Capital City Bank Group

CCBG · NASDAQ

$49.41+$0.78 (+1.60%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $48.63

CCBG analyst rating

HoldConsensus of 1 analyst over the last 12 months. 0% rate it a buy.

Strong buy0
Buy0
Hold1
Underperform0
Sell0

12-month price target · 5 analysts

Average $51.34 (+3.9% upside)

Low: $47.97
Now: $49.41
High: $56.70

Upgrades and downgrades

The latest rating actions, newest first

CCBG analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Keefe, Bruyette & Woods	Jul 22, 2026	Maintains	Market Perform	$52.00 → $54.00	79%
Keefe, Bruyette & Woods	Apr 21, 2026	Maintains	Market Perform	$45.00 → $50.00	79%
Keefe, Bruyette & Woods	Jan 28, 2026	Downgrade	Outperform → Market Perform	$47.00 → $45.00	79%

The case for and against

Updated Jan 12, 2026

Bull case

Capital City Bank Group Inc. has demonstrated consistent strength in its net interest margin (NIM), which expanded by 8 basis points to 4.30%, surpassing expectations that anticipated flat performance. This positive trend in NIM, which has cumulatively increased by 18 basis points since the onset of the easing cycle, indicates a robust capacity to maintain profitability despite a backdrop of soft growth trends. Additionally, the company's reserve ratio has slightly increased to 1.13%, suggesting a proactive approach to managing potential financial risks and positioning the balance sheet favorably.

Bear case

Capital City Bank Group Inc. is currently facing a negative outlook largely due to a 4% decline in period-end loans and an 8% drop in deposits, which followed a seasonal peak in public funds. Despite reporting robust revenue growth and record profitability in its recent quarter, these declines in key financial metrics raise concerns about the sustainability of its growth. Overall, the significant downturn in both loan and deposit volumes suggests potential liquidity issues and could adversely affect the company’s banking operations moving forward.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.