Stocks · Financial Services · Banks - Regional
Capital City Bank Group, Inc. CCBG
$49.66 +1.76% Close, Oct 2, 2026 · NASDAQ · Market cap $849.8M
High quality
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in an uptrend: above its 200-day average for 137 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $278.3M, up 3.5% from a year earlier.
- Diluted EPS over the last four quarters was $3.60, up 5.6% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 38%
- EPS growth (TTM, YoY)Bottom 33%
- FCF growth (TTM, YoY)Bottom 33%
- Revenue growth, 3-year CAGRBottom 36%
- Revenue growth accelerationTop 43%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 48%
- Gross marginTop 6%
- Operating marginTop 29%
- Cash conversion (OCF / net income)Top 40%
- Accruals (lower is better)Top 46%
- Net debt / EBITDA (lower is better)Top 32%
- Interest coverTop 27%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 45%
- Free-cash-flow yieldTop 48%
- EBITDA / enterprise valueTop 27%
- Sales / enterprise valueTop 47%
- P/E vs own 5-year history (lower is better)Bottom 31%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 33%
- 6-month returnTop 34%
- 1-year return vs S&P 500Top 33%
- Distance from 52-week highTop 37%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 38%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyBottom 9%
- Upside to consensus price targetBottom 10%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 37%
- Maximum drawdown, 3 yearsTop 23%
- Beta vs S&P 500 (lower is better)Top 40%
- Net debt / EBITDA (lower is better)Top 32%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 3.2% | 3.5% | ↑ |
| EPS growth (YoY) | 5.1% | 5.6% | ↑ |
| Gross margin | 86.0% | 90.2% | ↑ |
| Operating margin | 27.9% | 30.0% | ↑ |
| FCF margin | 25.9% | 25.1% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.5% | 3.2% | ↑ | Bottom 38% |
| EPS growth (TTM, YoY) | 5.6% | 5.1% | ↑ | Bottom 33% |
| Gross margin | 90.2% | 86.0% | ↑ | Top 6% |
| Operating margin | 30.0% | 27.9% | ↑ | Top 29% |
| Net margin | 22.2% | 21.6% | ↑ | — |
| Free-cash-flow margin | 25.1% | 25.9% | ↓ | — |
| Return on invested capital | 1.4% | — | Top 48% | |
| Revenue growth, 3-year CAGR | 11.7% | — | Bottom 36% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.29×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.15×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 2.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.13%
- Net buyback yield (TTM)
- 0.16%
- Shareholder yield
- 2.29%
- Share count change, 1 year
- +0.2%
- Share count change, 3-year CAGR
- +0.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 29, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +2.6%
- Average 2-day reaction, last 8
- -0.2%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $49.50
- Target vs current price
- -0.3%
- Analysts with a rating
- 7
- Share rating Buy or Strong Buy
- 14%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | +5.2% | +3.8% | +4.3% | +4.1% | — |
| Apr 20, 2026 | +8.2% | +0.1% | -1.5% | -2.9% | +6.2% |
| Jan 27, 2026 | -10.1% | -5.1% | -4.7% | -5.6% | +1.9% |
| Oct 21, 2025 | +7.3% | -2.0% | -1.6% | -3.7% | +9.1% |
| Jul 22, 2025 | +11.8% | -3.0% | -3.5% | -3.1% | +1.4% |
| Apr 21, 2025 | +33.8% | +3.7% | +5.7% | +12.2% | +19.8% |
| Jan 28, 2025 | +5.5% | -0.8% | -0.2% | -2.3% | -0.7% |
| Oct 22, 2024 | +1.3% | +2.0% | +3.2% | +10.5% | +4.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $0.95 | $0.90 | +5.2% | $63.9M |
| Apr 20, 2026 | $0.92 | $0.85 | +8.2% | $84.9M |
| Jan 27, 2026 | $0.80 | $0.89 | -10.1% | $84.7M |
| Oct 21, 2025 | $0.93 | $0.87 | +7.3% | $63.4M |
