
CCBG Stock Forecast & Price Target
CCBG Analyst Ratings
Bulls say
Capital City Bank Group Inc. has demonstrated a significant improvement in its net interest margin (NIM), expanding by 8 basis points quarter-over-quarter to reach 4.30%, which exceeds expectations for stability. This consistent NIM outperformance, with a cumulative increase of 18 basis points since the onset of the easing cycle, indicates the company’s effective management of its balance sheet amid challenging growth trends. Additionally, the small increase in reserves to 1.13% reflects prudent risk management, further solidifying a positive outlook on the bank's financial health.
Bears say
Capital City Bank Group has displayed a notable decline in period-end loans, which fell by 4% on a last quarter annualized (LQA) basis, alongside an even more significant decrease in deposits, which dropped by 8% LQA after a seasonal peak. Such reductions in key banking metrics suggest potential challenges in customer retention and growth in lending activities, undermining the otherwise strong revenue growth and profitability narratives. This combination of declining loans and deposits raises concerns about the sustainability of the company’s financial performance in the near term.
This aggregate rating is based on analysts' research of Capital City Bank Group and is not a guaranteed prediction by Public.com or investment advice.
CCBG Analyst Forecast & Price Prediction
Start investing in CCBG
Order type
Buy in
Order amount
Est. shares
0 shares