Amerant vs Capital City Bank Group

On this page we compare Amerant Bancorp Inc and Capital City Bank Group Inc, examining business models, financial performance, and market context in a neutral, accessible way. The discussion covers strategy, profitability, and market positioning to help readers understand each company’s approach. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AMTB

Metric

CCBG

$840.58M

Market Cap

$750.52M

-0.46%

Potential Profit

-8.52%

Buy

Analyst Rating

Buy

Investment Analysis

Amerant

AMTB

Pros

Amerant Bancorp has returned to profitability after several years of losses, with a projected annual earnings growth rate above the US market average.
The company maintains a strong pre-provision net revenue, indicating solid underlying business performance despite recent credit loss provisions.
Amerant is trading at a price-to-earnings ratio below the broader banking sector, suggesting potential valuation appeal for investors.

Considerations

Third quarter 2025 earnings fell short of analyst expectations, with net income and EPS both below prior quarters and market forecasts.
Management has prioritised asset quality over loan growth, resulting in higher credit loss provisions and a temporary pause in expansion.
Revenue growth forecasts remain below the US market average, and the company's recent profitability limits historical comparability for forward projections.

Capital City Bank Group

CCBG

Pros

Capital City Bank Group maintains a stable market capitalisation and consistent share count, supporting investor confidence in its size and liquidity.
The bank operates with a focused regional footprint, allowing for targeted customer relationships and local market expertise.
Capital City Bank Group has a history of regular dividend payments, reflecting a commitment to shareholder returns.

Considerations

The bank's share price has experienced moderate volatility, with a notable range between its annual high and low, indicating potential short-term risk.
Limited public disclosure of recent earnings or strategic initiatives may reduce transparency for investors seeking detailed operational updates.
Regional banks like Capital City Bank Group can be more exposed to local economic fluctuations and sector-specific risks compared to larger national peers.

About The Companies

Amerant (AMTB)

Amerant Bancorp Inc. is a bank holding company operating through its main subsidiary, Amerant Bank. It offers a comprehensive suite of financial services to individuals, businesses, and high-net-worth clients. These services include standard retail and commercial banking, such as deposits and credit, alongside more specialised offerings like wealth management, investment products, and fiduciary services. For affluent customers, Amerant provides sophisticated trust and estate planning solutions. The company has embraced digital banking, offering a full range of online and mobile services, which complements its traditional branch-based operations. For investors, Amerant represents a company with deep roots in the financial services industry, attempting to blend traditional banking with modern convenience. As with any financial institution, its performance can be influenced by economic conditions and interest rate changes. The value of investments can go down as well as up.

Capital City Bank Group (CCBG)

Capital City Bank Group, Inc. is a financial holding company that delivers a broad spectrum of banking and related services through its main subsidiary, Capital City Bank. Catering to both individual and corporate clients, its offerings span traditional deposit and credit services, mortgage banking, asset management, and trust services. The group also provides merchant services, bank cards, and financial advisory, which includes securities brokerage and insurance products. With a strong regional presence, it operates approximately 62 banking offices and over 100 automated teller machines (ATMs) across Florida, Georgia, and Alabama. The business is structured around two key areas: traditional Banking Services and comprehensive Wealth Management Services. This model allows it to serve a wide range of customer financial needs. As with any investment, it's important to remember that the value of shares can fall as well as rise.

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Comparison Snapshot