Capital City Bank (CCBG, Financial) has demonstrated a robust performance in the first quarter of 2025, highlighted by a net interest margin of 4.22%. The bank's financial health is bolstered by a solid increase in its total risk-based capital ratio, reaching 19.20% as of March 31, 2025, up from 18.64% at the end of December 2024 and 16.84% at the same time the previous year.
The common equity tier 1 capital ratio also showed significant improvement, climbing to 16.08% on March 31, 2025, from 15.54% three months prior, and 13.82% from a year earlier. CCBG attributes this favorable performance to strategic execution resulting in a 2.6% revenue increase, alongside a notable rise in deposit balances and improvements in credit quality metrics.
In addition, the first quarter saw a $0.17 per diluted share gain from the sale of their operations center building, further contributing to the bank's earnings. This financial strength enhances Capital City Bank's resilience and adaptability amidst fluctuating market and economic conditions.
Wall Street Analysts Forecast
Based on the one-year price targets offered by 3 analysts, the average target price for Capital City Bank Group Inc (CCBG, Financial) is $42.00 with a high estimate of $45.00 and a low estimate of $37.00. The average target implies an upside of 22.45% from the current price of $34.30. More detailed estimate data can be found on the Capital City Bank Group Inc (CCBG) Forecast page.
Based on the consensus recommendation from 3 brokerage firms, Capital City Bank Group Inc's (CCBG, Financial) average brokerage recommendation is currently 2.0, indicating "Outperform" status. The rating scale ranges from 1 to 5, where 1 signifies Strong Buy, and 5 denotes Sell.
Based on GuruFocus estimates, the estimated GF Value for Capital City Bank Group Inc (CCBG, Financial) in one year is $36.95, suggesting a upside of 7.73% from the current price of $34.3. GF Value is GuruFocus' estimate of the fair value that the stock should be traded at. It is calculated based on the historical multiples the stock has traded at previously, as well as past business growth and the future estimates of the business' performance. More detailed data can be found on the Capital City Bank Group Inc (CCBG) Summary page.
