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Upturn AI SWOT - About
CCBG 
Capital City Bank Group (CCBG)
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Upturn Advisory Summary
11/05/2025: CCBG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $45.33
1 Year Target Price $45.33
| 1 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 18.89% | Avg. Invested days 63 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 677.80M USD | Price to earnings Ratio 11.12 | 1Y Target Price 45.33 |
Price to earnings Ratio 11.12 | 1Y Target Price 45.33 | ||
Volume (30-day avg) 3 | Beta 0.39 | 52 Weeks Range 31.98 - 44.58 | Updated Date 11/6/2025 |
52 Weeks Range 31.98 - 44.58 | Updated Date 11/6/2025 | ||
Dividends yield (FY) 2.41% | Basic EPS (TTM) 3.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-28 | When Before Market | Estimate 0.87 | Actual 0.93 |
Profitability
Profit Margin 24.73% | Operating Margin (TTM) 32.95% |
Management Effectiveness
Return on Assets (TTM) 1.43% | Return on Equity (TTM) 12% |
Valuation
Trailing PE 11.12 | Forward PE 10.04 | Enterprise Value 319081056 | Price to Sales(TTM) 2.75 |
Enterprise Value 319081056 | Price to Sales(TTM) 2.75 | ||
Enterprise Value to Revenue 3.37 | Enterprise Value to EBITDA - | Shares Outstanding 17068825 | Shares Floating 13699780 |
Shares Outstanding 17068825 | Shares Floating 13699780 | ||
Percent Insiders 19.67 | Percent Institutions 48.14 |
Upturn AI SWOT
Capital City Bank Group
Company Overview
History and Background
Capital City Bank Group, Inc. was founded in 1895 and is headquartered in Tallahassee, Florida. It has grown through acquisitions and organic expansion, focusing on community banking services in Florida, Georgia, and Alabama.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and business checking accounts.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers investment management, trust, and financial planning services to individuals and families.
Leadership and Structure
The company's leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a regional bank, with departments focused on lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers commercial real estate loans to businesses for purchasing or refinancing properties. No specific market share data available. Competitors include Synovus Financial Corp. (SNV) and Ameris Bancorp (ABCB).
- Mortgage Loans: Provides mortgage loans to individuals for purchasing homes. Market share data not readily available. Competitors include Bank of America (BAC) and Wells Fargo (WFC).
- Business Checking Accounts: Offers business checking accounts. Market share data not readily available. Competitors include Bank of America (BAC) and Wells Fargo (WFC).
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Regional banks are focused on maintaining asset quality and managing expenses.
Positioning
Capital City Bank Group is positioned as a community bank focused on providing personalized service to its customers in its target markets. Its competitive advantage lies in its local market knowledge and relationships.
Total Addressable Market (TAM)
The TAM for banking services in Capital City Bank Group's geographic footprint is estimated to be in the billions of dollars. The company is positioned to capture a portion of this TAM through its branch network and online banking platform.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Well-diversified loan portfolio
- Solid capital base
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on traditional banking channels
- Lower brand recognition compared to national banks
- Potential for interest rate risk
Opportunities
- Expansion into new markets within its geographic footprint
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Potential for acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and inflation
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- SNV
- ABCB
- FHN
- PBCT
Competitive Landscape
CCBG competes primarily with regional and national banks. Its advantages include its local market knowledge and customer relationships. Its disadvantages include its smaller size and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Analyst projections are not available but generally follow a conservative path of single digit growth.
Recent Initiatives: Focus on digital banking enhancements and expansion of wealth management services.
Summary
Capital City Bank Group is a regional bank with a focus on community banking in the southeastern United States. It has a strong track record of growth through acquisitions and organic expansion. Key challenges include competition from larger banks and fintech companies. It is well placed to provide banking services to its communities.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website, SEC filings, Market data providers.
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is subject to change.
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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