CCBG
Capital City Bank Group, Inc.
CCBG's fundamentals are mixed, but it looks expensive: trading at 14x earnings, above its usual 12x. Analysts expect earnings growth.
CCBG Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CCBG's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CCBG.
CCBG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $39.02 | -24% |
| Fair | 12x | $43.99 | -14% |
| Forward | 13x | $51.09 | — |
| Expensive | 14x | $52.19 | +2.2% |
| Current | 14x | $51.09 | — |
Historical ranges are pointers, not guarantees.
CCBG's PE is in its expensive range at 14x. If earnings grow as analysts expect, today's price would be 13x next year's earnings.
CCBG Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect CCBG's earnings to grow and its profitability to improve, with its revenue holding steady.
CCBG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.80 | +3.8% |
| Q3 2026 | $3.66 | +2.2% |
| Q2 2026 | $3.60 | +5.3% |
| Q1 2026 | $3.53 | +4.7% |
| Q4 2025 | $3.60 | +15% |
| Q3 2025 | $3.58 | +18% |
| Q2 2025 | $3.42 | +14% |
| Q1 2025 | $3.37 | +12% |
| Q4 2024 | $3.12 | +1.6% |
CCBG's earnings per share have climbed steadily: $3.66 over the past year, up 2.2% from the year before, and higher year over year for 16 quarters in a row.
CCBG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $64.4M | -2.3% |
| Q2 2026 | $64.8M | +2.5% |
| Q1 2026 | $62.8M | +2.1% |
| Q4 2025 | $63.5M | +6% |
| Q3 2025 | $65.9M | +10% |
| Q2 2025 | $63.2M | +7.3% |
| Q1 2025 | $61.5M | +8.9% |
| Q4 2024 | $59.9M | +6.3% |
CCBG's revenue has held roughly level: $64M last quarter, down 2.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 34% | +2.4 points |
| Q2 2026 | 33% | +1.1 points |
| Q1 2026 | 33% | -2.8 points |
| Q4 2025 | 29% | +0.3 points |
| Q3 2025 | 32% | +5.9 points |
| Q2 2025 | 32% | +2.4 points |
| Q1 2025 | 36% | +8.6 points |
| Q4 2024 | 29% | +3.6 points |
CCBG's operating margin was 34% last quarter, up 2.4 points from the same quarter a year ago, near the top of its range since 2019.
CCBG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $29.2M | +47% |
| Q2 2026 | $7.5M | -76% |
| Q1 2026 | $14.7M | -25% |
| Q4 2025 | $9.9M | +11% |
| Q3 2025 | $19.8M | +89% |
| Q2 2025 | $30.8M | +34% |
| Q1 2025 | $19.5M | +57% |
| Q4 2024 | $9M | +199% |
CCBG's free cash flow was $61M over the past year, down 23% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CCBG.
CCBG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +26K shares |
| 1 year | +0.4% | +64K shares |
| 3 years | +1% | +167K shares |
| 5 years | +1.9% | +313K shares |
CCBG has 17M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $2.6M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
CCBG spent $3M buying back its own shares over the past year, after none the year before.
CCBG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.0x | Very low |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.0x | Very low |
| Q4 2025 | 0.3x | Very low |
| Q3 2025 | 0.2x | Very low |
| Q2 2025 | -0.0x | Net Cash |
| Q1 2025 | 0.1x | Very low |
| Q4 2024 | 0.2x | Very low |
CCBG's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like CCBG.
CCBG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.4 | Neutral |
| Stochastic | 53.7 | Neutral |
CCBG's weekly RSI is 59 (neutral) and its Stochastic is 54 (neutral).
CCBG PE vs Financial Services Sector
| Metric | CCBG | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 7.2% above |
| PE % | 80 | 63 | 17 pts above |
CCBG is trading at 14x earnings, in line with the Financial Services sector's median of 13x.
CCBG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $49.9 | 2.3% above |
| 20 week MA | $50.6 | 0.9% above |
| 50 week MA | $47.0 | 8.8% above |
| 100 week MA | $42.8 | 20% above |
| 200 week MA | $36.8 | 39% above |
CCBG is in an uptrend: it's above all five of its weekly moving averages, and 39% above its 200-week average.
CCBG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $30.4 | $24.8 | -18% |
| 2021 | $24.8 | $26.6 | +7.2% |
| 2022 | $26.6 | $33.2 | +25% |
| 2023 | $33.2 | $29.4 | -11% |
| 2024 | $29.4 | $36.6 | +24% |
| 2025 | $36.6 | $42.6 | +16% |
| 2026 YTD | $42.6 | $51.1 | +20% |
CCBG has finished higher in four of the last six years. It's up 20% so far in 2026.