Capital City Bank Group, Inc.
- Open
- 50.70
- Day high
- 50.77
- Day low
- 49.74
- Prev close
- 50.36
- Volume
- 139K
- Mkt cap
- $854M
- P/E (TTM)
- 14.1
- EPS (TTM)
- $3.53
- P/B
- 1.5
- P/S
- 3.1
- Yield
- 2.12%
- Per share
- $1.06
- ▼Insiders net selling -$278K over the last 3 months (0 open-market buys, 1 sale)
- 🏛Institutions mixed (13F)
Capital City Bank Group, Inc. (CCBG) is a Financial Services company listed on NASDAQ. The stock is up 19% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 1 sale (SEC Form 4).
Capital City Bank Group, Inc. (CCBG) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
CCBG earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 20, 2026 | $0.85 | $0.92 | +8.2% | $85M | +34.3% |
| Jan 27, 2026 | $0.89 | $0.80 | -10.1% | $63M | +0.4% |
| Oct 21, 2025 | $0.87 | $0.93 | +6.9% | $63M | -1.9% |
| Jul 22, 2025 | $0.83 | $0.88 | +6.0% | $61M | -5.6% |
| Jan 28, 2025 | $0.70 | $0.77 | +10.0% | $57M | -3.0% |
| Oct 22, 2024 | $0.77 | $0.78 | +1.3% | $57M | -3.2% |
| Jul 23, 2024 | $0.73 | $0.83 | +13.7% | $57M | -0.5% |
| Jan 23, 2024 | $0.73 | $0.70 | -4.1% | $54M | -5.0% |
| Jul 25, 2023 | $0.85 | $0.85 | +0.0% | $63M | -0.9% |
| Jan 24, 2023 | $0.75 | $0.68 | -9.3% | $58M | -1.0% |
| Jul 26, 2022 | $0.53 | $0.51 | -3.8% | $48M | -6.6% |
| Jan 25, 2022 | $0.46 | $0.40 | -13.0% | $49M | +0.2% |
CCBG insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jul 8, 2026 | SAMPLE JOHN G JRdirector | Grant | 180 | — |
| Jul 8, 2026 | Antoine Robertdirector | Grant | 266 | — |
| Jul 8, 2026 | Grant William Edirector | Grant | 265 | — |
| Jul 8, 2026 | Johnson Laura Ldirector | Grant | 286 | — |
| Jul 8, 2026 | Connally Stan Wdirector | Grant | 366 | — |
| Jul 8, 2026 | Davenport Bonniedirector | Grant | 225 | — |
| Jul 8, 2026 | Williams Ashbel Cdirector | Grant | 226 | — |
| Jul 8, 2026 | Crowell Kimberlydirector | Grant | 269 | — |
| May 28, 2026 | BARRON THOMAS Adirector, officer: TREASURER | Sell | 6,000 | $46.38 |
| Apr 9, 2026 | Grant William Edirector | Grant | 303 | — |
| Apr 9, 2026 | Connally Stan Wdirector | Grant | 416 | — |
| Apr 9, 2026 | Crowell Kimberlydirector | Grant | 305 | — |
| Apr 9, 2026 | Davenport Bonniedirector | Grant | 257 | — |
| Apr 9, 2026 | Williams Ashbel Cdirector | Grant | 256 | — |
| Apr 9, 2026 | Johnson Laura Ldirector | Grant | 326 | — |
Source: CCBG SEC Form 4 filings, latest Jul 8, 2026. For informational purposes only — not investment advice.
See the full CCBG insider & 13F page →Capital City Bank Group, Inc. company profile
Overview
Capital City Bank Group, Inc. (NASDAQ:CCBG) is a regional banking holding company founded in 1895 and headquartered in Tallahassee, Florida. The company operates as the parent organization of Capital City Bank, which provides comprehensive banking and financial services across the southeastern United States. With over 125 years of history, CCBG has established itself as a community-focused financial institution serving individual consumers, businesses, and institutional clients throughout Florida, Georgia, and Alabama through 57 banking offices and 86 ATMs/ITMs as of 2021.
Business
Capital City Bank Group operates in the regional banking industry, which serves as an intermediary between depositors and borrowers within specific geographic markets. Regional banks like CCBG typically focus on relationship banking, offering personalized service to local communities while being large enough to provide sophisticated financial products. The company's core business revolves around traditional banking services, which include accepting deposits from customers and lending those funds to borrowers at higher interest rates. This fundamental banking model, known as net interest margin, forms the backbone of most regional banks' operations. CCBG's service offerings span several key areas: 1. Commercial Banking Services represent a significant portion of the business, providing financing for commercial real estate, equipment purchases, inventory management, and accounts receivable. The bank also offers commercial leasing arrangements, letters of credit for international trade, and treasury management services that help businesses manage their cash flow and payment systems. Additionally, CCBG processes merchant credit card transactions for business clients. 2. Consumer Banking Services cater to individual customers through various loan products including residential mortgages (both fixed and adjustable-rate), personal loans, automobile financing, boat and RV loans, and home equity lines of credit. The bank also issues credit cards and provides traditional deposit services such as checking and savings accounts, along with modern conveniences like online banking, mobile banking, debit cards, and ATM access. 3. Institutional Banking Services target government entities, educational institutions, and non-profit organizations. These specialized services include customized checking and savings accounts, cash management systems, tax-exempt lending products, lines of credit, and term loans designed specifically for state and local governments, public schools, colleges, charities, and membership organizations. 4. Wealth Management and Investment Services provide asset management through personal trust accounts, IRA management, and personal investment advisory services. The bank also offers retail securities products including U.S. government bonds, municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term care insurance.
