Scan Results
Daily timeframeCapital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking services to individual and corporate clients. The $780.2M market capitalization puts CCBG squarely in small-cap range for its industry. 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.
Market Cap
$780.2M
Beta
0.34
P/E (TTM)
12.78
P/E (Fwd)
12.56
EPS (TTM)
$3.57
EPS (Fwd)
$3.63
ROE
11.3%
ROA
1.4%
Cash
$489.1M
Total Debt
$93.6M
Free CF
—
52W Change
19.2%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $489.1M in cash comfortably exceeding the $93.6M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. ROE of 11.3% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.4% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $193.7M (2022) to $244.4M (2025), reflecting a 26% increase over the period.
CCBG's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. With cash comfortably exceeding debt, CCBG has financial flexibility that may help navigate uncertain periods. No single metric tells the full story. Reviewing CCBG's risk profile alongside its fundamentals and technical indicators provides a more complete picture.