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Capital City Bank Group, Inc. CCBG | NASDAQ

$51.18 $0.37 | 0.73%

TREND SIGNAL: Signal available — unlock to view

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|2026-09-01

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Company Overview:

Market Cap: $875.84M

Trailing PE: —

FWD PE: —

Payout Ratio (TTM): 29.3%

52-Week Range: $38.55 - $53.60

10 Year CCBG Performance Metrics:

Total Return (with DRIP): 319.5% (15.42% CAGR)

Total Return (no DRIP): 281.7% (14.33% CAGR)

Share Price: 239.8% (13.01% CAGR)

Yield on Cost (with DRIP): 8.85%

Total Invested: $10,000

Total Value (with DRIP): $41,947

Total Return $ (with DRIP): $31,947

Dividend Increase: 440.0% (18.84% CAGR)

Dividend Yield (FWD): 2.11% ($1.08)

CCBG 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

CCBG Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

CCBG Price CAGR:1Y: 29.83%2Y: 20.46%5Y: 13.75%10Y: 13.01%

CCBG Dividend Charts

CCBG - Dividends

CCBG Dividend CAGR:1Y: 3.85%2Y: 8.35%5Y: 11.03%10Y: 21.04%

CCBG - Dividend Payout Ratio

CCBG Dividend Payout Ratio CAGR:1Y: 4.25%2Y: 6.27%5Y: -3.59%10Y: 4.93%

CCBG - Dividend to Free Cash Flow Ratio

CCBG Dividend to FCF Ratio CAGR:1Y: 365.85%2Y: 100.10%5Y: 0.00%10Y: 23.81%

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CCBG - Chart 1

CCBG - Chart 2

CCBG - Chart 3

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CCBG Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

CCBG - Revenue

CCBG Revenue CAGR:1Y: -9.60%2Y: -3.12%5Y: 3.52%10Y: 6.07%

CCBG - Earnings Per Share (EPS)

CCBG EPS CAGR:1Y: 7.95%2Y: 6.98%5Y: 16.64%10Y: 15.75%

CCBG - Net Income

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CCBG Net Income CAGR:1Y: 8.20%2Y: 7.25%5Y: 16.99%10Y: 15.27%

CCBG - EBITDA

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CCBG EBITDA CAGR:1Y: 5.13%2Y: 9.46%5Y: 12.54%10Y: 0.00%

CCBG - Free Cash Flow

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CCBG Free Cash Flow CAGR:1Y: -75.79%2Y: -43.04%5Y: 0.00%10Y: -2.30%

CCBG - Free Cash Flow / Share

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CCBG Free Cash Flow / Share CAGR:1Y: -75.85%2Y: -43.33%5Y: 0.00%10Y: -2.28%

CCBG - Operating Income

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CCBG Operating Income CAGR:1Y: 5.98%2Y: 11.02%5Y: 17.49%10Y: 13.50%

CCBG - Gross Profit

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CCBG Gross Profit CAGR:1Y: 6.31%2Y: 7.06%5Y: 4.02%10Y: 6.33%

CCBG - Shares Outstanding

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CCBG Shares Outstanding CAGR:1Y: 0.22%2Y: 0.49%5Y: 0.28%10Y: -0.04%

CCBG - Share Buybacks

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CCBG Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

CCBG - Stock-Based Comp

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CCBG Stock-Based Comp CAGR:1Y: -21.10%2Y: 13.35%5Y: 13.64%10Y: 5.28%

CCBG - Expenses

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CCBG Expenses CAGR:1Y: 188.64%2Y: 64.57%5Y: 26.76%10Y: 17.01%

CCBG - Revenue vs Net Income

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CCBG - EPS vs FCF / Share

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CCBG - EPS vs PE Ratio

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CCBG - FCF vs FCF / Share

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CCBG - FCF vs Stock Based Comp

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CCBG - Cash & Debt

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CCBG - Revenue by Segment

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CCBG Revenue CAGR:1Y: -9.60%2Y: -3.12%5Y: 3.52%10Y: 6.07%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

CCBG - REVENUE: Actual + Estimates

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CCBG Actual Revenue CAGR:1Y: -9.60%2Y: -3.12%5Y: 3.52%10Y: 6.07%

CCBG - EPS: Actual + Estimates

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CCBG Actual EPS CAGR:1Y: 7.95%2Y: 6.98%5Y: 16.64%10Y: 15.75%

CCBG - NET INCOME: Actual + Estimates

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CCBG Actual Net Income CAGR:1Y: 8.20%2Y: 7.25%5Y: 16.99%10Y: 15.27%

CCBG - EBITDA: Actual + Estimates

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CCBG Actual EBITDA CAGR:1Y: 5.13%2Y: 9.46%5Y: 12.54%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