Revenue model
Capital City Bank Group generates revenue primarily through net interest income, which is the difference between interest earned on loans and investments and interest paid on deposits and borrowed funds. This traditional banking model means the company profits from the spread between what it pays depositors and what it charges borrowers. The bank's customers fall into several categories: individual consumers seeking personal banking services, small to medium-sized businesses requiring commercial banking solutions, and institutional clients including government entities and non-profit organizations. Each segment contributes to revenue through different mechanisms - consumers through mortgage and personal loans plus deposit fees, businesses through commercial lending and treasury services, and institutions through specialized lending and cash management services. Fee-based income represents another significant revenue stream, generated through merchant credit card processing, wealth management services, trust administration, investment product sales, and various banking fees such as overdraft charges, account maintenance fees, and transaction fees. Several factors influence the bank's profitability margins. Interest rate environments significantly impact net interest margins - rising rates typically benefit banks by allowing them to charge more for loans while deposit costs may lag, though this relationship can reverse if funding costs rise faster than loan rates. Credit quality directly affects profitability through loan loss provisions; economic downturns can force banks to set aside more money for potential defaults, reducing net income. Competition from larger national banks and fintech companies can pressure both loan pricing and deposit rates, potentially compressing margins. Regulatory compliance costs represent an ongoing expense that can impact profitability, particularly for smaller regional banks that lack the scale to spread these costs across larger operations. Economic conditions in the bank's geographic footprint - Florida, Georgia, and Alabama - directly influence loan demand, credit quality, and deposit growth, making the institution sensitive to regional economic cycles.
Competitive moat
Capital City Bank Group's competitive moat is moderate but not particularly strong compared to larger financial institutions. The bank's primary defensive characteristics stem from its local market presence and relationship-based banking approach in specific geographic markets across Florida, Georgia, and Alabama. The company's main competitive advantage lies in its deep community relationships and local market knowledge, which can be valuable for small business lending and personal banking where customers prefer face-to-face interactions and local decision-making. Regional banks often have advantages in understanding local market dynamics, faster loan approval processes, and more flexible underwriting compared to large national banks with centralized operations. However, this moat faces significant challenges. Digital banking and fintech disruption continues to erode the importance of physical branch networks, as customers increasingly prefer online and mobile banking services. Large national banks like JPMorgan Chase, Bank of America, and Wells Fargo can offer more competitive rates, broader product suites, and superior technology platforms due to their massive scale advantages. Competition is intensifying from multiple directions: online banks offering higher deposit rates with lower overhead costs, fintech lenders providing faster and more convenient loan processes, and credit unions offering competitive rates with tax advantages. The bank's relatively small size (under $5 billion in assets) limits its ability to invest in cutting-edge technology or compete on pricing with larger institutions. The regulatory environment also presents challenges, as smaller banks face proportionally higher compliance costs and may struggle to adapt to new regulations as quickly as larger competitors. Additionally, CCBG's geographic concentration in the Southeast, while providing local expertise, also creates vulnerability to regional economic downturns that could affect multiple markets simultaneously.
Risks & safety
Capital City Bank Group demonstrates solid financial stability with manageable risk levels, though typical of regional banking operations. • Liquidity position: Strong cash position with $78.5 million in cash and short-term investments as of Q1 2025, providing adequate liquidity buffer • Debt levels: Conservative debt-to-equity ratio of 0.18 as of Q1 2025, indicating low leverage and financial flexibility • Solvency risk: Low immediate solvency concerns with consistent positive cash flow from operations ($21.9 million in Q1 2025) • Valuation metrics: Trading at reasonable multiples with P/E ratio of 9.1 and price-to-book ratio of 1.19, suggesting modest valuation • Profitability trends: Consistent profitability with ROE of 3.3% in Q1 2025, though below historical levels • Capital adequacy: Well-capitalized position typical for regional banks, with total equity of $512.6 million supporting $4.46 billion in assets • Credit risk considerations: Geographic concentration in Southeast markets creates some vulnerability to regional economic cycles
Recent development
Based on the available financial data, Capital City Bank Group has maintained relatively stable operations over the past few years, though specific strategic initiatives are not detailed in the provided earnings summaries. The bank has demonstrated consistent profitability with annual net income ranging from $40.1 million in 2022 to $52.9 million in 2024, showing resilience through varying economic conditions. The company's asset base has remained relatively stable, fluctuating between $4.2-4.5 billion over the 2022-2024 period, suggesting measured growth rather than aggressive expansion. Revenue has shown modest growth from $212.6 million in 2022 to $226.5 million in 2024, indicating steady business development within its established markets. Operational efficiency appears to be a focus area, with the bank maintaining consistent free cash flow generation ranging from $50-55 million annually. The institution has maintained conservative capital management, as evidenced by stable debt-to-equity ratios and consistent dividend-paying capacity. Without detailed earnings call transcripts, specific strategic pivots or new product launches cannot be identified, but the financial metrics suggest CCBG has focused on maintaining operational stability and profitability rather than pursuing dramatic strategic shifts during this period. The bank appears to be executing a steady-state strategy focused on serving its established Southeast markets while maintaining financial discipline.
CCBG company profile · for informational purposes only — not investment advice.
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