Should I Buy CCBG? CCBG 2026 Analysis

Should You Buy Capital City Bank Group Inc (CCBG) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

41.670

1 Day change

0.60%

52 Week Range

46.830

Analysis Updated At

2026/01/28

CCBG is not a good buy right now for a beginner long-term investor who is impatient and doesn’t want to wait for a cleaner entry. The stock just sold off hard after earnings, momentum is still deteriorating, and it has broken an important near-term support area. I would HOLD and only turn bullish again if price stabilizes above ~$40.65 (former support) or after a clear reversal from the ~$38.9 support zone.

Technical Analysis

Price/Trend: CCBG is down sharply (-5.52% regular session; -1.16% pre-market), signaling post-earnings distribution. Trend is mixed: longer-term moving averages are still bullish (SMA_5 > SMA_20 > SMA_200), but near-term momentum has turned down. Momentum: MACD histogram is negative (-0.33) and worsening (negatively expanding) → downside momentum is building. RSI: RSI_6 at ~21.8 indicates the stock is short-term oversold, which can produce bounces, but oversold alone is not a buy signal when MACD is still deteriorating. Key Levels: Pivot 43.455. Support: S1 40.655 was broken (price 40.09 < 40.655), increasing risk of a test of S2 ~38.925. Resistance: 46.255 then 47.985. Pattern/Probabilities (provided): Similar-pattern stats imply modest upside next day/week, but a negative 1-month bias (-6.17%), aligning with weak momentum. Intellectia Proprietary Trading Signals - [AI Stock Picker](module://ai_stock_pick): No signal on given stock today. - [SwingMax](module://swingmax): No signal on given stock recently.

Options Data

Bearish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Sentiment from positioning: Open interest put/call ratio at 4.92 is strongly put-heavy (bearish/hedging skew). However, options are extremely illiquid today (0 volume), so the sentiment read is less reliable and can be distorted by a few stale positions. Volatility: IV percentile ~6.8 and IV rank ~7.45 suggest options are pricing relatively low volatility vs its own history (complacent/cheap optionality), but that does not negate the bearish skew in open interest.

Technical Summary

Sell

Buy

Positive Catalysts

Q4 results were fundamentally positive: GAAP EPS $0.80 (+6.7% YoY) and revenue growth (news: +6.0% YoY; financial snapshot: +11.42% YoY). Strong balance sheet/capital adequacy supports future expansion and shareholder returns. Dividend strength/consistency is a positive for long-term, income-oriented holders. Analyst price target (even after cut) at $45 still implies upside vs $40.09.

Neutral/Negative Catalysts

with worsening MACD, raising odds of a retest toward ~$38.
Options open-interest skew is heavily put-weighted (bearish hedging).

Financial Performance

Latest quarter: 2025/Q4. Revenue increased to 61,535,000 (+11.42% YoY). Net income increased to 13,705,000 (+4.70% YoY). EPS increased to 0.80 (+3.90% YoY). Overall: steady growth, but profitability is growing slower than revenue, consistent with the commentary about margin/expense pressure.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent analyst trend: On 2026-01-28, Keefe Bruyette downgraded CCBG to Market Perform from Outperform and trimmed the price target to $45 from $47 after Q4, citing NIM slippage, lower fees, and higher expenses. Wall Street pro view (pros/cons): Pros—solid Q4 growth, strong capital position, dividend/returns focus, and price target still above current price. Cons—near-term earnings growth uncertainty tied to capital deployment timing and operating headwinds (margin + expenses), which reduces conviction for buying immediately after a breakdown day. Influential/political trading: No recent congress trading data available. Hedge funds and insiders are neutral with no significant recent trend.

1 Analyst Rating

Wall Street analysts forecast CCBG stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CCBG is 47 USD with a low forecast of 47 USD and a high forecast of 47 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

0 Hold

0 Sell

Moderate Buy

Current: 41.420

Low

Averages

High

Current: 41.420

Low

Averages

High

Keefe Bruyette

Outperform -> Market Perform

downgrade

$47 -> $45

AI Analysis

2026-01-28

New

Reason

Keefe Bruyette

Price Target

$47 -> $45

AI Analysis

2026-01-28

New

downgrade

Outperform -> Market Perform

Reason

Keefe Bruyette downgraded Capital City Bank to Market Perform from Outperform with a price target of $45, down from $47, following the Q4 report. The company reported net interest margin "slippage," lower fees, and higher expenses, the analyst tells investors in a research note. The firm believes Capital City's forward earnings growth will likely be dictated by excess capital deployment, which could take time.

Keefe Bruyette

Outperform

maintain

$43 -> $45

2025-07-23

Reason

Keefe Bruyette

Price Target

$43 -> $45

2025-07-23

maintain

Outperform

Reason

Keefe Bruyette raised the firm's price target on Capital City Bank to $45 from $43 and keeps an Outperform rating on the shares.

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CCBG Should I Buy

CCBG Should I Buy

Should You Buy Capital City Bank Group Inc (CCBG) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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