📊 CCBG Key Takeaways
Investment Thesis
Capital City Bank Group demonstrates solid financial health with strong profitability metrics, particularly a robust 30.1% net margin and 40.0% operating margin. Revenue growth of 19.1% YoY combined with 16.3% net income growth and healthy free cash flow of $80M reflects quality earnings expansion. The conservative leverage profile (0.00x debt/equity) and substantial cash position provide financial flexibility, though modest ROA of 1.4% suggests operational efficiency improvements are possible.
CCBG Strengths
- Exceptional net profit margin at 30.1% with 19.1% revenue growth demonstrating pricing power and operational leverage
- Conservative balance sheet with minimal long-term debt ($314K) and strong equity base of $552.9M providing financial stability
- High-quality earnings conversion with 80.0M free cash flow (39.2% FCF margin) indicating sustainable profitability beyond accounting earnings
CCBG Risks
- Low ROA of 1.4% reflects asset-intensive banking model with modest returns relative to $4.4B asset base requiring monitoring
- Heavy insider trading activity (21 Form 4 filings in 90 days) warrants investigation into whether accumulation or diversification is occurring
- As a regional commercial bank, subject to interest rate sensitivity, credit cycle risk, and local economic concentration in Capital City market
Key Metrics to Watch
- Net Interest Margin (NIM) trend given Federal Reserve policy changes and interest rate environment
- Non-performing loan ratio and loan loss provisions as early indicators of credit quality deterioration
- Deposit growth and deposit beta to assess funding stability and net interest margin sustainability
CCBG Financial Metrics
💡 AI Analyst Insight
The 39.2% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CCBG Profitability Ratios
CCBG vs Finance Sector
How CAPITAL CITY BANK GROUP INC compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CCBG Balance Sheet & Liquidity
CCBG 5-Year Financial Trend
5-Year Trend Summary: CAPITAL CITY BANK GROUP INC's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $3.07 reflects profitable operations.
CCBG Growth Metrics (YoY)
CCBG Capital Allocation
CCBG SEC Filings
Access official SEC EDGAR filings for CAPITAL CITY BANK GROUP INC (CIK: 0000726601)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 10, 2026 | DEF 14A | ny20064025x1_def14a.htm | View → |
| Mar 2, 2026 | 4 | xslF345X05/form4-03022026_060318.xml | View → |
| Mar 2, 2026 | 4 | xslF345X05/form4-03022026_060353.xml | View → |
| Mar 2, 2026 | 4 | xslF345X05/form4-03022026_060306.xml | View → |
| Mar 2, 2026 | 4 | xslF345X05/form4-03022026_060302.xml | View → |
❓ Frequently Asked Questions about CCBG
What is the AI rating for CCBG?
CAPITAL CITY BANK GROUP INC (CCBG) has an AI rating of BUY with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CCBG's key strengths?
Exceptional net profit margin at 30.1% with 19.1% revenue growth demonstrating pricing power and operational leverage. Conservative balance sheet with minimal long-term debt ($314K) and strong equity base of $552.9M providing financial stability.
What are the risks of investing in CCBG?
Low ROA of 1.4% reflects asset-intensive banking model with modest returns relative to $4.4B asset base requiring monitoring. Heavy insider trading activity (21 Form 4 filings in 90 days) warrants investigation into whether accumulation or diversification is occurring.
What is CCBG's revenue and growth?
CAPITAL CITY BANK GROUP INC reported revenue of $204.4M.
Does CCBG pay dividends?
CAPITAL CITY BANK GROUP INC pays dividends, with $17.1M distributed to shareholders in the trailing twelve months.
Where can I find CCBG SEC filings?
Official SEC filings for CAPITAL CITY BANK GROUP INC (CIK: 0000726601) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CCBG's EPS?
CAPITAL CITY BANK GROUP INC has a diluted EPS of $3.60.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.