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1. Company Snapshot

1.a. Company Description

Capital City Bank Group, Inc.operates as the financial holding company for Capital City Bank that provides a range of banking and banking-related 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 securities 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 of December 31, 2021, it operated through 57 banking offices and 86 ATMs/ITMs in Florida, Georgia, and Alabama.The company was founded in 1895 and is headquartered in Tallahassee, Florida.

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1.b. Last Insights on CCBG

Capital City Bank Group's recent performance was driven by strong earnings and revenue beats, with net income attributable to common shareowners increasing to $16.9 million, or $0.99 per diluted share, in the first quarter of 2025. The company's deposit growth exceeded expectations, with a notable increase in deposits in Florida and Georgia, driven by the local economies. Additionally, the bank announced a quarterly cash dividend of $0.24 per share, representing an annualized rate of $0.96 per common share. Furthermore, the company's leadership transition, with Bethany Corum becoming President of Capital City Bank and Thomas Barron taking on the role of President of Capital City Bank Group and Chairman of the Capital City Bank Board, is expected to bring new perspectives and strategies to the organization.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Capital City Bank Group (NASDAQ:CCBG) versus Eagle Financial Services (NASDAQ:EFSI) Financial Contrast

Dec -04

Source: defenseworld.net

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Capital City Bank Rises in American Banker's “Best Banks to Work For” List

Nov -18

Source: globenewswire.com

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Verizon Business Powers Next-Generation Broadcasts for Monumental Sports & Entertainment

Nov -13

Source: globenewswire.com

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Florida's Capital City Bank Group Appears Back On Track For Growth

Oct -27

Source: seekingalpha.com

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Capital City Trust Co. FL Has $11.72 Million Stake in Amazon.com, Inc. $AMZN

Oct -22

Source: defenseworld.net

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Capital City Bank (CCBG) Beats Q3 Earnings and Revenue Estimates

Oct -21

Source: zacks.com

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Capital City Bank Group, Inc. to Announce Quarterly Earnings Results on Tuesday, October 21, 2025

Oct -14

Source: globenewswire.com

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Capital City Bank Group, Inc. to Announce Quarterly Earnings Results on Tuesday, October 21, 2025

Oct -14

Source: globenewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (3.00%)

6. Segments

Banking and Wealth Management

Expected Growth: 3.0%

Capital City Bank Group's 3.0% growth in Banking and Wealth Management is driven by strategic acquisitions, expanded commercial lending, and increased fee income from treasury management services. Additionally, the segment benefits from a strong brand presence, diversified revenue streams, and a growing wealth management business, which contributes to the overall growth momentum.

7. Detailed Products

Personal Banking

Capital City Bank Group, Inc. offers a range of personal banking services, including checking and savings accounts, credit cards, loans, and investment products.

Business Banking

The company provides business banking services, including commercial loans, cash management, and treasury management solutions.

Wealth Management

Capital City Bank Group, Inc. offers wealth management services, including investment management, trust services, and financial planning.

Mortgage Lending

The company provides mortgage lending services, including residential and commercial mortgage loans.

Insurance Services

Capital City Bank Group, Inc. offers insurance services, including life insurance, long-term care insurance, and annuities.

Treasury Management

The company provides treasury management services, including cash management, fraud prevention, and account management.

8. Capital City Bank Group, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Capital City Bank Group, Inc. is medium due to the presence of alternative financial institutions and digital payment systems.

Bargaining Power Of Customers

The bargaining power of customers is low due to the lack of concentration of buyers in the market and the high switching costs.

Bargaining Power Of Suppliers

The bargaining power of suppliers is medium due to the presence of multiple suppliers and the moderate level of differentiation in the industry.

Threat Of New Entrants

The threat of new entrants is high due to the low barriers to entry and the attractiveness of the market.

Intensity Of Rivalry

The intensity of rivalry is high due to the high level of competition and the presence of multiple players in the market.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 16.99%
Debt Cost 4.32%
Equity Weight 83.01%
Equity Cost 6.63%
WACC 6.24%
Leverage 20.46%

11. Quality Control: Capital City Bank Group, Inc. passed 5 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
Capital City Bank

A-Score: 7.1/10

Value: 6.4

Growth: 5.9

Quality: 7.8

Yield: 6.0

Momentum: 8.5

Volatility: 8.0

1-Year Total Return ->

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Stock-Card
Franklin Financial

A-Score: 7.0/10

Value: 6.3

Growth: 4.9

Quality: 5.8

Yield: 7.0

Momentum: 9.5

Volatility: 8.7

1-Year Total Return ->

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Stock-Card
WaFed

A-Score: 6.0/10

Value: 5.9

Growth: 6.8

Quality: 5.6

Yield: 7.0

Momentum: 2.5

Volatility: 8.0

1-Year Total Return ->

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Stock-Card
BankUnited

A-Score: 5.9/10

Value: 6.7

Growth: 5.8

Quality: 4.8

Yield: 6.0

Momentum: 5.5

Volatility: 6.3

1-Year Total Return ->

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Stock-Card
Coastal Financial

A-Score: 5.7/10

Value: 3.2

Growth: 9.6

Quality: 6.6

Yield: 0.0

Momentum: 10.0

Volatility: 5.0

1-Year Total Return ->

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Stock-Card
Merchants Bank

A-Score: 4.9/10

Value: 8.2

Growth: 6.6

Quality: 5.0

Yield: 2.0

Momentum: 1.5

Volatility: 6.0

1-Year Total Return ->

View Full Report

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

41.79$

Current Price

41.79$

Potential

-0.00%

Expected Cash-Flows