CCBG

Capital City Bank Group, Inc.

51
Fundamentals52/ 100
Valuation37/ 100
Upside potential56/ 100
Risk potential14/ 100

CCBG's fundamentals are mixed, but it looks expensive: trading at 14x earnings, above its usual 12x. Analysts expect earnings growth.

IREN

IREN Limited

There isn't enough reported data to score IREN yet.

CCBG Fundamentals

MetricStatus
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.

IREN Fundamentals

MetricStatus
Under pressure
Weak
N/A
N/A

IREN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like IREN.

CCBG PE Valuation

CHEAPFAIREXPENSIVE4.6x9.2x14x18x
CHEAPFAIREXPENSIVE4.6x9.2x14x18x
LevelPEPriceVs current
Cheap11x$39.02-24%
Fair12x$43.99-14%
Forward13x$51.09โ€”
Expensive14x$52.19+2.2%
Current14x$51.09โ€”

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.

IREN PE Valuation

IREN has no meaningful PE right now: it lost money over the past year.

CCBG Forward outlook

MetricOutlook
Stable
Growth
Stable
Improving
Limited
High

Analysts expect CCBG's earnings to grow and its profitability to improve, with its revenue holding steady.

IREN Forward outlook

MetricOutlook
--
Losses growing
Strong growth
Strongly improving
Limited
Low

Analysts expect IREN's losses to grow, with revenue growing. However, they disagree widely on these estimates.

CCBG Risk to reward

ScenarioChangePrice
Upside+17%$59.97
Downside-14%$43.99

Calculated from the latest close: $51.09 on Nov 12.

There is not enough scenario data to compare CCBG and IREN's risk to reward.

IREN Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $19.48 on Nov 12.

There is not enough scenario data to compare CCBG and IREN's risk to reward.

CCBG Earnings Per Share

Q4 2023: $3.07Q1 2024: $3.01Q2 2024: $3.01Q3 2024: $3.04Q4 2024: $3.12Q1 2025: $3.37Q2 2025: $3.42Q3 2025: $3.58Q4 2025: $3.60Q1 2026: $3.53Q2 2026: $3.60Q3 2026: $3.66Forward: $3.80
Q4 2023: $3.07Q1 2024: $3.01Q2 2024: $3.01Q3 2024: $3.04Q4 2024: $3.12Q1 2025: $3.37Q2 2025: $3.42Q3 2025: $3.58Q4 2025: $3.60Q1 2026: $3.53Q2 2026: $3.60Q3 2026: $3.66Forward: $3.80
QuarterTTM EPSYoY
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 has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.

IREN Earnings Per Share

Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
QuarterTTM EPSYoY
Q3 2026-$3.96-347%
Q2 2026-$2.22-988%
Q1 2026$0.51+$1.10
Q4 2025$1.18+$1.62
Q3 2025$1.60+$1.99
Q2 2025$0.25+$0.45
Q1 2025-$0.59-$0.43
Q4 2024-$0.44-$0.15

IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.

CCBG Quarterly Revenue

Q4 2023: $56MQ1 2024: $56MQ2 2024: $59MQ3 2024: $60MQ4 2024: $60MQ1 2025: $61MQ2 2025: $63MQ3 2025: $66MQ4 2025: $63MQ1 2026: $63MQ2 2026: $65MQ3 2026: $64M
Q4 2023: $56MQ1 2024: $56MQ2 2024: $59MQ3 2024: $60MQ4 2024: $60MQ1 2025: $61MQ2 2025: $63MQ3 2025: $66MQ4 2025: $63MQ1 2026: $63MQ2 2026: $65MQ3 2026: $64M
QuarterRevenueYoY
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.

IREN Quarterly Revenue

Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
QuarterRevenueYoY
Q3 2026$228M-5.1%
Q2 2026$137.2M-27%
Q1 2026$144.8M0%
Q4 2025$184.7M+59%
Q3 2025$240.3M+355%
Q2 2025$187.3M+230%
Q1 2025$144.8M+168%
Q4 2024$116.1M+176%

IREN's revenue has held roughly level: $228M last quarter, down 5.1% from the same quarter a year ago.

CCBG Free Cash Flow

Q4 2023: $3MQ1 2024: $12MQ2 2024: $23MQ3 2024: $11MQ4 2024: $9MQ1 2025: $19MQ2 2025: $31MQ3 2025: $20MQ4 2025: $10MQ1 2026: $15MQ2 2026: $7MQ3 2026: $29M
Q4 2023: $3MQ1 2024: $12MQ2 2024: $23MQ3 2024: $11MQ4 2024: $9MQ1 2025: $19MQ2 2025: $31MQ3 2025: $20MQ4 2025: $10MQ1 2026: $15MQ2 2026: $7MQ3 2026: $29M
QuarterFree cash flowYoY
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 has the edge over IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.