CCBG - Net Profit Margin

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CCBG Net Profit Margin CAGR:1Y: 3.03%2Y: 2.71%5Y: 9.68%10Y: 7.06%

CCBG - Gross Profit Margin

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CCBG Gross Profit Margin CAGR:1Y: 1.23%2Y: 2.53%5Y: -2.48%10Y: -1.25%

CCBG - Price to Earnings

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CCBG Price to Earnings CAGR:1Y: 16.34%2Y: 24.43%5Y: -2.33%10Y: -1.53%

CCBG - Price To Sales Ratio

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CCBG Price To Sales Ratio CAGR:1Y: 19.92%2Y: 27.68%5Y: 7.08%10Y: 5.39%

CCBG - Return on Capital Employed

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CCBG Return on Capital Employed CAGR:1Y: -84.30%2Y: -59.31%5Y: 15.05%10Y: 8.31%

CCBG - Return on Invested Capital

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CCBG Return on Invested Capital CAGR:1Y: -83.30%2Y: -59.03%5Y: -26.95%10Y: -10.27%

CCBG Dividends Info:

Annual Dividend: $1.08

Forward Yield: 2.11%

Ex-Dividend Date: 2026-09-08

Lifetime Dividends / Share: $14.60

CCBG Dividend History: Dates, Payments & Yield list

Below is a schedule of all CCBG dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
09/08/2026	09/10/2026	$0.270	2.13%	2.13%	$50.72
06/01/2026	06/03/2026	$0.270	2.42%	2.48%	$43.63
03/09/2026	03/11/2026	$0.270	2.54%	2.57%	$41.99
12/01/2025	12/03/2025	$0.260	2.49%	2.43%	$42.88
09/08/2025	09/10/2025	$0.260	2.38%	2.41%	$43.20
06/09/2025	06/11/2025	$0.240	2.58%	2.53%	$37.97
03/10/2025	03/12/2025	$0.240	2.76%	2.7%	$35.55
12/09/2024	12/11/2024	$0.230	2.36%	2.32%	$39.60
09/09/2024	09/11/2024	$0.230	2.76%	2.75%	$33.40
06/10/2024	06/12/2024	$0.210	3.14%	3.07%	$27.38
03/08/2024	03/11/2024	$0.210	2.97%	3%	$28.01
12/01/2023	12/04/2023	$0.200	2.88%	2.82%	$28.37
09/08/2023	09/11/2023	$0.200	2.66%	2.64%	$30.31
06/02/2023	06/05/2023	$0.180	2.23%	2.32%	$30.97
03/03/2023	03/06/2023	$0.180	1.98%	2.06%	$34.88
12/02/2022	12/19/2022	$0.170	1.93%	2.09%	$32.57
09/09/2022	09/26/2022	$0.170	2.12%	2.12%	$32.03
06/03/2022	06/20/2022	$0.160	2.39%	2.43%	$26.39
03/04/2022	03/21/2022	$0.160	2.38%	2.34%	$27.31
12/03/2021	12/20/2021	$0.160	2.36%	2.47%	$25.90
09/10/2021	09/27/2021	$0.160	2.82%	2.6%	$24.58
06/04/2021	06/21/2021	$0.150	2.29%	2.28%	$26.29
03/05/2021	03/22/2021	$0.150	2.2%	2.23%	$26.86
12/04/2020	12/21/2020	$0.150	2.37%	2.44%	$24.64
09/11/2020	09/28/2020	$0.140	2.89%	2.97%	$18.85
06/05/2020	06/22/2020	$0.140	2.41%	2.78%	$20.12
03/06/2020	03/23/2020	$0.140	2.32%	3.25%	$17.24
12/06/2019	12/23/2019	$0.130	1.8%	1.72%	$30.19
09/06/2019	09/23/2019	$0.130	2.12%	1.93%	$26.89
06/07/2019	06/24/2019	$0.110	1.86%	1.78%	$24.72
03/08/2019	03/25/2019	$0.110	1.88%	2.05%	$21.43
11/30/2018	12/17/2018	$0.090	1.34%	1.52%	$23.73
08/31/2018	09/18/2018	$0.090	1.47%	1.51%	$23.80
06/08/2018	06/25/2018	$0.070	1.18%	1.14%	$24.53
03/02/2018	03/19/2018	$0.070	1.14%	1.06%	$26.50
12/01/2017	12/18/2017	$0.070	1.12%	1.12%	$24.95
08/31/2017	09/19/2017	$0.070	1.35%	1.33%	$21.05
06/01/2017	06/19/2017	$0.050	1.04%	0.98%	$20.31
03/02/2017	03/20/2017	$0.050	0.97%	0.99%	$20.19
12/01/2016	12/19/2016	$0.050	1.07%	0.96%	$20.83
09/01/2016	09/20/2016	$0.040	1.15%	1.07%	$14.96
06/02/2016	06/20/2016	$0.040	1.03%	1.05%	$15.26
03/03/2016	03/21/2016	$0.040	1.04%	1.11%	$14.44
12/03/2015	12/21/2015	$0.040	1.03%	1.01%	$15.89
09/03/2015	09/22/2015	$0.030	0.8%	0.81%	$14.84
06/04/2015	06/22/2015	$0.030	0.84%	0.79%	$15.10
