Capital City Bank Group, Inc. (CCBG)

Capital City Bank Group's stock has shown consistent long-term performance, with increases year-to-date, over the last five years, and in the last decade. The stock traded sideways despite strong earnings reports for Q2 and Q3 2025. The company announced an increase in its quarterly dividend. The company reported strong Q3 2025 earnings, exceeding analyst estimates, and a net income of $16.0 million. Similarly, Q2 2025 earnings also beat estimates, with a net income of $15.0 million. In the first quarter of 2025, the company reported net income of $16.9 million, reflecting an increase in revenues and growth in deposit balances. The stock experienced declines during the start of the pandemic in 2020 and the regional banking crisis in 2023, but has since recovered. As of October 23, 2025, the stock was trading at $41.36.

Demand seasonality for Capital City Bank Group's products and services is evident, particularly concerning public funds. Deposits from public funds tend to follow a seasonal pattern. A decline in public funds contributed to a decrease in overall deposits in the second quarter of 2025, while the first quarter of 2025 saw an increase in deposit balances, largely attributed to a seasonal increase in public fund balances.

Capital City Bank Group, Inc. is a financial holding company based in Tallahassee, Florida, offering banking and financial solutions. It operates in the Financial Services sector, specifically in the Banks industry. The company provides traditional banking services, mortgage banking, asset management, trust services, and securities brokerage services. Its services include deposit and credit services, treasury management, financial planning, investment management, and private banking.

Capital City Bank Group primarily operates in the southeastern United States, with 63 to 71 branch locations and 103 to 104 ATMs/ITMs across Florida, Georgia, and Alabama. Its headquarters are in Tallahassee, Florida. The bank specializes in operating in smaller, less densely populated areas.

Capital City Bank Group has maintained a strong brand reputation, earning accolades. Capital City Bank was named to Florida Trend's annual "Best Companies to Work For in Florida" list for the 14th consecutive year. Forbes ranked Capital City Bank on its America's Best Banks list and included it in Forbes' World's Best Banks list. The bank was also recognized as one of the top employers in the financial industry by American Banker magazine.

Capital City Bank Group is owned by a mix of institutional shareholders, insiders, and retail investors. Institutional shareholders own approximately 41.46% to 47.50% of the company, while insiders own a significant portion, around 19.62% to 170.39%. Retail investors hold approximately 0.00% to 51.84% of the stock. William G. Smith Jr. is the largest individual shareholder. Major institutional owners include Blackrock Inc., Dimensional Fund Advisors LP, Vanguard Group Inc., State Street Corp., and Heartland Advisors Inc.