CCBG
Financial ServicesCapital City Bank Group, Inc. · Banks - Regional · $790M
What is Capital City Bank Group, Inc.?
Capital City Bank Group is a Florida-based financial holding company serving individual and corporate clients across the southeastern United States. Its banking subsidiary, Capital City Bank, delivers a broad range of lending, deposit, and wealth management services.
Capital City Bank Group earns revenue primarily through interest income on loans and leases, fee-based treasury and merchant services, and wealth management accounts. It serves consumers, small businesses, corporations, and local government entities — offering everything from everyday checking accounts to commercial real estate financing and personal trust services.
The holding company was established in 1994 and is headquartered in Tallahassee, Florida.
- Commercial and residential real estate lending
- Consumer loans including auto, boat/RV, and home equity
- Treasury management and merchant card processing
- Asset management and personal trust services
Is CCBG a Good Stock to Buy?
UQS Score rates CCBG as Below Average overall, reflecting meaningful divergence across its five quality pillars.
The Quality pillar stands out as a genuine strength, suggesting the bank maintains sound operational discipline relative to peers. Valuation is rated Attractive, meaning the stock does not appear richly priced compared to fundamentals — a potential point of interest for value-oriented investors.
Both the Moat and Growth pillars register as Weak, indicating limited competitive differentiation and constrained expansion prospects — meaningful headwinds for long-term compounding.
See the exact pillar breakdown and underlying financial metrics by signing up for a Pro account at UQS Score. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does CCBG pay dividends?
Yes — Capital City Bank Group, Inc. pays a dividend.
Capital City Bank Group pays a regular dividend, which is common among community and regional banks that generate relatively stable net interest income. For income-focused investors, this cadence can be appealing, though dividend sustainability depends on ongoing earnings quality. The Risk pillar's Neutral rating suggests the payout is not under immediate pressure.
When does CCBG report earnings?
Capital City Bank Group reports earnings on a quarterly cadence, consistent with standard practice for US-listed bank holding companies.
The bank's Quality pillar rating suggests it has maintained reasonable operational standards, though the Weak Growth pillar points to limited top-line momentum in recent periods. Investors should weigh both when reviewing quarterly results.
For the most recent quarter's results and guidance, visit Capital City Bank Group's investor relations page directly.
CCBG Price History
+95.5% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Capital City Bank Group, Inc.?
Based on Capital City Bank Group, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
CCBG Long-term Outlook
The combination of a Weak Growth pillar and Weak Moat pillar suggests CCBG faces a challenging path to meaningfully expanding earnings or market share. The Neutral Risk rating indicates the bank is not in acute financial distress, but the absence of strong competitive advantages limits upside. An Attractive Valuation label may cushion downside, but growth-oriented investors may find the fundamental trajectory underwhelming.
Growth drivers
- Stable southeastern regional economy supporting loan demand
- Fee income diversification through treasury and wealth management services
- Potential benefit from rate environment normalization on net interest margins
Key risks
- Limited competitive moat in a crowded regional banking landscape
- Weak growth profile constraining earnings expansion
- Credit quality sensitivity to regional economic cycles
CCBG vs Peers
CCBG operates in a competitive small-cap regional banking space alongside several peers with distinct strategic profiles.
A Midwest-focused community bank with a similarly conservative lending culture, competing on deposit relationships and local market depth.
A New York-based community bank with a concentrated residential mortgage focus, offering a different geographic and product mix than CCBG.
A larger, more growth-oriented institution that has pursued digital banking and specialty lending strategies beyond traditional community banking.
Frequently Asked Questions
What does Capital City Bank Group do?
Capital City Bank Group is a financial holding company whose subsidiary, Capital City Bank, provides lending, deposit, treasury, merchant services, and wealth management to consumers, businesses, and local governments across the southeastern United States.
Does CCBG pay dividends?
