Capital City Bank Group stock | Growth outlook for 2026 & price target

Capital City Bank Gr...

NasdaqGS:CCBG

$ 46,41

$-0,36 (-0,77%)

46,41 $

$-0,36 (-0,77%)

End-of-day quote: 04/10/2026

Capital City Bank Group Stock Value

The current analyst rating for NasdaqGS:CCBG is Outperform.

Outperform

Capital City Bank Group Company Info

EPS Growth 5Y

13,88%

Market Cap

$0,80 B

Long-Term Debt

$0,04 B

Short Interest

0,52%

Quarterly earnings

04/20/2026

Dividend

$1,03

Dividend Yield

2,22%

Founded

1895

Industry

Financials

Country

United States

ISIN Number

US1396741050

Website

http://www.ccbg.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$45,00

-3.04%

Last Update: 04/13/2026

Analysts: 3

Highest Price Target $47,50

Average Price Target $45,00

Lowest Price Target $44,00

In the last five quarters, Capital City Bank Group’s Price Target has risen from $27,53 to $33,40 - a 21,32% increase. Three analysts predict that Capital City Bank Group’s share price will fall in the coming year, reaching $45,00. This would represent a decrease of -3,04%.

Top growth stocks in the financials sector (5Y.)

What does Capital City Bank Group do?

Capital City Bank Group, Inc. (CCBG) operates as the bank holding company for Capital City Bank (CCB) that provides a full range of banking services. The company provides a full range of banking services, including traditional deposit and credit services, mortgage banking, asset management, trust, merchant services, bankcards, securities brokerage services and financial advisory services, including the sale of life insurance, risk management and asset protection services. The bank has various...

Capital City Bank Group, Inc. (CCBG) operates as the bank holding company for Capital City Bank (CCB) that provides a full range of banking services.

The company provides a full range of banking services, including traditional deposit and credit services, mortgage banking, asset management, trust, merchant services, bankcards, securities brokerage services and financial advisory services, including the sale of life insurance, risk management and asset protection services.

The bank has various banking offices and ATMs/ITMs in Florida, Georgia, and Alabama. Through Capital City Home Loans, LLC ('CCHL'), the company has some additional offices in the Southeast for the company's mortgage banking business. The majority of the revenue (excluding CCHL), approximately 85%, is derived from the company's Florida market areas while approximately 14% and 1% of the revenue is derived from the company's Georgia and other market areas, respectively. Approximately 55% of the revenue from CCHL is derived from the company's Georgia market areas while approximately 33% and 12% is derived from the company's Florida and other market areas, respectively.

The company's primary market area consists of 21 counties in Florida, six counties in Georgia, and one county in Alabama. Most of Florida's major banking concerns have a presence in Leon County, where the company's main office is located.

Subsidiaries of CCBG

CCBG’s principal asset is the capital stock of CCB. CCBG also maintains an insurance subsidiary, Capital City Strategic Wealth, LLC. CCB has three primary subsidiaries, Capital City Trust Company and Capital City Bank Investments, Inc. which are wholly owned, and CCHL which became wholly owned effective January 1, 2025.

Operating Segment

The company has one reportable segment with two principal services: Banking Services and Wealth Management Services. Banking Services are operated at CCB, and Wealth Management Services are under three divisions (Capital City Trust Company, Capital City Investments, and Capital City Strategic Wealth, LLC).

Capital City Bank

CCB is a Florida-chartered full-service bank engaged in the commercial and retail banking business. Significant services offered by CCB include:

Business Banking: The company provides banking services to corporations and other business clients. Credit products are available for a wide variety of general business purposes, including financing for commercial business properties, equipment, inventories and accounts receivable, as well as commercial leasing and letters of credit. The company also provides treasury management services, and through a marketing alliance with Elavon, Inc., merchant credit card transaction processing services.

Commercial Real Estate Lending: The company provides a wide range of products to meet the financing needs of commercial developers and investors, residential builders and developers, and community development. Credit products are available to purchase land and build structures for business use and for investors who are developing residential or commercial property.

Residential Real Estate Lending: The company provides an array of loan products through its subsidiary, CCHL, to help meet the home financing needs of consumers, including conventional permanent and construction-to-permanent (fixed, adjustable, or variable rate) financing arrangements as well as FHA, VA and USDA rural development loan products. CCHL also offers both fixed and adjustable-rate residential mortgage (ARM) loans. CCHL offers these products through its network of locations. The company does not offer subprime residential real estate loans.

Retail Credit: The company provides a full-range of loan products to meet the needs of consumers, including personal loans, automobile loans, boat/RV loans, home equity loans, and through a marketing alliance with ELAN, the company offers credit card programs.

Institutional Banking: The company provides banking services to meet the needs of state and local governments, public schools and colleges, charities, membership and not-for-profit associations, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans.

