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Upturn AI SWOT - About
CCBG 
Capital City Bank Group (CCBG)
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Upturn Advisory Summary
03/27/2025: CCBG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 6.26% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 611.40M USD | Price to earnings Ratio 11.49 | 1Y Target Price 43.17 |
Price to earnings Ratio 11.49 | 1Y Target Price 43.17 | ||
Volume (30-day avg) 23956 | Beta 0.56 | 52 Weeks Range 24.88 - 40.35 | Updated Date 03/30/2025 |
52 Weeks Range 24.88 - 40.35 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 2.68% | Basic EPS (TTM) 3.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.92% | Operating Margin (TTM) 29.38% |
Management Effectiveness
Return on Assets (TTM) 1.2% | Return on Equity (TTM) 11.04% |
Valuation
Trailing PE 11.49 | Forward PE 10.04 | Enterprise Value 321651904 | Price to Sales(TTM) 2.65 |
Enterprise Value 321651904 | Price to Sales(TTM) 2.65 | ||
Enterprise Value to Revenue 2.95 | Enterprise Value to EBITDA - | Shares Outstanding 17054300 | Shares Floating 13703306 |
Shares Outstanding 17054300 | Shares Floating 13703306 | ||
Percent Insiders 19.65 | Percent Institutions 48.28 |
Analyst Ratings
Rating 4 | Target Price 42.33 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Capital City Bank Group
Company Overview
History and Background
Capital City Bank Group, Inc. (CCBG) was founded in 1895 in Tallahassee, Florida. It has grown organically and through acquisitions to become a regional bank with a strong presence in Florida, Georgia, and Alabama.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, deposit accounts, and treasury management services to businesses of all sizes.
- Retail Banking: Provides personal banking services including checking and savings accounts, mortgages, auto loans, and credit cards.
- Wealth Management: Offers investment management, trust services, and financial planning to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments responsible for different aspects of banking operations, such as lending, credit, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant portion of CCBG's lending portfolio. Market share data is not publicly available in a precise form. Competitors include regional and national banks such as Truist Financial Corporation (TFC) and Bank of America (BAC). The competition is based on interest rates, terms, and relationship banking capabilities.
- Residential Mortgages: CCBG offers various mortgage products to homebuyers. Market share data is not publicly available in a precise form. Key competitors include national mortgage lenders such as Rocket Mortgage (RKT) and Wells Fargo (WFC). Competition is based on interest rates and closing costs.
- Deposit Accounts: Includes checking, savings, and money market accounts for consumers and businesses. Market share data is not publicly available in a precise form. Competitors include regional and national banks, as well as online banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating a changing interest rate environment, increased regulatory scrutiny, and growing competition from fintech companies.
Positioning
Capital City Bank Group is a regional bank that focuses on building strong customer relationships and providing personalized service. Its competitive advantages include its local market knowledge and its commitment to community involvement.
Total Addressable Market (TAM)
The TAM for banking services in CCBG's footprint (Florida, Georgia, Alabama) is estimated in the billions. CCBG is positioned to capture a share of this TAM through its branch network and online presence, but market share data is not publicly available in a precise form.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Solid financial performance
- Customer-focused approach
- Diverse product offerings
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Reliance on traditional banking channels
- Potential for margin compression
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Growth in wealth management business
- Increased demand for digital banking services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- TFC
- BAC
- Regions Financial Corporation (RF)
Competitive Landscape
CCBG faces stiff competition from larger national and regional banks with greater resources and broader product offerings. Its advantages lie in its local market knowledge and customer service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Data to be populated with real numbers. Using placeholder here.
Future Projections: Data to be populated with real numbers. Using placeholder here.
Recent Initiatives: Focus on digital transformation, expansion of wealth management services, and organic growth within existing markets.
Summary
Capital City Bank Group is a stable regional bank with a strong local presence. While it faces competition from larger institutions and fintech companies, its focus on customer relationships and community involvement positions it for continued growth. Opportunities exist in digital banking and wealth management. However, the bank needs to monitor the impact of rising interest rates and economic uncertainty.
Similar Companies
- IBOC
- FFBC
- HFWA
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is based on general estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Capital City Bank Group
Exchange NASDAQ | Headquaters Tallahassee, FL, United States | ||
IPO Launch date 1997-02-03 | Chairman, President & CEO Mr. William Godfrey Smith Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 940 | Website https://www.ccbg.com |
Full time employees 940 | Website https://www.ccbg.com | ||
Capital 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 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 investment 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 well as business, estate, financial, insurance and business planning, tax planning, and asset protection advisory services. Capital City Bank Group, Inc. was founded in 1895 and is headquartered in Tallahassee, Florida.
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