CCBG
CAPITAL CITY BANK GROUP INC
Next earnings Jul 20, 2026 · consensus $0.92 EPS, $65.5M rev
Last earnings +0.1% on 2026-04-20
$49.98
▲ +2.90%$49.98▲ +34.75%
over 1Y
L $37.09EODHDH $49.98
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+2.9%
1W+6.7%
1M+8.1%
3M+16.9%
YTD+19.6%
1Y+34.8%
Buy
Conviction
Horizon
Long (>12mo)
12-mo target
$•••
Street · 8 analysts
Sell
Cheap, well-capitalized Florida community bank compounding earnings at mid-teens with a sticky core-deposit moat — a quiet buy.
Diluted EPS $3.60 · FY2025
The read
Quality fundamentals and an attractive price line up (~138% below fair value) — the rarer case where both the business and the entry look good.
CCBG is a 62-branch Florida/Georgia community bank whose 2025 numbers tell a clean story: net income $61.6M (+16.3% YoY), diluted EPS $3.60 (+15.4%), and operating cash flow $87.6M (+37.8%) on a balance sheet that grew assets only 1.4%. That combination — earnings up double-digits while the balance sheet barely grew — points to net-interest-margin expansion and operating leverage rather than asset-side risk-taking, exactly what you want to see in a community bank late in a rate cycle. At $48.36 the stock trades at 13.4x trailing EPS and roughly 1.5x book ($553M equity / 17.2M shares ≈ $32 BVPS), modest for a bank delivering 11.1% ROE with a fortress-light leverage profile (liabilities/equity of 6.93x is conservative for the group).
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $33.4M | $33.4M | $52.3M | $52.9M | $61.6M |
| Diluted EPS | $1.98 | $1.97 | $3.07 | $3.12 | $3.60 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF10.7
PEG (trailing)0.85
Earnings yield7.2%
FCF yield9.3%
Quality & risk
ROIC (est.)—
Free cash flow$80.0M
Total debt$50.4M
Net cash$480M
Piotroski F-Score5/6
Capital returns
Buyback yield0.0%
Dividend yield (est.)2.0%
Shareholder yield2.0%
Shares Δ YoY+0.6%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRecent disclosure tone has been improving.
- 8-K Reg FD disclosure2026-05-15
Reg FD disclosure (investor materials/presentation); no financial change for shareholders
- 10-Q Quarterly report2026-04-28
Q1 2026 10-Q filed; continues FY25 earnings momentum and equity build
- 8-K Shareholder vote2026-04-23
Annual meeting voting results disclosed; routine governance, no surprises
- 8-K Earnings results2026-04-20
Q1 2026 earnings release furnished; results detailed in 10-Q
- DEF 14A Proxy statement2026-03-10
2026 proxy: director slate, say-on-pay, auditor ratification — routine
- 10-K Annual report2026-02-27
FY25 10-K: NI $61.6M, EPS $3.60, equity +12%, OCF +38%, ROE ~11%
- 8-K Reg FD disclosure2026-02-02
Reg FD investor materials furnished post-FY25 results
- 8-K Earnings results2026-01-27
FY25 Q4/full-year earnings release: NI $61.6M (+16%), diluted EPS $3.60 (+15%)
- 8-K Reg FD disclosure2025-11-03
Reg FD investor materials following Q3 results
Recent filings
all on EDGAR ↗11-K/APeriod ending 2025-12-312026-06-25open ↗11-KPeriod ending 2025-12-312026-06-24open ↗4Period ending 2026-05-262026-05-28open ↗8-KPeriod ending 2026-05-152026-05-15open ↗4Period ending 2026-05-132026-05-15open ↗10-QPeriod ending 2026-03-312026-04-28open ↗8-KPeriod ending 2026-04-212026-04-23open ↗8-KPeriod ending 2026-04-202026-04-20open ↗4Period ending 2026-04-072026-04-09open ↗4Period ending 2026-04-072026-04-09open ↗4Period ending 2026-04-072026-04-09open ↗4Period ending 2026-04-072026-04-09open ↗
Frequently asked
- Is CAPITAL CITY BANK GROUP INC (CCBG) a buy?
- CCBG currently carries a Buy rating with 3/5 conviction, derived from its latest SEC filings. Cheap, well-capitalized Florida community bank compounding earnings at mid-teens with a sticky core-deposit moat — a quiet buy.
- What is CCBG's fair value?
- A Modified-Graham model based on CCBG's SEC fundamentals estimates a fair value of about $118.79. It is an estimate from reported earnings, not a price target.
- Is CCBG overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, CCBG currently appears undervalued relative to its SEC-grounded earnings power.
- What is CAPITAL CITY BANK GROUP INC's quality score?
- CCBG scores 77.23529411764706/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000726601, latest 10-Q filed 2026-04-28) · EODHD · analysis by claude-code · as of 6/25/2026, 2:55:06 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.