Does CCBG pay a dividend and is it safe?

Capital City Bank Group (CCBG) offers a 1.95% cash dividend yield ($1.01 annualized) and 3.75% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Stock Ratings / Financials / CCBG / dividends

GSBC (70) ORRF (73) MPB (57) FCBC (57) ⌘ Pro Terminal →

Capital City Bank Group (CCBG) Dividend Safety Gauge & 10-Year DRIP Compounder

$51.95 +2.14% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $52.27

Capital City Bank Group (CCBG) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 11% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $870.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CCBG Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CCBG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Capital City Bank Group (NASDAQ: CCBG) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $51.95 (+2.14% 1D, market cap $870.4M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, CCBG ranks #111 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CCBG compare to GSBC and ORRF in the Financials sector?

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Within the Financials sector (Major Banks), CCBG carries a Roarable B- (70/100 RQD), trailing P/E of 14.2x, gross margin of —, and ROIC of 11.1%. By comparison, GSBC (Great Southern Bancorp Inc.) holds a B- grade (70/100 RQD, P/E 12.4x, ROIC 11.2%, cap $873.4M) and ORRF (Orrstown Financial Services Inc.) posts a B grade (73/100 RQD, P/E 10.8x, ROIC 13.7%, cap $863.9M). Among the 5-stock peer group, ORRF leads on earnings multiple (10.8x) while ORRF leads on capital efficiency (13.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CCBG?

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Per CCBG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000726601), Capital City Bank Group generated $1.84B in revenue (+1.4% YoY), $61.6M in net income, and $80.0M in free cash flow against $4.39B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $52.28 (+0.63%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 4.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CCBG)Realized 20D OHLCV Swing Band: ±3.8%

Deterministic 5-Pillar Attribution (70/100 Composite)

🔍 WHY CCBG SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 4.3% FCF Margin ($80.0M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit13/20 pts (-7 pt drag)

Macro rate sensitivity & RSI-14 (57.9) create a -7 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$48.17+2.6% Next Q

Q2 (-2Q)

Grade C+$49.41+3.7% Next Q

Q3 (-1Q)

Grade B-$51.22+1.4% Next Q

Current

Grade B-$51.95+6.6% Hist 90D α

Trajectory: C+ (62) → B- (70)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CCBG Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, CCBG faces multiple-compression risk if 14.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($49.99) or 200D SMA ($47.30) invalidates the momentum regime and cuts Target Base ($54.76) toward Bear Floor ($42.60).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CCBG• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CCBG Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 70%NO 30%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

3.75% Total Yield

1.95% Cash ($1.01/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

14% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (8.7% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $23,030

Est. Year-10 Shareholder Yield: $864/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.9K

Yr 1

$11.8K

Yr 2

$12.8K

Yr 3

$14.0K

Yr 4

$15.2K

Yr 5

$16.5K

Yr 6

$17.9K

Yr 7

$19.5K

Yr 8

$21.2K

Yr 9

$23.0K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in CCBG & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on CCBG and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CCBG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.43%▲ RESISTANCE BREAKOUT

2026-11-03O $51.18H $51.95L $50.86C $51.95VOL 75.3K

RES: $51.48SUP: $47.49SMA50: $49.99SMA200: $47.30

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CCBG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CCBG Butterfly Map → + Track CCBG →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

6.0%/yr Implied 5Y Growth

vs. +1.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CCBG today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CCBG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CCBG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CCBG)

Financials Rank #111 of 1097 ⚔️ GSBC vs CCBG Full Matrix →

1. Head-to-Head Financials Peer Comparison (CCBG vs. GSBC, ORRF, MPB, FCBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Capital City Bank Group (CCBG) ranks #111 by composite RQD confidence (70/100, grade B-) and #580 by equity capitalization ($870.4M). Within this direct 5-issuer industry benchmark cohort, ORRF leads on earnings valuation at 10.8x trailing P/E, while ORRF leads on capital efficiency and profitability with 13.7% ROIC and — gross margin. ORRF currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with CCBG at 70/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CCBG ACTIVE Capital City Bank Group	B-	70/100	14.2x	—	11.1%	+2.14%	$870.4M	Benchmark Subject
GSBC Great Southern Bancorp Inc.	B-	70/100	12.4x	—	11.2%	+1.75%	$873.4M	/gsbc-vs-ccbg →
ORRF Orrstown Financial Services Inc.	B	73/100	10.8x	—	13.7%	+3.07%	$863.9M	/orrf-vs-ccbg →
MPB Mid Penn Bancorp	D+	57/100	15.4x	—	6.9%	+2.37%	$860.4M	/mpb-vs-ccbg →
FCBC First Community Bankshares Inc. (VA)	D+	57/100	72.8x	—	2.4%	+1.68%	$887.7M	/fcbc-vs-ccbg →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000726601 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Capital City Bank Group (CCBG) reported GAAP revenue of $1.84B (+1.4% vs. FY2024 revenue of $1.82B , and +683.3% cumulative change since FY2023) , GAAP net income of $61.6M, operating cash flow of $87.6M, and free cash flow of $80.0M (+45.8% YoY). On the balance sheet, CCBG closed FY2025 with $4.39B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.84B	$61.6M	$87.6M	$80.0M	$4.39B	—
FY2024 (FY)	2024-12-31	$1.82B	$52.9M	$63.6M	$54.9M	$4.32B	—
FY2023 (FY)	2023-12-31	$235.2M	$52.3M	$54.8M	$54.8M	—	—

3. CCBG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CCBG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CCBG compare to GSBC and ORRF in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for CCBG?