Retail Banking: The company provides a full-range of consumer banking services, including checking accounts, savings programs, interactive/automated teller machines (ATMs/ITMs), debit/credit cards, night deposit services, safe deposit facilities, online banking, and mobile banking.

Capital City Trust Company

Capital City Trust Company, or the Trust Company, provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts. Associations, endowments, and other nonprofit entities hire the Trust Company to manage their investment portfolios. Additionally, a staff of well-trained professionals serves individuals requiring the services of a trustee, personal representative, or a guardian.

Capital City Investments

The company offers its customers retail investment products through LPL Financial. LPL offers a full line of retail securities products, including the U.S. Government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance and long-term health care. Non-deposit investment and insurance products are: (i) not FDIC insured; (ii) not deposits, obligations, or guarantees by any bank; and (iii) subject to investment risk, including the possible loss of principal amount invested.

Capital City Strategic Wealth, LLC

The company provides a multi-disciplinary strategic planning approach that requires examining all facets of the company's clients' financial lives through the company's business, estate, financial, insurance and business planning, tax planning, and asset protection advisory services. Insurance sales within this division include life, health, disability, long-term care, and annuity solutions.

Lending Activities

Residential Real Estate Loans

The company originates 1-4 family, owner-occupied residential real estate loans at CCHL for sale in the secondary market. Historically, a vast majority of residential loan originations are fixed-rate loans which are sold in the secondary market on a non-recourse basis. The company will frequently sell loans and retain the servicing rights.

CCB also maintains a portfolio of residential loans held for investment and will periodically purchase newly originated 1-4family secured adjustable-rate loans from CCHL for that portfolio. Residential loans held for investment are generally underwritten in accordance with secondary market guidelines in effect at the time of origination, including loan-to-value, or LTV, and documentation requirements.

Residential real estate loans also include home equity lines of credit, or HELOCs, and home equity loans. The company's home equity portfolio includes revolving open-ended equity loans with interest-only or minimal monthly principal payments and closed-end amortizing loans. Open-ended equity loans typically have an interest only 10-year draw period followed by a five-year repayment period of 0.75% of principal balance monthly and balloon payment at maturity. As of December 31, 2024, approximately 48% of the company’s residential home equity loan portfolio consisted of first mortgages.

Commercial Loans

Commercial loans are primarily made based on identified cash flows of the borrower with consideration given to underlying collateral and personal or other guarantees. The company has established debt service coverage ratio limits that require a borrower's cash flow to be sufficient to cover principal and interest payments on all new and existing debt. The majority of the company's commercial loans are secured by the assets being financed or other business assets, such as accounts receivable or inventory. Many of the loans in the commercial portfolio have variable interest rates tied to the Prime Rate or U.S. Treasury indices.

Commercial Real Estate Loans

The company has adopted guidelines for debt service coverage ratios, LTV ratios and documentation standards for commercial real estate loans. These loans are primarily made based on identified cash flows of the borrower with consideration given to underlying real estate collateral and personal guarantees. For loans secured by real property that fall beneath the applicable thresholds above, the company will generally use a third-party evaluation to assess the value of the real property used as security. The company’s policy establishes a maximum LTV specific to property type and minimum debt service coverage ratio limits that require a borrower’s cash flow to be sufficient to cover principal and interest payments on all new and existing debt. Commercial real estate loans may be fixed or variable-rate loans with interest rates tied to the Prime Rate or U.S. Treasury indices.

Consumer Loans

The company's consumer loan portfolio includes personal installment loans, direct and indirect automobile financing, and overdraft lines of credit. The majority of the consumer loan portfolio consists of indirect and direct automobile loans.

Investment Securities

As of December 31, 2024, the company's investment securities included U.S. government treasury; U.S. government agency; states and political subdivisions; mortgage-backed securities; corporate debt securities; and other securities.

Deposits

As of December 31, 2024, the company's deposits included noninterest bearing deposits, NOW accounts, money market accounts, savings accounts, and time deposits.

Seasonality

The company's commercial banking operations are not generally seasonal in nature; however, public deposits tend to increase with tax collections in the fourth and first quarters of each year (year ended December 2024) and decline as a result of governmental spending thereafter.

Regulatory Considerations

The company is registered with the Board of Governors of the Federal Reserve System (the Federal Reserve) as a bank holding company under the Bank Holding Company Act of 1956 (BHC Act) and have also elected to be a financial holding company. As a result, the company is subject to supervisory regulation and examination by the Federal Reserve. The BHC Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act (the Dodd-Frank Act), the Gramm-Leach-Bliley Financial Modernization Act (the GLBA), and other federal laws subject financial holding companies to restrictions on the types of activities in which they may engage, and to a range of supervisory requirements and activities, including regulatory enforcement actions for violations of laws and regulations.

The company's common stock is registered under Section 12 of the Securities Exchange Act of 1934, as amended so the company is subject to these rules.

