Capital City Bank (CCBG) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Capital City Bank

NasdaqGS•Financial Services•Banks - Regional

$50.68-0.04(<0.01%)Market open

Market Cap

$856.59M

P/E

13.9x

P/S

3.0x

P/B

1.5x

Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking services to individual and corporate clients. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. It also provides commercial and residential real estate lending products, as well as fixed and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans. In addition, the company offers institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Further, it provides consumer banking services comprising checking accounts, savings programs, interactive/automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and online and mobile banking services. Additionally, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and various retail investment products, such as the U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care, as well as business, estate, financial, insurance and business planning, tax planning, and asset protection advisory services. Further, the company offers mortgage banking. Capital City Bank Group, Inc. was founded in 1895 and is headquartered in Tallahassee, Florida.

How this company scores

GoodMetricSide Score: 73/100

Strongest: Profitability (23/25); weakest: Cash & Earnings Quality (14/25).

Profitability23/25

Growth16/25

Balance Sheet & Red Flags20/25

Cash & Earnings Quality14/25

Strengths

Strong marginsLow leverageConsistent free cash flowProfit converts from growth

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.9x5y range 0.0x – 15.4x

Currently near its 20-quarter median.

P/S · 3.0x5y range 0.0x – 3.0x

Currently above its 20-quarter median.

P/B · 1.5x5y range 0.0x – 1.5x

Price & Volume

Market Cap $856.59M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $288.97M
Q. Revenue: $72.44M
TTM EBITDA: $92.72M
TTM Op. Income: $81.59M
Q. Op. Income: $21.24M
TTM Net Income: $61.75M
Q. Net Income: $16.28M
EPS: $0.95
Shares Out.: $17.10M

$288.97M in TTM revenue grew 3.8% YoY, reaching $72.44M last quarter. TTM EBITDA of $92.72M and TTM operating income of $81.59M show growth is flowing through to the bottom line. TTM net income of $61.75M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 89.5%
EBITDA Margin: 31.8%
Op. Margin: 29.3%
Net Margin: 22.5%

Op. margin of 29.3% is up 1.3% YoY — cost efficiency is improving. Net margin at 22.5% and gross margin of 89.5% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.9x
P/S Ratio: 3.0x
P/B Ratio: 1.5x

At 13.9x P/E, the stock trades below typical market levels. P/S of 3.0x and P/B of 1.5x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 20% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $4.45B
Cash: $479.73M
Long-Term Debt: $567,000
Book Value: $570.10M
D/E Ratio: 0.0
Debt/EBITDA: 0.0

With $4.45B in assets and $567,000 in long-term debt, D/E is 0.0and book value is $570.10M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $12.77M
TTM Free Cash Flow: $51.87M
FCF Margin: 17.9%
FCF / Net Income: 0.8

TTM FCF of $51.87M on $12.77M in operating cash flow. The FCF / Net Income ratio of 0.8x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.