Where is CCBG trading relative to its 50-day, 200-day, and 52-week technical levels?

CCBG last traded at $51.95 (+2.14% on volume of 100,785 shares), positioning the stock +3.92% above its 50-day simple moving average ($49.99) and +9.83% above its 200-day simple moving average ($47.30). Across its 52-week range of $38.55 to $53.60, CCBG sits at the 89.0% percentile with a 14-day RSI of 57.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.8% ($49.98 to $53.92).

Direct Sub-Reports: CCBG RQD Cockpit CCBG 12M Forecast CCBG Earnings & Move CCBG Dividends & DRIP CCBG Insiders & 13F CCBG Whale Options CCBG Profit Sankey CCBG News & Why

ROARABLE RATING BRIEF • RQD 70/100 (B-) ✓ SEC XBRL & RQD VERIFIED

CCBG — Capital City Bank Group: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Capital City Bank Group (CCBG) earns a live Roarable RQD composite score of 70/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $51.95 (+2.14% 1D, market capitalization $870.4M).

Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 11.1%, gross margin of —, operating margin of —, and free cash flow yield of 9.14%.
Whale 13F & Options Flow (13/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Capital City Bank Group (CCBG) is listed on NASDAQ and classified in the Financials sector, Major Banks industry,. The profile describes the issuer as operating in this industry with a market capitalization of $0.9B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Capital City Bank Group (CCBG) reported $1.84B in annual revenue (up from $1.82B in FY2024, +1.4% YoY) and $61.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($235.2M revenue, $52.3M net income) through FY2025, CCBG scaled operating cash flow to $87.6M and free cash flow to $80.0M, backed by $4.39B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (B- • RQD 70/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $38.55 – $53.60 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 14.2x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore — The only sector-level context available is that the issuer sits in Financials / Major Banks and that the RQD macro pillar notes sector sensitivity without elaboration.

Key Question #1: Can CCBG sustain or expand its — operating margin and 11.1% ROIC against Major Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $1.84B and free cash flow of $80.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is CCBG's 13.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CCBG Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Capital City Bank Group (CCBG) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CCBG Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 22h ago

Capital City Bank Group (CCBG) Stock Drifts Despite Steady Q3 Earnings

Yahoo Finance report covering Capital City Bank Group (CCBG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE www.debelegger.nl • 1d ago

Capital City Bank Group (CCBG) Stock Price, Chart & Analysis

www.debelegger.nl report covering Capital City Bank Group (CCBG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Why Capital City Bank (CCBG) is a Great Dividend Stock Right Now

Yahoo Finance report covering Capital City Bank Group (CCBG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Third-quarter results from Capital City Bank Group are scheduled before markets open Oct. 20.

Stock Titan report covering Capital City Bank Group (CCBG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Investing.com • 1d ago

How Fair Value analysis spotted Capital City Bank’s 74% gain

Investing.com report covering Capital City Bank Group (CCBG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE marketscreener.com • 1d ago

Earnings Flash (CCBG) Capital City Bank Group, Inc. Reports Q3 Revenue $64.4M, vs. FactSet Est of $65.5M

marketscreener.com report covering Capital City Bank Group (CCBG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quiver Quantitative • 1d ago

Capital City Bank Group Reports $16.9 Million Third-Quarter Net Income

Quiver Quantitative report covering Capital City Bank Group (CCBG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Investing.com • 1d ago

Capital City Bank Group director William Butler buys $20,019 in stock

Investing.com report covering Capital City Bank Group (CCBG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CCBG Bull vs. Bear Conversation Board — What's Your Call at $51.95?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CCBG 🐻 33% BEARISH CONVICTION

TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $65.10 (+28.0%)

📌 Pinned Debate

Per the RQD rating, CCBG generates an 11.1% ROIC and a 9.14% FCF yield while insider flow scores 16 of 20.

Picked up a starter position in CCBG in my $100K Virtual Cash book at $50.86. Per the RQD rating, CCBG generates an 11.1% ROIC and a 9.14% FCF yield while insider flow scores 16 of 20.. Trading inside a $38.55–$53.60 52-week range with 9.14% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

ArenaChamp_24 🐂 BULL

@TapeReader_Pro Agree on the RQD 70/100 quality, though with 1.0 beta I'm scaling in with half-size at $50.86 and keeping dry powder in case we test $47.30.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $42.21 (-17.0%)

Spot @ $50.86

Valuation & margin reality check on CCBG at $50.86 before chasing here

Fading this rally in CCBG at $50.86. Valuation & margin reality check on CCBG at $50.86 before chasing here. With a beta of 1.0 and the stock sitting at $50.86 (52-wk range $38.55–$53.60), the easy multiple expansion is already priced in.