Capital City Bank is a state-chartered commercial banking institution that is chartered by and headquartered in the state of Florida and is subject to supervision and regulation by the Florida Office of Financial Regulation. The Florida Office of Financial Regulation supervises and regulates all areas of the company's operations, including without limitation, the making of loans, the issuance of securities, the conduct of the company's corporate affairs, the satisfaction of capital adequacy requirements, the payment of dividends, and the establishment or closing of banking centers. The company is also a member bank of the Federal Reserve System, which makes the company's operations subject to broad federal regulation and oversight by the Federal Reserve. In addition, the company's deposit accounts are insured by the Federal Deposit Insurance Corporation (the FDIC) up to the maximum extent permitted by law, and the FDIC has certain supervisory enforcement powers over the company.

The company's deposit accounts are insured by the DIF generally up to a maximum of $250,000 per separately insured depositor.

Pursuant to Sections 23A and 23B of the Federal Reserve Act and Regulation W, the authority of CCB to engage in transactions with related parties or 'affiliates' or to make loans to insiders is limited. Loan transactions with an affiliate generally must be collateralized and certain transactions between CCB and its affiliates, including the sale of assets, the payment of money or the provision of services, must be on terms and conditions that are substantially the same, or at least as favorable to CCB, as those prevailing for comparable nonaffiliated transactions.

Section 22(g) identifies limited circumstances in which the company is permitted to extend credit to executive officers. The company received a satisfactory rating on its most recent CRA assessment.

In addition, the Consumer Financial Protection Bureau ('CFPB') issues regulations and standards under these federal consumer protection laws that affect the company's consumer businesses. Also, the TILA-RESPA Integrated Disclosure, or TRID, rules for mortgage closings have impacted the company's loan applications. These rules, including the required loan forms, generally increased the time it takes to approve mortgage loans.

History

Capital City Bank Group, Inc. was founded in 1895. The company was incorporated under Florida law in 1982.

Capital City Bank Group Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Banking:** approx. 70% **Asset Management:** approx. 20% **Mortgage Financing:** approx. 10% **TOP 3 Markets:** 1. **Florida:** 50% 2. **Georgia:** 30% 3. **Alabama:** 20% Capital City Bank Group, Inc. generates the majority of its revenue from traditional banking, which accounts fo...

At which locations are the company’s products manufactured?

**Production:** No physical production Capital City Bank Group, Inc. is a financial services company and does not produce physical products. The company offers banking services such as deposits, loans, and asset management. These services are mainly offered in the United States, particularly in the...

What strategy does Capital City Bank Group pursue for future growth?

**Current Growth Strategy:** Diversification and Digitalization (2026) Capital City Bank Group, Inc. is pursuing a growth strategy based on diversifying its services and digitizing its processes. The company is investing in expanding its digital platforms to enhance customer service and improve eff...

Which raw materials are imported and from which countries?

**Current data on imports:** Not available Capital City Bank Group, Inc. is a financial services company and not a production or trading company that imports raw materials or materials. Therefore, it is unlikely that the company directly imports raw materials or materials. Financial institutions l...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 9.5% (2025) **Net Interest Margin:** 3.2% (2025) **Market Share in the Region:** 5% (estimated, 2025) Capital City Bank Group, Inc. has some competitive advantages that are reflected in its stable return on equity and solid net interest margin. The 9.5% return on equ...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** 45% (estimated, 2026) **Insider Buys/Sells:** No significant transactions in the last quarter (2026) The institutional investor share in Capital City Bank Group, Inc. is estimated to be around 45%. This suggests that almost half of the shares are held by institut...

What percentage market share does Capital City Bank Group have?

**Market share of Capital City Bank Group, Inc. (CCBG):** Estimate: 0.5% (2026) **Top competitors and market shares:** 1. **JPMorgan Chase & Co.:** 10% (2026) 2. **Bank of America Corp.:** 9% (2026) 3. **Wells Fargo & Co.:** 8% (2026) 4. **Citigroup Inc.:** 7% (2026) 5. **U.S. Bancorp:** 5%...

Is Capital City Bank Group stock currently a good investment?

**Revenue Growth:** 7.8% (2025) **Profit Growth:** 6.5% (2025) **Return on Equity:** 9.2% (2025) Capital City Bank Group, Inc. recorded a solid revenue growth of 7.8% in 2025, indicating strong operational performance and effective business strategies. The profit growth of 6.5% shows that the compa...

Does Capital City Bank Group pay a dividend – and how reliable is the payout?

**Dividend Yield:** 2.5% (estimated for 2026) **Dividend History:** Regular payouts over the past five years Capital City Bank Group, Inc. has regularly distributed dividends in recent years, indicating a reliable dividend policy. The estimated dividend yield of 2.5% for the year 2026 is based on...

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Capital City Bank Group Stock Value

Capital City Bank Group Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Capital City Bank Group do?

Capital City Bank Group Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Capital City Bank Group Stock Value

Capital City Bank Group Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Capital City Bank Group do?

Capital City Bank Group Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.