Capital City Bank Group, Inc. (CCBG) Stock

Capital City Bank Group, Inc. (CCBG) is a Financials stock trading at $51.26 (as of 2026-08-21), with a market capitalization of $876.62M and a trailing P/E of 14.5. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Capital City Bank Group, Inc. is a financial holding company for Capital City Bank, offering banking and banking-related services to individual and corporate customers. Its business includes commercial and consumer lending, treasury and cash management services, and related offerings such as leasing, letters of credit, and merchant credit card transaction processing.

Understand Capital City Bank Group, Inc.: how it makes money

Capital City Bank Group provides banking and banking-related services to individual and corporate clients, earning money through commercial and residential lending, commercial leasing and letters of credit, treasury management, and merchant credit card transaction processing.

Because the bank generates income from lending and banking services, deposit levels are a key operational driver, which is why the highlighted KPI is Deposit Balances Decline (End of Period).

Business quality (Solid): Clear business mix description, but no official reportable segment breakdown or broader operating KPIs were provided, so investor visibility into the profit engine is limited beyond deposit balance direction.

Valuation: At 13× earnings, CCBG trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Breadth of earning activities: The company offers commercial and residential real estate lending, commercial leasing and letters of credit, treasury management, and merchant credit card transaction processing.

Bear case

  • Deposit pressure signal: The operational KPI indicates Deposit Balances Decline (End of Period) of 0.25 USD_B (imp 3).
Valuation — source: SEC EDGAR (first-party)
Price$51.26
Market Cap$876.62M
P/E Ratio14.5
EV / EBITDA5.2
Price / Book1.57
Price / Sales4.26
FCF Yield8.6%
DCF Value (model)$69.50
DCF Upside vs Price35.6%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$204.39M
Net Margin30.1%
Revenue Growth (YoY)2.5%
EPS Growth (YoY)-7.1%
FCF Growth (YoY)-24.8%
Valuation vs Sector & Industry
Stock P/E14.5
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-4.1%
vs Industry11.7%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($71.75M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOWilliam Godfrey Smith Jr.
Employees940
CountryUS
IPO Date1994-06-06

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • Mid Penn Bancorp, Inc. (MPB)
  • First Community Bankshares, Inc. (FCBC)
  • Farmers National Banc Corp. (FMNB)
  • Great Southern Bancorp, Inc. (GSBC)
  • Eagle Bancorp, Inc. (EGBN)
  • South Plains Financial, Inc. (SPFI)
  • Orrstown Financial Services, Inc. (ORRF)
  • Independent Bank Corporation (IBCP)
CCBG earnings history · CCBG institutional & insider holders · CCBG KPIs & operating metrics · CCBG financials · CCBG investor presentations & press releases · CCBG SEC filings · CCBG peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.