856,4453,829,6153,832,914
Total Stockholders Equity448,032495,317552,851
Total Debt88,54381,98593,354
Cash and Cash Equivalents83,11870,5430

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Cash Flow Statement

Year202320242025
Operating Cash Flow54,78263,57387,614
Capital Expenditure-7,046-8,688-7,589
Free Cash Flow47,73654,88580,025
Net Income52,25852,91561,557
Net Change in Cash-288,58379,7870

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)266,655.352Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)267,344.647Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)267,000Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)75,296.612Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)75,491.251Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)75,393.931Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)62,170.725Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)62,379.833Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)62,275.279Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)119,594.317Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)119,903.464Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)119,748.890Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.630Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.640Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.630Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
271.966M  ?P/S
 (TTM)
: 
2.82
?Net Income
 (TTM)
: 
52.915M  ?P/E
 (TTM)
: 
12.83
?Enterprise Value
 (TTM)
: 
353.667M  ?EV/FCF
 (TTM)
: 
3.79
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.29
?ROE
 (TTM)
: 
0.11  ?ROIC
 (TTM)
: 
0.09
?Net Debt
 (TTM)
: 
36.981M  ?Debt/Equity
 (TTM)
: 
0.12
?P/B
 (TTM)
: 
1.39  ?Current Ratio
 (TTM)
: 
1

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
12.74Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates CCBG intrinsic value between $44.83 – $47.59 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about CCBG valuation

Is Capital City Bank Group, Inc. (CCBG) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Capital City Bank Group, Inc. (CCBG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is CCBG a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CCBG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is CCBG’s P/E ratio?

You can see CCBG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for CCBG?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is CCBG a good long-term investment?

Whether CCBG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

CCBG

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.82
MARKETSnap

Trading Metrics:

Open: 45.66   Previous Close: 45.25
Day Low: 45.56   Day High: 46.59
Year Low: 35.94   Year High: 48.78
Price Avg 50: 45.78   Price Avg 200: 43.26
Volume: 49243   Average Volume: 98723

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See in Nexus

Relevant news

Capital City Bank (CCBG) Could Be a Great Choice
27-05-2026 12:45
Capital City Bank (CCBG) Could Be a Great Choice
Capital City Bank (CCBG) Upgraded to Buy: Here's What You Should Know
23-04-2026 13:01
Capital City Bank (CCBG) Upgraded to Buy: Here's What You Should Know
Why Capital City Bank (CCBG) is a Great Dividend Stock Right Now
23-04-2026 12:45
Why Capital City Bank (CCBG) is a Great Dividend Stock Right Now
Capital City Bank (CCBG) Tops Q1 Earnings Estimates
20-04-2026 09:05
Capital City Bank (CCBG) Tops Q1 Earnings Estimates
Capital City Bank Group (NASDAQ:CCBG) Stock Passes Above 200-Day Moving Average   – Time to Sell?
07-04-2026 03:20
Capital City Bank Group (NASDAQ:CCBG) Stock Passes Above 200-Day Moving Average – Time to Sell?
Comparing Capital City Bank Group (NASDAQ:CCBG) and First National (NASDAQ:FXNC)
02-03-2026 03:05
Comparing Capital City Bank Group (NASDAQ:CCBG) and First National (NASDAQ:FXNC)

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