IREN Free Cash Flow

Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
QuarterFree cash flowYoY
Q3 2026-$1.6B-$1.6B
Q2 2026$482.2M+2895%
Q1 2026-$873.8M-$523.1M
Q4 2025-$468M-$334M
Q3 2025-$38M+$349.4M
Q2 2025$16.1M+$179M
Q1 2025-$350.7M-$128.7M
Q4 2024-$134M-$105.2M

IREN's free cash flow was โˆ’$2.5B over the past year, against โˆ’$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.

CCBG Total Shares

Q4 2023: 17MQ2 2024: 17MQ3 2024: 17MQ4 2024: 17MQ2 2025: 17MQ3 2025: 17MQ4 2025: 17MQ2 2026: 17MQ3 2026: 17M
Q4 2023: 17MQ2 2024: 17MQ3 2024: 17MQ4 2024: 17MQ2 2025: 17MQ3 2025: 17MQ4 2025: 17MQ2 2026: 17MQ3 2026: 17M
PeriodChange %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 the edge over IREN on shareholder dilution, with a more favorable share count trend.

IREN Total Shares

Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
PeriodChange %Net change
Quarterly+26%+82.4M shares
1 year+10%+36.9M shares
3 years+511%+333M shares
5 years+624%+344M shares
Available history+2346%+382M shares

IREN has 399M diluted shares, up 10% from a year ago.

CCBG Net Leverage

Q4 2023: -0.7xQ1 2024: 0.2xQ2 2024: 0.1xQ3 2024: 0.1xQ4 2024: 0.2xQ1 2025: 0.1xQ2 2025: -0.0xQ3 2025: 0.2xQ4 2025: 0.3xQ1 2026: 0.0xQ2 2026: 0.2xQ3 2026: 0.0x
Q4 2023: -0.7xQ1 2024: 0.2xQ2 2024: 0.1xQ3 2024: 0.1xQ4 2024: 0.2xQ1 2025: 0.1xQ2 2025: -0.0xQ3 2025: 0.2xQ4 2025: 0.3xQ1 2026: 0.0xQ2 2026: 0.2xQ3 2026: 0.0x
QuarterNet LeverageStatus
Q3 20260.0xVery low
Q2 20260.2xVery low
Q1 20260.0xVery low
Q4 20250.3xVery low
Q3 20250.2xVery low
Q2 2025-0.0xNet Cash
Q1 20250.1xVery low
Q4 20240.2xVery 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.

IREN Net Leverage

Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
QuarterNet LeverageStatus
Q1 2026157.6xHigh
Q4 202522.2xHigh
Q3 20254.1xHigh
Q2 20252.0xModerate
Q1 20253.3xElevated
Q4 2024-4.6xNet Cash
Q3 2024-16.7xNet Cash
Q2 2024-15.9xNet Cash

IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.

CCBG Weekly Momentum

MetricValueStatus
RSI59.4Neutral
Stochastic53.7Neutral

CCBG's weekly RSI is 59 (neutral) and its Stochastic is 54 (neutral).

IREN Weekly Momentum

MetricValueStatus
RSI33.3Neutral
Stochastic8.2Oversold

IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).

CCBG PE vs Financial Services Sector

MetricCCBGSector medianRelative
PE14x13x7.2% above
PE %806317 pts above

CCBG is trading at 14x earnings, in line with the Financial Services sector's median of 13x.

IREN PE vs Financial Services Sector

MetricIRENSector medianRelative
PEN/A13xโ€”

IREN has no meaningful PE right now: it lost money over the past year.

CCBG Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$49.92.3% above
20 week MA$50.60.9% above
50 week MA$47.08.8% above
100 week MA$42.820% above
200 week MA$36.839% above

CCBG has the edge over IREN on trend strength, trading above more of its moving averages.

IREN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$29.835% below
20 week MA$36.246% below
50 week MA$42.854% below
100 week MA$32.039% below
200 week MA$19.12.1% above

IREN has fallen below most of its moving averages, though it's still 2.1% above its 200-week average.

CCBG Yearly ROI

YearStart priceEnd priceROI
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 the edge over IREN on returns for 2026, with the stronger performance.

IREN Yearly ROI

YearStart priceEnd priceROI
2021$24.8$17.2-31%
2022$17.2$1.19-93%
2023$1.19$7.15+501%
2024$7.15$10.7+50%
2025$10.7$40.3+276%
2026 YTD$40.3$19.5-52%

IREN's yearly returns have swung widely, from +501% in 2023 to โˆ’93% in 2022. It's down 52% so far in 2026.

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