03/05/2015	03/23/2015	$0.030	0.77%	0.75%	$16.03
12/04/2014	12/22/2014	$0.030	0.8%	0.76%	$15.84
09/04/2014	09/22/2014	$0.020	0.57%	0.58%	$13.81
06/05/2014	06/23/2014	$0.020	0.59%	0.59%	$13.51
03/06/2014	03/24/2014	$0.020	0.56%	0.59%	$13.62
09/07/2011	09/23/2011	$0.100	3.89%	3.85%	$10.40
06/08/2011	06/24/2011	$0.100	3.96%	3.65%	$10.97
03/03/2011	03/21/2011	$0.100	3.17%	3.18%	$12.56
12/02/2010	12/20/2010	$0.100	3.18%	3.01%	$13.30
09/09/2010	09/27/2010	$0.100	3.51%	3.31%	$12.10
06/03/2010	06/21/2010	$0.100	2.72%	2.91%	$13.76
03/04/2010	03/22/2010	$0.190	5.7%	5.39%	$14.10
12/03/2009	12/21/2009	$0.190	6.45%	5.61%	$13.54
09/03/2009	09/22/2009	$0.190	5.32%	5%	$15.19
06/04/2009	06/22/2009	$0.190	4.5%	4.69%	$16.21
03/05/2009	03/23/2009	$0.190	7.7%	5.87%	$12.95
12/04/2008	12/22/2008	$0.190	3.04%	3.01%	$25.27
09/04/2008	09/22/2008	$0.185	2.98%	2.27%	$32.54
06/05/2008	06/23/2008	$0.185	2.59%	3.22%	$22.97
03/07/2008	03/25/2008	$0.185	2.97%	2.61%	$28.39
12/04/2007	12/20/2007	$0.185	2.7%	2.54%	$29.15
08/30/2007	09/18/2007	$0.175	2.22%	2.12%	$33.04
05/31/2007	06/18/2007	$0.175	2.35%	2.18%	$32.10
03/01/2007	03/19/2007	$0.175	2.12%	2.23%	$31.33
11/30/2006	12/18/2006	$0.175	2.06%	2.03%	$34.48
08/31/2006	09/19/2006	$0.163	2.02%	2%	$32.45
06/01/2006	06/19/2006	$0.163	1.97%	2.07%	$31.42
03/02/2006	03/20/2006	$0.163	1.88%	1.84%	$35.35
12/01/2005	12/19/2005	$0.163	1.68%	1.77%	$36.67
09/01/2005	09/20/2005	$0.152	1.68%	1.74%	$34.98
06/02/2005	06/20/2005	$0.152	1.86%	1.87%	$32.53
03/03/2005	03/21/2005	$0.152	1.84%	1.83%	$33.20
12/02/2004	12/20/2004	$0.152	1.67%	1.87%	$32.51
09/01/2004	09/20/2004	$0.144	1.83%	1.84%	$31.34
06/03/2004	06/21/2004	$0.144	1.82%	1.88%	$30.60
03/04/2004	03/22/2004	$0.144	1.7%	1.82%	$31.68
12/04/2003	12/22/2003	$0.144	1.68%	1.66%	$34.78
09/04/2003	09/22/2003	$0.136	1.72%	1.7%	$32.08
06/11/2003	06/27/2003	$0.109	1.57%	1.55%	$28.10
03/06/2003	03/24/2003	$0.109	1.86%	1.75%	$24.83
11/29/2002	12/17/2002	$0.109	1.77%	1.82%	$23.97
09/05/2002	09/23/2002	$0.098	1.79%	1.85%	$21.20
06/06/2002	06/24/2002	$0.098	2.21%	1.97%	$19.90
03/07/2002	03/25/2002	$0.098	2.45%	2.31%	$16.94
11/29/2001	12/17/2001	$0.098	2.71%	2.55%	$15.34
09/06/2001	09/24/2001	$0.095	2.42%	2.68%	$14.14
06/07/2001	06/25/2001	$0.095	2.69%	2.57%	$14.75
03/09/2001	03/27/2001	$0.095	2.51%	2.47%	$15.36
11/30/2000	12/18/2000	$0.095	2.42%	2.38%	$15.92
08/31/2000	09/19/2000	$0.085	2.66%	2.68%	$12.72
06/01/2000	06/19/2000	$0.085	2.78%	2.74%	$12.44
03/02/2000	03/20/2000	$0.085	2.91%	2.96%	$11.52
12/02/1999	12/20/1999	$0.085	2.26%	2.31%	$14.72
09/09/1999	09/27/1999	$0.077	2.18%	2%	$15.36
06/10/1999	06/28/1999	$0.077	2.36%	2.03%	$15.16
03/11/1999	03/29/1999	$0.070	1.83%	1.9%	$14.84
12/10/1998	12/28/1998	$0.070	1.59%	1.68%	$16.80
09/10/1998	09/28/1998	$0.070	1.57%	1.52%	$18.56
06/11/1998	06/29/1998	$0.070	1.46%	1.4%	$20.08
03/12/1998	03/30/1998	$0.070	1.45%	1.45%	$19.36
12/11/1997	12/29/1997	$0.070	1.63%	1.63%	$17.28
09/12/1997	09/30/1997	$0.064	1.75%	1.73%	$14.83
06/12/1997	06/30/1997	$0.064	1.97%	1.92%	$13.33
04/02/1997	04/09/1997	$0.064	2%	2%	$12.80
03/12/1997	03/28/1997	$0.064	1.94%	1.98%	$12.91
12/12/1996	12/27/1996	$0.064	4%	4%	$6.40
09/12/1996	09/30/1996	$0.058	3.6%	3.6%	$6.40
06/10/1996	06/28/1996	$0.058	3.6%	3.6%	$6.40
03/13/1996	03/29/1996	$0.058	3.6%	3.6%	$6.40
06/14/1995	07/03/1995	$0.023	1.52%	1.52%	$6.19
12/12/1994	01/04/1995	$0.171	11.03%	11.03%	$6.19
07/05/1994	11/30/-0001	$0.023	1.57%	1.57%	$5.97

