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Upturn AI Summary - About
Capital City Bank Group(CCBG)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CCBG
11/09/2026: CCBG (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Capital City Bank Group is a stable regional financial institution primarily serving markets in Florida and Georgia. The company distinguishes itself through a conservative underwriting culture and strong community relationships, which have historically supported a loyal deposit base. Its primary investment story centers on steady, modest growth fueled by regional economic activity and the expansion of higher-margin wealth management services. Key risks include geographic concentration, interest rate sensitivity, and intensifying competition from national and digital-only banks. This stock is best suited for value and dividend-focused investors seeking low-volatility exposure to the financial sector, with ongoing developments in digital banking and interest rate policy being critical metrics to monitor.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a slow-growth regional bank focused on stability rather than aggressive expansion. |
| Momentum investor | Mixed fit | This is a stable banking stock that typically does not exhibit the high-volatility price swings favored by momentum strategies. |
| Value investor | Strong fit | The stock often trades at reasonable valuations relative to book value and earnings, appealing to value-oriented investors. |
| Dividend investor | Strong fit | The company provides a reliable dividend stream suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | Its conservative business model and community focus make it a lower-volatility option within the financial sector. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | As a regional bank, the stock is subject to broader market trends and interest rate expectations. |
| Valuation risk | Low | The stock generally trades in line with typical regional banking valuation multiples. |
| Competition risk (Banking) | Medium / high | Aggressive competition from larger regional and national banks impacts pricing power and market share. |
| Business quality | Medium | The bank maintains a solid reputation and conservative underwriting practices. |
| Dividend income | Medium | Dividends are stable but depend on sustained earnings growth. |
| Execution risk | Low | Management has a long track record of operating within its specific geographic region. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 43.23% | Avg. Invested days 60 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 861.09M USD | Price to earnings Ratio 13.75 | 1Y Target Price 51.83 |
Price to earnings Ratio 13.75 | 1Y Target Price 51.83 | ||
Volume (30-day avg) 82.5K shares | Beta 0.34 | 52 Weeks Range 38.32 - 53.40 | Updated Date 11/08/2026 |
52 Weeks Range 38.32 - 53.40 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 2.13% | Basic EPS (TTM) 3.66 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | The primary way the bank earns profit by lending money. |
| Non-Interest Income | Trust services, service charges on deposit accounts, and wealth management fees. | Stable fee-based revenue that helps offset interest rate fluctuations. |
| Geography | Operations in Florida, Georgia, and Alabama. | The bank's health is tied to the regional economy of the Southeastern US. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-20 | When Before Market | Estimate 0.95 | Actual 0.99 |
Profitability
Profit Margin 24.91% | Operating Margin (TTM) 34.4% |
Management Effectiveness
Return on Assets (TTM) 1.44% | Return on Equity (TTM) 11.26% |
Valuation
Trailing PE 13.75 | Forward PE 10.04 | Enterprise Value 547.67M | Price to Sales(TTM) 3.42 |
Enterprise Value 547.67M | Price to Sales(TTM) 3.42 | ||
Enterprise Value to Revenue 3.8 | Enterprise Value to EBITDA - | Shares Outstanding 17.12M | Shares Floating 13.69M |
Shares Outstanding 17.12M | Shares Floating 13.69M | ||
Percent Insiders 19.97 | Percent Institutions 53.56 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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