Yes, Capital City Bank Group pays a regular dividend. This is typical for community bank holding companies that generate relatively predictable net interest income. Investors should review the company's investor relations page for the current dividend rate and payment schedule.
When does CCBG report earnings?
CCBG reports earnings quarterly, in line with standard US-listed company requirements. For the exact schedule and most recent results, check Capital City Bank Group's investor relations page, as specific dates are subject to change.
Is CCBG a good stock to buy?
UQS Score rates CCBG as Below Average overall. The Quality and Valuation pillars are relative positives, but Weak Moat and Growth ratings are meaningful concerns. Whether it fits your portfolio depends on your investment goals — the full pillar breakdown is available to Pro members.
Is CCBG overvalued?
The UQS Valuation pillar for CCBG is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. For investors focused on price relative to quality, this may be a relevant data point — though valuation alone does not determine overall stock quality.
How does CCBG compare to its competitors?
Compared to peers like First Financial Corporation, TrustCo Bank Corp NY, and Customers Bancorp, CCBG competes as a southeastern community bank with a diversified service mix. Its Quality pillar is a relative strength, though its Weak Moat suggests limited differentiation versus regional banking peers.
What is CCBG's market cap bracket?
CCBG is classified as a small-cap stock. This places it among smaller regional bank holding companies, which typically carry different liquidity and volatility characteristics than large-cap financial institutions.
Who founded Capital City Bank Group?
Capital City Bank Group's holding company structure was established in 1994. The bank itself has deeper roots in the Tallahassee, Florida community. For detailed founding history, the company's official website and investor relations materials are the most reliable sources.
Is CCBG a long-term quality investment?
As a long-term quality indicator, CCBG's profile is mixed. The Strong Quality pillar is encouraging, but Weak Moat and Growth ratings suggest limited capacity to compound value over time. Long-term investors should weigh these factors carefully — the full analysis is available to Pro members.
What sector does CCBG belong to?
CCBG operates in the Financial Services sector, specifically as a community bank holding company. Regional and community banks in this sector are generally sensitive to interest rate cycles, credit conditions, and local economic trends in their operating markets.
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Pro Analysis
CCBG — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 46.6 | 79.6 | 21.0 | 20.8 | 46.6 | 68.5 | -0.1 |
| May 21, 2026 | 46.7 | 79.6 | 21.0 | 21.2 | 46.6 | 68.6 | 0.0 |
| May 20, 2026 | 46.7 | 79.6 | 21.0 | 21.2 | 46.6 | 68.8 | 0.0 |
| May 19, 2026 | 46.7 | 79.6 | 21.0 | 21.2 | 46.6 | 68.9 | -0.1 |
| May 16, 2026 | 46.8 | 79.6 | 21.0 | 21.2 | 46.6 | 69.1 | +0.1 |
| May 15, 2026 | 46.7 | 79.6 | 21.0 | 21.2 | 46.6 | 68.8 | 0.0 |
| May 13, 2026 | 46.7 | 79.6 | 21.0 | 21.2 | 46.6 | 68.9 | 0.0 |
| May 12, 2026 | 46.7 | 79.6 | 21.0 | 21.2 | 46.6 | 68.8 | 0.0 |
| May 11, 2026 | 46.7 | 79.6 | 21.0 | 21.2 | 46.6 | 68.4 | +1.6 |
| May 10, 2026 | 45.1 | 79.6 | 21.0 | 21.2 | 46.6 | 57.9 | -0.9 |
CCBG — Pillar Breakdown
Quality
— 79.6/100 (25%)Capital City Bank Group, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 20.8/100 (20%)Capital City Bank Group, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 46.6/100 (15%)Capital City Bank Group, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 68.5/100 (15%)Capital City Bank Group, Inc. trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 21/100 (25%)Capital City Bank Group, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CCBG.
Score Composition
Financial Data
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How is the CCBG UQS Score Calculated?
The UQS (Unified Quality Score) for Capital City Bank Group, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Capital City Bank Group, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Capital City Bank Group, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.