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CCBG

BUY

Capital City Bank Group, Inc. · Financial Services · United States · $882M · Avg Vol: $6M/d

71
StockRank
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Q
58
V
40
M
67
P/E (TTM)
14.3x
ROE
11.3%
D/E
0.1x
Dividend %
2.0%
Dir. Trades · 180d
−$278.3K →
Buybacks · 180d
$3.2M →

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)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue193.7M223.6M226.5M244.4M8.1%250.1M248.8M256.5M2.4%
EPS1.973.083.123.6122.4%3.503.723.762.1%
Shares17.0M17.0M17.0M17.1M+0.6%17.1M———
Debt103.6M61.6M55.7M71.3M-11.7%93.6M———
Equity396.0M448.0M495.3M552.9M11.8%————
Op CF92.7M54.8M63.6M87.6M-1.9%81.7M———
Inv CF-765.8M-68.5M68.4M64.4M—————
Fin CF238.4M-274.8M-52.1M-13.9M—————
Loading 1Y...
PRICE (1Y)+10.5%
46.2747.7249.1750.6252.07Jun 12Jul 7Jul 27
SMA 50SMA 200
Close
$52.07
RSI (14)
65.1
52W High
$52.49
From 52W High
1.0%

SCORE BREAKDOWN

Quality
58
ROIC (ROA)
1.4%*46.6
ROE
11.3%59.1
GP/Assets
5.7%N/A
Op. Margin
33.3%51.7
FCF/Assets
1.7%N/A
Piotroski
683.6
Int. Cover
—50.0
D/E Ratio
0.13xN/A
Current Ratio
bankN/A
Value
40
P/E (TTM)
14.3x44.0
EV/EBITDA
bankN/A
P/FCF
11.7xN/A
P/B
1.5x34.1
P/S
3.4x55.7
Div Yield
2.0%22.8
Momentum
67
52W High %
99%91.7
RS 6M
11%77.8
SMA 50/200
1.09x72.0
EPS Rev 4W
+1.1%89.2
EPS Rev 12W
+0.5%62.4
EPS Improve
+5%24.3
Q Growth
-6%24.1

FUNDAMENTALS

Market Cap
$882M
P/E (Forward)
13.6x
Gross Margin
—

SECTOR PEERS

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

TickerCompanyMkt CapStockRankSignal
CCBGCapital City Bank Group, Inc.(you)$882M71BUY
FCBCFirst Community Bankshares, Inc.$915M72BUY
SPFISouth Plains Financial, Inc.$841M70BUY
GSBCGreat Southern Bancorp, Inc.$863M69BUY
SMBCSouthern Missouri Bancorp, Inc.$855M68BUY
PGCPeapack-Gladstone Financial Corporation$822M74BUY
IBCPIndependent Bank Corporation$776M73BUY
MCBSMetroCity Bankshares, Inc.$1.0B70BUY
FSBCFive Star Bancorp$1.0B69BUY
TRSTTrustCo Bank Corp NY$977M67BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Capital City Bank Group, Inc. (CCBG) — Stock Score Summary

Capital City Bank Group, Inc. (CCBG) has a MoatMap StockRank of 71/100 based on Quality (58/100), Value (40/100), and Momentum (67/100) factor scores. The current signal is BUY.

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.

Key Financial Metrics

Price$52.07
Market Cap$882M
P/E (TTM)14.27
P/E (Forward)13.59
Price/Book1.52
Return on Equity11.3%
Debt/Equity0.13x
Operating Margin33.3%
Revenue Growth2.2%
Dividend Yield2.0%
Free Cash Flow$75M

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

Frequently Asked Questions

What is Capital City Bank Group, Inc.’s (CCBG) StockRank?
MoatMap’s StockRank for Capital City Bank Group, Inc. (CCBG) is 71/100, with a Buy signal. It is a composite of Quality (58), Value (40), and Momentum (67) factor ranks across MoatMap’s 20,000+ stock universe.
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 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 Buy, based on a StockRank of 71/100. 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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