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what it is
It is a Florida bank that takes deposits, makes loans, and runs trust services.
how it gets paid
Last year Capital City Bank made $204M in revenue. Net interest income was the main engine at $145M, or 71% of sales.
why it's growing
Revenue grew 5.0% last year. The $153M quarter mattered because it was 75% of the $204M full-year revenue base.
what just happened
The latest quarter printed $153M of revenue, up 197% vs. prior year.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
85/100 earnings predictability — you can trust these numbers
12.5x trailing p/e — the market's not buying it — or you found a deal
2.6% dividend yield — cash in your pocket every quarter
$3.12 fy2024 eps est
xvary composite: 69/100 — average
What they do
It is a Florida bank that takes deposits, makes loans, and runs trust services.
You are buying a Florida bank with $4.32B in assets and 969 employees. That is a small staff guarding a very large pile of customer money. Deposits (customer cash the bank lends back out) make leaving painful because your accounts, cards, and loans have to move too.
How they make money
$204M
annual revenue · their business grew +5.0% last year
Net interest income
$145M
+4.0%
Service charges and fees
$27M
+3.0%
Trust and asset management
$17M
+6.0%
Other noninterest income
$15M
+2.0%
The products that matter
business loans and banking services
Commercial Banking
~80% of revenue
It generated roughly 80% of the bank's $204M in total revenue last year. That is the core earnings engine.
main engine
retail deposits and consumer accounts
Consumer Banking
funds $5.3B in assets
It provides the deposit base that supports $5.3B in total assets. For a regional bank, cheap and sticky funding is not a side detail — it is survival.
funding base
investment and trust services
Wealth Management
~20% of revenue
This fee-based line contributed roughly 20% of total revenue last year. It helps diversify the bank away from pure rate sensitivity, just not enough to change the whole story.
fee income
Key numbers
$4.32B
assets
This is the balance sheet behind the stock. Bigger assets mean more room for loans.
12.5x
price vs earnings
Price vs last-year earnings means what you pay for one year of profit. 12.5x is cheap only if earnings hold.
2.6%
dividend yield
You collect $2.60 a year per $100 invested. That is cash while you wait.
0.85
market wiggle
Beta means market wiggle. 0.85 means the stock has moved less than the market.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 2 — safer than 80% of stocks
- price stability 80 / 100
- long-term debt $53M (7% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for CCBG right now.
source: institutional data · return history unavailable
What just happened
beat estimates
The latest quarter printed $153M of revenue, up 197% vs. prior year.
Revenue was $153M in the latest quarter, versus $204M for the full year. EPS was $2.80, up 201% from a year earlier.
$52M
revenue
$2.80
eps
n/a
n/a
the number that mattered
The $153M quarter mattered because it was 75% of the $204M full-year revenue base.
source: EDGAR and, 2025
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What could go wrong
the #1 risk is Florida real estate exposure inside a small regional loan book.
high
Florida real estate concentration
This is a Florida-focused bank. If local property values weaken, credit losses can rise fast for a lender without national diversification to dilute the damage.
A 10% increase in provision expense could reduce net income by about 15%.
med
Net interest margin compression
The core spread between loan yields and deposit costs is the story. If deposit pricing stays competitive while loan yields stall, earnings pressure shows up quickly.
A 10 basis point contraction in net interest margin would cut annual net interest income by roughly $5M, or about 3%.
med
Single-state economic exposure
Operations are concentrated in one state. A Florida-specific shock — real estate weakness, a tourism slowdown, or a severe weather event — would hit loan demand and fee income at the same time.
With $5.3B in assets tied to the same geographic footprint, concentration is the risk, not the footnote.
If credit costs rise and the spread narrows at the same time, a bank trading at 12.5x earnings can stop looking cheap very quickly.
source: institutional data · regulatory filings · risk analysis
Pay attention to
trend
net interest margin trend
Net interest income was $164M last year, about 80% of revenue. If that spread starts shrinking, the income story becomes a math problem.
calendar
annual shareholder meeting
The annual meeting is scheduled for April 21, 2026, per the 2025 proxy. For a dividend-first bank, capital allocation language matters more than theater.
metric
next dividend declaration
The streak stands at 9 hikes in 5 years. If management pauses that pattern, the stock loses one of its cleanest reasons to own it.
risk
10-k credit read-through
The 2026 10-K was filed on February 27, 2026. Read it for provision expense, loan quality language, and any change in Florida real estate exposure.
Analyst rankings
earnings predictability
85 / 100
Management tends to deliver steady numbers. In human-speak: analysts see this as one of the more reliable small regional bank earnings profiles.
risk rank
2
This stock is rated safer than 80% of stocks in the dataset. Translation: the balance sheet is not the first place you look for trouble.
price stability
80 / 100
The shares have been relatively steady for a small-cap bank. That fits the broader pattern: income stock first, excitement stock never.
source: institutional data
Institutional activity
institutional ownership data for CCBG is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$45
current price
n/a
target midpoint · n/a from current
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