Projected Future Returns & Dividends for CCBG

Based on past 10-year performance, here are CCBG growth metrics:

Share price CAGR of +13.01%
Dividend CAGR of +21.11%

Using CCBG CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	CCBG (DRIP)	CCBG - No DRIP
Current Price	$51.18	$51.18
Start Shares	195.39	195.39
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	261.82	195.39
Dividends Payment	$1.83	$1.83
Annual Dividends	$1,919	$1,432
Yield on cost	19.19%	14.32%
Share Price	$173.93	$173.93
Total Dividends	$6,880	$5,786
Final Value	$45,539	$39,770

Estimated Future Value + Dividends - CCBG

NOTE: Above numbers are our estimate based on CCBG's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Capital City Bank Group, Inc. (CCBG) had its IPO on 1994-06-06, and is traded on NASDAQ stock exchange.

Capital City Bank Group, Inc. functions as the financial holding company for Capital City Bank, delivering a comprehensive array of financial services to both individual consumers and businesses. Its commercial offerings encompass financing for business properties, equipment, inventories, and accounts receivable, in addition to commercial leasing, letters of credit, treasury management solutions, and merchant credit card transaction processing. The institution also offers commercial and residential real estate loans, including both fixed and adjustable-rate mortgages for homes, along with personal loans for vehicles, recreational vehicles, and home equity, as well as various credit card options. Furthermore, it delivers specialized institutional banking services to a diverse clientele, including state and local governments, public educational institutions, charities, membership organizations, and non-profit associations. These services feature tailored checking and savings accounts, sophisticated cash management systems, tax-exempt loans, lines of credit, and term financing. For its consumer base, the bank provides a full spectrum of services such as checking and savings accounts, access to interactive and automated teller machines (ATMs/ITMs), debit and credit cards, night deposit boxes, safe deposit facilities, and modern online and mobile banking capabilities. The company also offers individual asset management solutions, including agency accounts, personal trusts, IRAs, and personalized investment management. Its retail securities product offerings extend to U.S. government and tax-free municipal bonds, equities, mutual funds, unit investment trusts, annuities, life insurance, and long-term healthcare plans. As of December 31, 2021, its operational footprint included 57 banking branches and 86 ATM/ITM locations spanning Florida, Georgia, and Alabama. Established in 1895, Capital City Bank Group maintains its corporate headquarters in Tallahassee, Florida.

CCBG website: https://www.ccbg.com

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Combined 55% Lifetime Discount

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DCF Model — CCBG

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

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vs current price $51.18

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

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grows for the next years

Then mature

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every future dollar counted back to today

Pile of today-dollars

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÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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