Capital City Bank Group (CCBG)
Runs regional banking, mortgage, and wealth services through Capital City Bank.
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Provides commercial and retail banking, mortgage banking, wealth management, trust, card, merchant, brokerage, and advisory services through Capital City Bank. Its franchise is concentrated in Florida, Georgia, and Alabama, with relationship banking as the operating center.
Operates a Tallahassee-rooted financial holding company whose bank subsidiary serves individuals, businesses, and institutions with commercial and retail banking. Banking Services carry the core franchise, while Wealth Management Services run through Capital City Trust Company and Capital City Investments.
Adds mortgage banking through Capital City Home Loans, plus bankcards, merchant services, securities brokerage, trust, asset management, and advisory capabilities around deposit and credit relationships. The footprint is concentrated in Florida, Georgia, and Alabama, reflecting decades of community-bank and branch acquisitions.
Competes with banks, credit unions, mortgage companies, wealth advisers, fintech firms, and larger financial institutions. The business depends on regulated banking relationships, periodic examinations, and local-market credit and deposit demand.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Apr 21, 2026 | Capital One Financial | Target | Target: $45 | Target: $49.50 |
| Jan 28, 2026 | Capital One Financial | Target | Target: — | Target: $45 |
| Jan 28, 2026 | Keefe, Bruyette & Woods | Downgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $67.1M · Total debt $80.8M · Total assets $4.45B · Shareholders' equity $570.1M
- Revenue
- $72.4M
- Operating income
- $21.2M
- Net income
- $16.3M
HistoryDividendAnnual yield
| Institutions | ≈ 54.98% | 9.41M shares | |
|---|---|---|---|
| 144 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 33.48% | 5.73M shares | |
| 15 holders · as of Aug 28, 2026 | |||
| Other | ≈ 11.54% | 1.97M shares | |
| remainder | |||
17.11M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
William Godfrey Smith, Jr.Insider | 17.34% | 2.97M | filed Jul 23, 2018 |
William G. Jr SmithInsiderdirector, 10 percent owner, officer: CHAIRMAN, PRESIDENT & CEO | 13.90% | 2.38M | filed Jan 22, 2026 |
BlackRock, Inc.Institution | 9.87% | 1.69M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 5.14% | 878,839 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 3.56% | 609,425 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| May 26, 2026 | Thomas A. Barron | director, officer: TREASURER | −6,000 | $46.38 |
- SouthState
Broad Southeast banking, mortgage, and wealth overlap
- Pinnacle Financial Partners
Scaled Southeast bank with Synovus-market overlap
- Ameris Bancorp
Georgia-based Southeast bank with strong mortgage overlap
- United Community Banks
Relationship bank across Georgia, Florida, and Alabama
- Seacoast Banking
Florida community-bank peer with wealth and mortgage services
- Hancock Whitney
Gulf Coast bank competing in Alabama and Florida
- ServisFirst Bancshares
Commercial-focused Alabama bank across CCBG states
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Capital City Bank Group | $49.39 | −0.69% | $851.0M | 13.8 | 13.2 | 3.1 | +5.2% |
| SouthState | $102.42 | +0.05% | $9.93B | 10.8 | 10.5 | 3.1 | +1.2% |
| Pinnacle Financial Partners | $94.27 | −0.35% | $14.28B | 11.6 | 8.7 | 2.9 | +145.2% |
| Ameris Bancorp | $82.41 | −0.34% | $5.56B | 15.0 | 12.2 | 3.3 | +5.5% |
| United Community Banks | $33.88 | −0.91% | $4.09B | 11.2 | 10.7 | 2.6 | +9.8% |
| Seacoast Banking | $32.60 | −0.70% | $3.19B | 21.2 | 12.3 | 3.4 | +38.7% |
| Hancock Whitney | $73.06 | −0.69% | $5.97B | 14.4 | 10.5 | 3.0 | +7.8% |
| ServisFirst Bancshares | $41.51 | −0.57% | $4.56B | 14.2 | 12.2 | 4.4 | +27.6% |
| Median | 14.2 | 10.7 | 3.1 | +9.8% |