CAPITAL CITY BANK GROUP INC(CCBG)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
CCBG Stock Analysis & AI Quality Score
AI stock analysis and institutional research for CAPITAL CITY BANK GROUP INC (CCBG), a Financials sector company. CCBG is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), CAPITAL CITY BANK GROUP INC reports quarterly revenue of $62.8M, net income of $15.8M, an operating margin of 32.9%. Top institutional holders of CCBG by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. CCBG trades on the Nasdaq exchange and files with the SEC under CIK 726601. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CCBG daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CAPITAL CITY BANK GROUP INC directly from SEC EDGAR.
Revenue
Q1 2026
$62.8M
Net Income
Q1 2026
$15.8M
Free Cash Flow
Q1 2026
$14.7M
Operating Margin
Q1 2026
32.9%
D/E Ratio
Q1 2026
0.06
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+1.3% YoYEPS (Diluted)
+1.6% YoYTotal Assets
+0.5% YoYTotal Debt
-20.6% YoYOp. Cash Flow
+16.0% YoY| Metric | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2019 | FY 2017 |
|---|---|---|---|---|---|---|
| Net Income | $52.9M +1.3% | $52.3M +56.4% | $33.4M +0.0% | $33.4M +8.4% | $30.8M +183.6% | $10.9M |
| EPS (Diluted) | $3.12 +1.6% | $3.07 +55.8% | $1.97 -0.5% | $1.98 +8.2% | $1.83 +185.9% | $0.64 |
| Total Assets | $4.32B +0.5% | $4.30B -4.8% | $4.52B +6.0% | $4.26B +38.0% | $3.09B +6.6% | $2.90B |
| Total Debt | $28.3M -20.6% | $35.7M -37.8% | $57.3M +61.7% | $35.4M +174.4% | $12.9M -39.8% | $21.4M |
| Operating Cash Flow | $63.6M +16.0% | $54.8M -40.9% | $92.7M -20.0% | $115.9M +115.9% | $53.7M +38.5% | $38.8M |
AI Insight: CCBG Financial Trends
CCBG's equity grew 21% over eight quarters to $560M, but net income remained flat around $14-17M despite volatile operating cash flows.
• Equity increased steadily from $461M in Q2 2024 to $560M in Q1 2026, representing 21% growth.
• Net income fluctuated between $13M-$17M across eight quarters with no clear directional trend.
• Total debt decreased from $50M in Q4 2025 to $33M in Q1 2026, down 34%.
⚠ Operating cash flow remains highly volatile, ranging from $11M to $33M quarter-over-quarter.
⚠ Net income stagnation despite growing equity base suggests declining return on equity.
AI Insight: CCBG Ratio Trends
CCBG's profitability remains volatile with ROE declining from 13.2% in Q1 2025 to 11.3% in Q1 2026 despite stable asset returns.
• ROE declined from 13.2% in Q1 2025 to 11.3% in Q1 2026, marking continued volatility in shareholder returns.
• ROIC contracted from 16.0% in Q1 2025 to 13.9% in Q1 2026, indicating diminished capital efficiency.
• ROA stabilized at 1.4% in Q1 2026, matching Q2 2025 levels after Q4 2025 dip to 1.2%.
• Debt-to-equity ratio remained low and stable between 0.06-0.09 across all periods, reflecting conservative leverage.
⚠ Q4 2025 showed concerning weakness with ROE dropping to 9.9% and D/E spiking to 0.09.
⚠ Profitability metrics show persistent quarter-to-quarter volatility without clear directional trend establishment.
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Available Research
13F Pro tracks comprehensive data for CAPITAL CITY BANK GROUP INC including:
Top Institutional Holders of CCBG
BlackRock, Inc.
$71.7M1,650,887 shDIMENSIONAL FUND ADVISORS LP
$38.3M882,114 shVANGUARD CAPITAL MANAGEMENT LLC
$27.1M623,105 shWELLINGTON MANAGEMENT GROUP LLP
$22.9M527,917 shHEARTLAND ADVISORS INC
$21.7M500,000 shCHARLES SCHWAB INVESTMENT MANAGEMENT INC
$18.1M417,183 shAMERICAN CENTURY COMPANIES INC
$18.0M414,083 shSTATE STREET CORP
$15.4M354,835 shGEODE CAPITAL MANAGEMENT, LLC
$14.5M332,602 shTRUIST FINANCIAL CORP
$12.1M278,804 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $71.7M | 1,650,887 |
| DIMENSIONAL FUND ADVISORS LP | $38.3M | 882,114 |
| VANGUARD CAPITAL MANAGEMENT LLC | $27.1M | 623,105 |
| WELLINGTON MANAGEMENT GROUP LLP | $22.9M | 527,917 |
| HEARTLAND ADVISORS INC | $21.7M | 500,000 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $18.1M | 417,183 |
| AMERICAN CENTURY COMPANIES INC | $18.0M | 414,083 |
| STATE STREET CORP | $15.4M | 354,835 |
| GEODE CAPITAL MANAGEMENT, LLC | $14.5M | 332,602 |
| TRUIST FINANCIAL CORP | $12.1M | 278,804 |
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Popular Research
Is CCBG a good stock to buy?
13F Pro's AI-powered analysis of CAPITAL CITY BANK GROUP INC (CCBG) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CCBG are available on the CCBG stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own CCBG?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CCBG. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CAPITAL CITY BANK GROUP INC's investment landscape.