| Jul 22, 2025 | $0.88 | $0.79 | +11.8% | $60.7M |
| Apr 21, 2025 | $0.99 | $0.74 | +33.8% | $59.0M |
| Jan 28, 2025 | $0.77 | $0.73 | +5.5% | $59.9M |
| Oct 22, 2024 | $0.78 | $0.77 | +1.3% | $57.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.8× | 11.6× | 76th | Top 45% |
| P/E (forward) | 13.3× | — | — | — |
| EV / EBITDA | 9.7× | — | — | Top 27% |
| EV / Sales | 3.10× | — | — | Top 47% |
| Free-cash-flow yield | 8.24% | — | — | Top 48% |
| Earnings yield | 7.25% | — | — | Top 45% |
P/E over the past five years
Range 9.1× – 19.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +18.9%
- Earnings per share growth (TTM)
- +5.6%
- Change in P/E multiple
- +25.5%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 137
- 50-day average slope (20 days)
- +0.1%
- 200-day average slope (20 days)
- +1.7%
- Distance from 50-day average
- -2.7%
- Distance from 200-day average
- +6.6%
- RSI (14)
- 47.1
- Relative volume
- 0.68×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.4%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.59
- Correlation with S&P 500
- 0.41
- Current drawdown from 1-year high
- -6.0%
- Maximum drawdown, 3 years
- -17.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 3, 2023 | Apr 16, 2024 | -29.3% | 281 days | 142 days (Nov 6, 2024) |
| Mar 12, 2021 | Sep 21, 2021 | -22.6% | 133 days | 45 days (Nov 23, 2021) |
| Jan 6, 2021 | Jan 27, 2021 | -19.0% | 14 days | 25 days (Mar 4, 2021) |
| Dec 2, 2024 | Apr 14, 2025 | -16.9% | 90 days | 53 days (Jul 1, 2025) |
| Nov 23, 2021 | Apr 7, 2022 | -15.2% | 93 days | 67 days (Jul 15, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $849.8M
- P/E (TTM)
- 13.8
- EPS, diluted (TTM)
- $3.60
- Revenue (TTM)
- $278.3M
- Dividend yield
- 2.15%
- 52-week range
- $38.27 – $53.60
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $207.3M | $200.6M | $245.7M | $262.2M | $279.3M |
| Gross profit | $205.4M | $186.2M | $213.9M | $222.5M | $243.3M |
| Operating income | $49.5M | $41.1M | $63.9M | $65.6M | $83.7M |
| Net income | $33.4M | $33.4M | $52.3M | $52.9M | $61.6M |
| EPS (diluted) | $1.98 | $1.97 | $3.07 | $3.12 | $3.60 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $66.6M | $66.1M | $67.2M | $69.0M | $71.3M | $71.8M | $62.8M | $72.4M |
| Net income | $13.1M | $13.1M | $16.9M | $15.0M | $15.9M | $13.7M | $15.8M | $16.3M |
| EPS (diluted) | $0.77 | $0.77 | $0.99 | $0.88 | $0.93 | $0.80 | $0.92 | $0.95 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $122.2M | $92.7M | $54.8M | $63.6M | $87.6M |
| Capital expenditure | -$5.2M | -$6.3M | -$7.0M | -$8.7M | -$7.6M |
| Free cash flow | $117.0M | $86.4M | $47.7M | $54.9M | $80.0M |
| Dividends paid | -$10.5M | -$11.2M | -$12.9M | -$14.9M | -$17.1M |
| Net share buybacks | $1.0M | $1.3M | -$2.8M | -$829,000 | $1.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $67.1M
- Total assets
- $4.45B
- Total liabilities
- $3.88B
- Total debt
- $80.8M
- Net debt
- $13.7M
- Shareholders’ equity
- $570.1M
As of Jun 30, 2026 (filed Jul 29, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 8, 2026 | $0.27 | Sep 22, 2026 |
| Jun 1, 2026 | $0.27 | Jun 15, 2026 |
| Mar 9, 2026 | $0.27 | Mar 23, 2026 |
| Dec 1, 2025 | $0.26 | Dec 15, 2025 |
| Sep 8, 2025 | $0.26 | Sep 22, 2025 |
| Jun 9, 2025 | $0.24 | Jun 23, 2025 |
| Mar 10, 2025 | $0.24 | Mar 24, 2025 |
| Dec 9, 2024 | $0.23 | Dec 23, 2024 |
Short interest
- Shares sold short
- 603,877
- Days to cover
- 9.29
- Change vs previous report
- +7.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 5, 2005
- 5-for-4
- Jun 16, 2003
- 5-for-4
- Jun 2, 1998
- 3-for-2
- Apr 2, 1997
- 2-for-1