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Upturn AI SWOT - About
CCBG 
Capital City Bank Group (CCBG)
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Upturn Advisory Summary
07/08/2025: CCBG (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $42.67
1 Year Target Price $42.67
| 1 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 18.36% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/08/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 705.05M USD | Price to earnings Ratio 12.18 | 1Y Target Price 42.67 |
Price to earnings Ratio 12.18 | 1Y Target Price 42.67 | ||
Volume (30-day avg) 3 | Beta 0.37 | 52 Weeks Range 26.31 - 41.75 | Updated Date 07/8/2025 |
52 Weeks Range 26.31 - 41.75 | Updated Date 07/8/2025 | ||
Dividends yield (FY) 2.44% | Basic EPS (TTM) 3.37 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.24% | Operating Margin (TTM) 36.23% |
Management Effectiveness
Return on Assets (TTM) 1.3% | Return on Equity (TTM) 11.8% |
Valuation
Trailing PE 12.18 | Forward PE 10.04 | Enterprise Value 260563088 | Price to Sales(TTM) 2.99 |
Enterprise Value 260563088 | Price to Sales(TTM) 2.99 | ||
Enterprise Value to Revenue 3.43 | Enterprise Value to EBITDA - | Shares Outstanding 17054900 | Shares Floating 13701943 |
Shares Outstanding 17054900 | Shares Floating 13701943 | ||
Percent Insiders 19.66 | Percent Institutions 47.73 |
Upturn AI SWOT
Capital City Bank Group
Company Overview
History and Background
Capital City Bank Group, Inc. (CCBG) was founded in 1895 in Tallahassee, Florida. It has grown organically and through acquisitions, expanding its presence in Florida, Georgia, and Alabama. The bank has focused on community banking and building long-term relationships.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending and deposit services to businesses, including commercial real estate loans, working capital lines of credit, and treasury management services.
- Retail Banking: Offers a variety of consumer banking products and services, including checking and savings accounts, mortgage loans, personal loans, and credit cards.
- Wealth Management: Provides wealth management services including financial planning, investment management, trust services, and insurance products.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure is based on regional management teams reporting to the corporate headquarters.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, providing financing for construction, acquisition, and refinancing. Market share data specific to CCBG's CRE lending is not publicly available, but it competes with other regional and national banks and credit unions. Competitors include Truist Financial (TFC), Regions Financial (RF), and Synovus Financial (SNV).
- Mortgage Loans: Residential mortgage loans offered to individuals for purchasing or refinancing homes. CCBG competes with national mortgage lenders and other regional banks. Market share data specific to CCBG's mortgage lending is not publicly available. Competitors include Bank of America (BAC), Wells Fargo (WFC), and JPMorgan Chase (JPM).
- Treasury Management Services: Services provided to businesses to manage their cash flow and financial operations. CCBG competes with larger banks offering more sophisticated treasury management solutions. Competitors include Bank of America (BAC), Wells Fargo (WFC), and JPMorgan Chase (JPM).
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory oversight, interest rate fluctuations, and economic conditions. Digital transformation and fintech disruption are reshaping the landscape.
Positioning
Capital City Bank Group is a regional bank focused on community banking and relationship building. It aims to provide personalized service and local expertise, differentiating itself from larger national banks. They are considered a more conservative bank with a local focus. They lack the scale and technology advantages of bigger firms.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast U.S. is substantial, estimated in the trillions of dollars. CCBG's positioning allows them to capture a portion of this market, focusing on small to medium-sized businesses and individual customers within its geographic footprint.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- Conservative lending practices
- Long-standing customer relationships
- Strong deposit base
Weaknesses
- Limited geographic reach compared to larger banks
- Smaller scale and resources
- Less diversified revenue streams
- Higher operating expenses relative to larger banks
- Potential technology adoption lag
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks
- Growth in wealth management services
- Increased demand for commercial lending
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn and credit quality deterioration
- Rising interest rates and margin compression
- Regulatory changes and compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- TFC
- RF
- SNV
- FITB
Competitive Landscape
CCBG's advantages include its local focus and customer relationships. Disadvantages include its smaller size and limited resources compared to larger competitors. The bank has a small share in a big pond.
Major Acquisitions
CapitalSouth Bancorp
- Year: 2016
- Acquisition Price (USD millions): 52.5
- Strategic Rationale: Expanded CCBG's presence in the Atlanta metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: CCBG's growth has been moderate, driven by organic growth and strategic acquisitions.
Future Projections: Analyst projections suggest continued moderate growth, driven by expansion in existing markets and new service offerings.
Recent Initiatives: Recent initiatives may include branch expansions, technology upgrades, and new product launches.
Summary
Capital City Bank Group is a regional bank with a strong local presence, offering community banking and wealth management services. Its strengths lie in its customer relationships and conservative practices, while its weaknesses stem from its smaller scale and limited geographic reach. The bank faces competition from larger institutions and fintech companies and needs to embrace digital transformation. Overall, the company is a solid, but not spectacular, performer in its segment.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings (10-K, 10-Q)
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on available information. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Capital City Bank Group
Exchange NASDAQ | Headquaters Tallahassee, FL, United States | ||
IPO Launch date 1997-02-03 | Chairman, President & CEO Mr. William Godfrey Smith Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 940 | Website https://www.ccbg.com |
Full time employees 940 | Website https://www.ccbg.com | ||
Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking services to individual and corporate clients. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. It also provides commercial and residential real estate lending products, as well as fixed and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans; and credit card programs. In addition, the company offers institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Further, it provides consumer banking services comprising checking accounts, savings programs, interactive/automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and online and mobile banking services. Additionally, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and various retail investment products, such as the U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care, as well as business, estate, financial, insurance and business planning, tax planning, and asset protection advisory services. Capital City Bank Group, Inc. was founded in 1895 and is headquartered in Tallahassee, Florida.
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