Net interest margin trajectory - spread compression/expansion drives 75%+ of revenue
Loan growth rates in commercial real estate and C&I portfolios within Florida Panhandle markets
Credit quality metrics - non-performing loan ratios and provision expense in regional commercial portfolios
Deposit beta and funding cost management as Fed policy shifts
moderate-to-high - Regional banks are highly sensitive to local economic conditions. CCBG's Florida/Georgia/Alabama footprint ties performance to regional employment, real estate activity, and small business health. Commercial real estate lending creates cyclical exposure to property values and development activity. Consumer loan demand correlates with regional job growth and confidence. However, diversified loan portfolio and stable deposit franchise provide some downside protection.
High positive sensitivity to rising short-term rates through 2024-2025 rate hiking cycle expanded net interest margins significantly. As of February 2026, with Fed potentially in easing mode or holding steady, further rate cuts would compress NIM as loan yields reprice faster than deposit costs decline. Asset-sensitive balance sheet means falling rates are negative for earnings. Duration of securities portfolio and loan repricing characteristics determine magnitude of rate sensitivity.
Digital banking disruption - fintech competitors and national banks with superior technology platforms erode deposit franchise and customer relationships in community markets
Branch network obsolescence - fixed cost of 60-branch footprint becomes liability as customers shift to digital channels, requiring expensive technology investments without corresponding scale
Regulatory burden - compliance costs disproportionately impact sub-$10B banks without scale economies, compressing margins and limiting competitiveness
value - Regional banks at 1.3x P/B and 2.6x P/S attract value investors seeking below-market multiples with dividend income (estimated 3-4% yield based on typical regional bank payouts). 11.5% ROE is below peer average, suggesting operational improvement opportunity. 15% stock appreciation over past year indicates some momentum, but primarily appeals to investors seeking regional bank exposure with M&A optionality given sub-$1B market cap makes CCBG digestible acquisition target.
Trend
+5.1% vs SMA 50 · +8.2% vs SMA 200
Momentum
Distribution pattern detected. More selling days than accumulation over the past 20 sessions. Not a conducive environment for a squeeze.
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
ANALYST ESTIMATES
Analyst consensus estimates · Actuals replace estimates as reported
| Year | Revenue Est. | Rev Gth | EPS Est. | EPS Gth | Range | Analysts |
|---|---|---|---|---|---|---|
FY2023 | $221.1M $220.8M–$221.4M | — | $3.01 | — | ±0% | Low1 |
FY2024 | $234.4M $234.1M–$234.7M | ▲ +6.0% | $3.08 | ▲ +2.1% | ±0% | Low2 |
FY2025 | $254.6M $254.2M–$254.9M | ▲ +8.6% | $3.69 | ▲ +19.9% | ±0% | Low2 |
Dividend per payment — last 8 periods
INSTITUTIONAL OWNERSHIP
CCBG News
About
about capital city bank group, inc. capital city bank group, inc. (nasdaq:ccbg) is one of the largest publicly traded financial holding companies headquartered in florida and has approximately $2.8 billion in assets. we provide a full range of banking services, including traditional deposit and credit services, mortgage banking, asset management, trust, merchant services, bankcards, data processing and securities brokerage services. our bank subsidiary, capital city bank, was founded in 1895 and now has 60 banking offices and 71 atms in florida, georgia and alabama. for more information about capital city bank group, inc., visit www.ccbg.com. member fdic equal housing lender equal opportunity employer
| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
CCBG◀ | $45.46 | +0.00% | $777M | — | — | — | 1500 |
| $297.81 | -0.70% | $798.0B | 14.1 | — | — | 1501 | |
| $325.75 | +1.00% | $624.4B | 28.0 | +1134.0% | 5014.5% | 1501 | |
| $494.20 | +0.87% | $436.7B | 28.3 | +1641.6% | 4564.7% | 1492 | |
| $49.77 | +0.00% | $353.2B | — | -45.1% | — | 1496 | |
| $192.51 | -1.04% | $303.6B | 16.6 | +1147.7% | 1466.4% | 1528 | |
| $948.47 | -2.11% | $279.8B | 15.9 | -138.4% | 1373.0% | 1524 | |
| Sector avg | — | -0.28% | — | 20.6 | +748.0% | 3104.6% | 1506 |