What is Capital City Bank Group, Inc.'s (CCBG) StockRank?

MoatMap's StockRank for Capital City Bank Group, Inc. (CCBG) is 59/100, with a Hold signal. This is a composite score combining Quality (58), Value (39), and Momentum (56) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Capital City Bank Group, Inc. have an economic moat?

Capital City Bank Group, Inc. (CCBG) has a Quality factor score of 58/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Capital City Bank Group, Inc. a buy, hold, or sell?

MoatMap's current signal for Capital City Bank Group, Inc. (CCBG) is Hold, based on a StockRank of 59/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Capital City Bank Group, Inc. in?

Capital City Bank Group, Inc. (CCBG) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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CCBG

HoldPremium Grower

Capital City Bank Group, Inc. · Financial Services · United States · $879M · Avg Vol: $3M/d

StockRank

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P/E (TTM)

14.4x

ROE

11.3%

D/E

0.1x

Dividend %

2.1%

COMPANY DESCRIPTION

Capital City Bank Group, Inc. is the holding company for Capital City Bank, a long-standing community bank offering comprehensive financial services to individuals and businesses across Florida, Georgia, and Alabama. Its competitive moat is built upon a strong regional presence, deep community ties cultivated over more than a century, and a commitment to personalized service, which fosters a stable deposit base and client loyalty. The bank provides a diversified loan portfolio, serving as a trusted financial partner in its Southeastern U.S. markets.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	193.7M	223.6M	226.5M	244.4M	8.1%	251.4M	248.8M	256.5M	2.4%
EPS	1.97	3.08	3.12	3.61	22.4%	3.60	3.72	3.76	2.1%
Shares	17.0M	17.0M	17.0M	17.1M	+0.6%	17.1M	—	—	—
Debt	103.6M	61.6M	55.7M	71.3M	-11.7%	107.2M	—	—	—
Equity	396.0M	448.0M	495.3M	552.9M	11.8%	—	—	—	—
Op CF	92.7M	54.8M	63.6M	87.6M	-1.9%	61.8M	—	—	—
Inv CF	-765.8M	-68.5M	68.4M	64.4M	—	—	—	—	—
Fin CF	238.4M	-274.8M	-52.1M	-13.9M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-3.7%

SMA 50SMA 200

$50.52

RSI (14)

48.1

52W High

$53.32

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.4%*47.6

ROE

11.3%57.1

GP/Assets

5.7%N/A

Op. Margin

33.2%49.9

FCF/Assets

1.7%N/A

Piotroski

685.8

Int. Cover

—50.0

D/E Ratio

0.13xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

14.4x41.9

EV/EBITDA

bankN/A

P/FCF

11.7xN/A

P/B

1.6x35.7

P/S

3.5x51.7

Div Yield

2.1%26.0

Momentum

52W High %

95%71.1

RS 6M

7%67.6

SMA 50/200

1.12x77.2

EPS Rev 4W

0.0%27.7

EPS Rev 12W

+3.2%76.7

EPS Improve

+4%24.7

Q Growth

8%37.6

FUNDAMENTALS

Market Cap

$879M

P/E (Forward)

13.8x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CCBG are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CCBG	Capital City Bank Group, Inc.(you)	$879M	59	Hold
GSBC	Great Southern Bancorp, Inc.	$859M	62	Hold
NBBK	NB Bancorp, Inc.	$984M	60	Hold
SMBK	SmartFinancial, Inc.	$869M	55	Hold
HTB	HomeTrust Bancshares, Inc.	$776M	61	Hold
TRST	TrustCo Bank Corp NY	$973M	55	Hold
SMBC	Southern Missouri Bancorp, Inc.	$815M	63	Hold
PGC	Peapack-Gladstone Financial Corporation	$800M	62	Hold
MSBI	Midland States Bancorp, Inc.	$685M	59	Hold
FSBC	Five Star Bancorp	$1.1B	60	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$50.52
Market Cap	$879M
P/E (TTM)	14.40
P/E (Forward)	13.82
Price/Book	1.56
Return on Equity	11.3%
Debt/Equity	0.13x
Operating Margin	33.2%
Revenue Growth	2.1%
Dividend Yield	2.1%
Free Cash Flow	$75M