Capital City Bank Group Common Stock (CCBG)

FairStock Score: 55/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a bank, Capital City Bank Group earns its keep from spread lending and fees; I look at book value, returns on equity and credit risk, not free cash flow. In fiscal 2025, the year ended 2025-12-31, it reported net income of $61.6M and diluted EPS of $3.60, up from $52.9M and $3.12 in fiscal 2024 and $52.3M and $3.07 in fiscal 2023. That is respectable, if unspectacular, growth. The latest filed quarter, fiscal Q1 2026 ended 2026-03-31, showed net income of $15.8M and diluted EPS of $0.92, down from $16.9M and $0.99 in fiscal Q1 2025 ended 2025-03-31, so momentum is not linear. FairStock's Lynch label is STALWART—steady growth, with its stated reason of profit about 14.3% a year over five years—which fits a small regional bank with local relationships. The moat is modest: switching costs and local market knowledge, but no wide competitive protection. At the 2026-10-13 close of $48.17, FairStock calculates a P/E of 13.38, P/B of 1.45, ROE of 11.26%, PEG of 1.63, dividend yield of 2.24%, and Piotroski F-Score of 4/9. A 1.45 times book for an 11% ROE is fair, not a bargain. The beta of 0.38 suggests lower volatility, and the 52-week range of $38.27-$53.60 shows the price is near the upper half. The data lacks CET1, net interest margin and combined ratio, so I cannot judge capital adequacy, spread profitability or underwriting risk. Credit quality and leverage are the real unknowns. The FairStock Score of 55/100 captures this: a solid, steady bank, but not an exceptional one. A lower price or clearer credit metrics would make the case more compelling.

In plain English: Capital City Bank Group is a regional bank that serves individuals and businesses in its local markets. Profits have been mostly stable, and the company pays a modest dividend, but recent quarterly earnings dipped from a year earlier. At the October 13, 2026 close, the stock looks roughly fair to modestly cheap compared with its profits and the value of its assets, not a deep bargain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · fiscal Q1 2025 10-Q (period ended 2025-03-31) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer