CCBG
Capital City Bank Group, Inc.Financial Services·Banks - Regional
$45.64
$781M market cap
Revenue
$134.6M
Free Cash Flow
$42.7M
Rev Growth
+0.0%
FCF Margin
31.7%
P/FCF
18.3x
EV/FCF
-10.3x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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 est
2-Year Price History
$46.41+80.0%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 62.8 | 20.7 | 20.7 | 15.8 | 15.9 | 14.7 | -1.3 | 1,290 | 67.3 | 17.2 | 25.2% | 2.5x | -- |
| Act | 2025-Q4 | 71.8 | 20.6 | 20.6 | 13.7 | 29.7 | 28.1 | -1.6 | 62.2 | 93.4 | 17.1 | 23.0% | 2.5x | -- |
Valuation & Metrics
Market Stats
Price$45.64
Market Cap$781M
Enterprise Value$-442M
P/S Ratio5.8x
P/FCF18.3x
EV/FCF-10.3x
FCF Margin (TTM)31.7%
FCF Yield5.5%
Dividend Yield (TTM)2.8%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$134.6M
Net Income$29.5M
Free Cash Flow$42.7M
Revenue Growth (YoY)+0.0%
EBITDA Margin30.7%
Net Margin21.9%
FCF Margin31.7%
CapEx % of Revenue2.2%
SBC % of Revenue0.4%
ROIC24.1%
WC Change % Rev-1859.8%
Interest Coverage2.5x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.3M
Days to Cover3.7
Change (vs Prior)-10.9%
Need at least 2 settlement dates for chart
Employees
Headcount940
Revenue / Employee$143,157
Gross Profit / Employee$133,512
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
24.5%(+7.9% YoY)
122 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
23.0%(+3.8% YoY)
11 filers
Vanguard, iShares, SPDR
Market makers
0.1%(-0.1% YoY)
4 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| BlackRock, Inc.Passive | $71.7M | $34.00 | −$2.5M | −$7.0M | -0.2% | $5.69T |
| DIMENSIONAL FUND ADVISORS LPPassive | $38.3M | $29.67 | +$151K | −$42K | -0.4% | $480.92B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $27.1M | $43.46 | +$27.1M | +$27.1M | — | $4.04T |
| WELLINGTON MANAGEMENT GROUP LLP | $22.9M | $37.47 | −$867K | +$11.9M | -0.3% | $533.98B |
| HEARTLAND ADVISORS INC | $21.7M | $26.29 | +$0 | −$3.9M | -0.4% | $1.96B |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $18.1M | $42.81 | +$13.2M | +$16.4M | +0.7% | $645.81B |
| AMERICAN CENTURY COMPANIES INC | $18.0M | $35.34 | +$2.0M | +$6.8M | +0.7% | $193.48B |
| STATE STREET CORPPassive | $15.4M | $31.97 | −$394K | +$346K | -0.2% | $2.89T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $14.5M | $30.03 | +$242K | +$194K | +2.3% | $1.61T |
| BB&T CORP | $12.1M | $25.37 | +$0 | −$43K | -0.2% | $73.72B |
| RENAISSANCE TECHNOLOGIES LLC | $7.6M | $30.54 | +$452K | −$352K | +1.2% | $63.91B |
| ACADIAN ASSET MANAGEMENT LLC | $7.2M | $28.05 | −$394K | −$690K | -0.5% | $70.48B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $6.8M | $43.46 | +$6.8M | +$6.8M | — | $1.91T |
| Murphy, Middleton, Hinkle & Parker, Inc. | $6.3M | $34.41 | −$213K | −$692K | -0.3% | $216M |
| GOLDMAN SACHS GROUP INC | $5.8M | $38.40 | +$2.0M | +$3.0M | -0.2% | $760.93B |
| NORTHERN TRUST CORPPassive | $5.4M | $34.48 | +$205K | −$421K | -0.2% | $755.34B |
| VANGUARD FIDUCIARY TRUST COPassive | $3.9M | $43.46 | +$3.9M | +$3.9M | — | $395.83B |
| Russell Investments Group, Ltd. | $3.8M | $33.15 | +$133K | −$516K | +1.5% | $93.03B |
| TWO SIGMA INVESTMENTS, LP | $3.8M | $38.67 | +$2.8M | +$2.7M | -0.9% | $117.03B |
| ISTHMUS PARTNERS, LLC | $3.8M | $27.75 | −$55K | +$72K | -0.9% | $953M |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
+0.06%
avg per quarter
Holders (ex-self)
+0.05%
excl. this stock
Buyers (this Q)
+0.25%
56 buyers · $0.07B in
Sellers (this Q)
-0.16%
47 sellers · $0.01B out
alpha coverage: 90% of $ has a lifetime-alpha record
Holder behavior (holder profile)source: holder
On big dips (−10%+)
-3.9%
how holders react when this stock falls
On quiet Qs
-0.9%
−10% to +10% baseline
On rallies (+10%+)
-11.9%
how they react when this stock rises
Holders' portfolio flow this Q
+4.3%
inflows — adds are organic
Sellers' portfolio flow this Q
+5.4%
Sellers grew AUM elsewhere — opinionated cut of this stock.
Biggest decreases this quarter
Axecap Investments, LLCexited−$2.6MBlackRock, Inc.−$2.5Mα-0.2BANK OF AMERICA CORP /DE/−$1.7Mα-0.1Weiss Asset Management LPexited−$919KWELLINGTON MANAGEMENT GROUP LLP−$867Kα-0.3Integrated Quantitative Investments LLCexited−$788KJefferies Financial Group Inc.exited−$724KHSBC HOLDINGS PLCexited−$502KJANE STREET GROUP, LLCexited−$474KLegato Capital Management LLCexited−$469K
New buyers this quarter
Top-5 holders · 47.8%
BlackRock, Inc.--
DIMENSIONAL FUND ADVISORS LP--
VANGUARD CAPITAL MANAGEMENT LLC--
WELLINGTON MANAGEMENT GROUP LLP--
HEARTLAND ADVISORS INC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
WELLINGTON MANAGEMENT GROUP LLP528KHEARTLAND ADVISORS INC500KCHARLES SCHWAB INVESTMENT MANAGEMENT INC417KAMERICAN CENTURY COMPANIES INC414KBB&T CORP279KJPMORGAN CHASE & CO6KAMERIPRISE FINANCIAL INC34KBANK OF AMERICA CORP /DE/75KACADIAN ASSET MANAGEMENT LLC166KRENAISSANCE TECHNOLOGIES LLC175K
Analyst Coverage
Analyst Coverage
Price Targets
Last Quarter (1 analysts)$49.50850.0%
Last Year (2 analysts)$47.25350.0%
Current Price$45.64
Analyst Ratings
1
6
Buy: 1Hold: 6Consensus: Hold
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Sells ($, 12mo)
$328K
1 txn · 1 insider · 8,000 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2025-08-14 | SELL | BARRON THOMAS A | director, officer: TREASURER | 8,000 | $41.06 | $328K | $5.88M |
Order Flow (FINRA, ~3w lag)
12.9%retail+0.5pp
20.8%dark+0.0pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
CCBG: Administrative Metadata Analysis and Filing Transparency
Overall Risk
1/10
Fraud
1/10
Dilution
1/10
Insolvency
1/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10