CCBG Overview

Recognition of Capital City Bank: Capital City Bank has been named one of American Banker's "Best Banks to Work For" for the 13th consecutive year, ranking #37 overall and #8 among banks with assets between $3 billion and $10 billion in 2025, showing significant improvement from the previous year.

Commitment to Employee Development: The bank emphasizes the importance of its associates, offering a comprehensive benefits package and initiatives like The Spotlight and Navigator to enhance employee engagement and support both professional and personal growth.

Evaluation Process for Rankings: The "Best Banks to Work For" rankings are determined through a two-step evaluation process, which includes assessing workplace policies and conducting associate surveys, with the latter accounting for 75% of the total score.

About Capital City Bank Group: Capital City Bank Group, Inc. is a major financial holding company in Florida, providing a wide range of banking services and operating 62 banking offices across Florida, Georgia, and Alabama.

Earnings Performance: Capital City Bank (CCBG) reported quarterly earnings of $0.93 per share, exceeding the Zacks Consensus Estimate of $0.87 and showing a year-over-year increase from $0.78. The earnings surprise was +6.90%, and the bank has surpassed consensus EPS estimates in all four quarters over the past year.

Revenue Growth: The bank's revenues for the quarter reached $65.89 million, surpassing the Zacks Consensus Estimate by 4.09% and increasing from $59.72 million a year ago. CCBG has also topped revenue estimates in each of the last four quarters.

Stock Outlook: Despite an 11.8% increase in shares since the beginning of the year, CCBG has underperformed compared to the S&P 500's 14.5% gain. The stock currently holds a Zacks Rank #3 (Hold), indicating expected performance in line with the market.

Industry Context: The Banks - Southeast industry, to which CCBG belongs, ranks in the top 27% of Zacks industries, suggesting a favorable outlook. Investors are advised to monitor earnings estimate revisions and industry trends, as these factors can significantly impact stock performance.