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Upturn AI SWOT - About
CCBG 
Capital City Bank Group (CCBG)
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Upturn Advisory Summary
09/15/2025: 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 $44.5
1 Year Target Price $44.5
| 1 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 25.89% | Avg. Invested days 59 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 738.64M USD | Price to earnings Ratio 12.69 | 1Y Target Price 44.5 |
Price to earnings Ratio 12.69 | 1Y Target Price 44.5 | ||
Volume (30-day avg) 3 | Beta 0.41 | 52 Weeks Range 31.98 - 44.42 | Updated Date 09/15/2025 |
52 Weeks Range 31.98 - 44.42 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 2.15% | Basic EPS (TTM) 3.41 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.12% | Operating Margin (TTM) 32.02% |
Management Effectiveness
Return on Assets (TTM) 1.34% | Return on Equity (TTM) 11.68% |
Valuation
Trailing PE 12.69 | Forward PE 10.04 | Enterprise Value 367096608 | Price to Sales(TTM) 3.07 |
Enterprise Value 367096608 | Price to Sales(TTM) 3.07 | ||
Enterprise Value to Revenue 3.48 | Enterprise Value to EBITDA - | Shares Outstanding 17066500 | Shares Floating 13698435 |
Shares Outstanding 17066500 | Shares Floating 13698435 | ||
Percent Insiders 19.67 | Percent Institutions 48.36 |
Upturn AI SWOT
Capital City Bank Group
Company Overview
History and Background
Capital City Bank Group was founded in 1894. It has grown organically and through strategic acquisitions to become a leading regional bank in the Southeast.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products tailored to businesses, including commercial real estate loans, lines of credit, and treasury management services.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers investment advisory, trust, and financial planning services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a regional bank, with divisions for commercial banking, retail banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers financing for commercial real estate projects. Market share data is unavailable on the local level. Competitors include other regional and national banks, such as Truist (TFC) and Bank of America (BAC).
- Mortgages: Provides mortgage loans for residential properties. Market share data is unavailable at the national level. Competitors include other regional banks and national mortgage lenders, such as Wells Fargo (WFC) and Rocket Mortgage (RKT).
- Treasury Management Services: Offers cash management solutions for businesses. Market share data unavailable. Competitors include other regional and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Capital City Bank Group is a well-established regional bank with a strong presence in its target markets. Its competitive advantages include its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast is estimated to be billions of dollars. CCBG is positioned to capture a share of this market through its branch network and digital offerings.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on traditional banking model
- Technology development resources
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Growth in wealth management services
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- TFC
- BAC
- PNC
- Regions Financial Corporation (RF)
Competitive Landscape
Capital City Bank Group faces competition from larger national banks and smaller regional banks. Its advantages include its local market knowledge and customer service. Disadvantages include scale and limited technology investment.
Major Acquisitions
Capital City Insurance
- Year: 2006
- Acquisition Price (USD millions): 16.1
- Strategic Rationale: Expanded service offerings into insurance and wealth management.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are dependent on financial metrics.
Future Projections: Future projections are dependent on financial metrics.
Recent Initiatives: Recent strategic initiatives include investments in digital banking and expansion into new markets.
Summary
Capital City Bank Group is a regional bank with a strong local presence but faces challenges from larger competitors and fintech companies. Its strengths lie in its customer relationships and local market knowledge. It needs to invest in technology and expand its geographic reach to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Yahoo Finance
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change rapidly.
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 & 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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