Is Capital City Bank Group, Inc. (CCBG) Overvalued?
We dive into why Capital City Bank Group, Inc. (CCBG) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Rosalio Madrigal
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COMPANY SUMMARY
Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking services to individual and corporate clients. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. It also provides commercial and residential real estate lending products, as well as fixed and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans. In addition, the company offers institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Further, it provides consumer banking services comprising checking accounts, savings programs, interactive/automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and online and mobile banking services. Additionally, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and various retail investment products, such as the U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care, as well as business, estate, financial, insurance and business planning, tax planning, and asset protection advisory services. Further, the company offers mortgage banking. Capital City Bank Group, Inc. was founded in 1895 and is headquartered in Tallahassee, Florida.
Commentary & Analysis
What You Need to Know About Capital City Bank Group, Inc.'s Q3 Earnings
Capital City Bank Group, Inc.'s fiscal Q3 earnings report was released on Tuesday, July 21. Let's dive in to see if (CCBG) missed or beat analyst's expectations.Rosalio Madrigal
What You Need to Know About Capital City Bank Group, Inc.'s Q2 Earnings
Capital City Bank Group, Inc.'s fiscal Q2 earnings report was released on Monday, April 20. Let's dive in to see if (CCBG) missed or beat analyst's expectations.Rosalio Madrigal
Why Capital City Bank Group, Inc.’s (CCBG) Stock Is Down 6.49%
As of Wednesday, January 28, Capital City Bank Group, Inc.’s CCBG share price has dipped by 6.49%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
What You Need to Know About Capital City Bank Group, Inc.'s Q1 Earnings
Capital City Bank Group, Inc.'s fiscal Q1 earnings report was released on Tuesday, January 27. Let's dive in to see if (CCBG) missed or beat analyst's expectations.Omar Beirat
Financial Summary
| Share Statistics | CCBG | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $823.1 | $673.5 | 43% |
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| Shares Out (Mil) | 17.1 | 15.4 | 28% |
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| Institutional Ownership | 72.5% | 84.1% | 44% |
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| Float (Mil) | 13.7 | 21.6 | 23% |
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| Beta | 0.34 | 0.45 | 20% |
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| Avg Daily Volume (000s) | 78 | 44 | 33% |
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| Price Change (52-week) |
12.9% | 90.3% | 64% |
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| Growth | CCBG | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 4.2% | 7.7% | 33% |
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| Net Income (5yr) | 14.3% | 11.1% | 62% |
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| EPS (5yr) | 13.9% | 10.0% | 54 |
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| Dividends (5yr) | 11.9% | 3.6% | 80% |
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| Cash Flow (5yr) | (24.4%) | (17.1%) | 26% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 3 | |
| Current EPS | $0.940 | $3.700 | $3.750 | |
| Month Ago EPS | $0.947 | $3.713 | $3.750 | |
| # Rev Up | 1 | 1 | 0 | |
| # Rev Down | 0 | 0 | 1 | |
| Three Months Ago EPS | $0.900 | $3.610 | $3.673 | |
| Year/Year Chg | (1.1%) | 2.8% | na | |
| Financials | CCBG | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $251 | $187 | 34% |
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| Net Income (TTM) (Mil) | $62 | $53 | 56% |
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| EPS (TTM) | $3.613 | $2.600 | 81% |
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| Operating Cash Flow (TTM) (Mil) | $62 | $34 | 48% |
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| Net Cash Flow (TTM) (Mil) | $6 | $2 | 53% |
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| Long-Term Debt (Q1) (Mil) | $58 | $94 | 40% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CCBG | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.44 | 1.23 | 40% |
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| P/E | 13.4 | 12.0 | 34% |
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| Dividend Yield | 2.2% | 2.3% | 77% |
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| PEG (5yr hist) | 1.0 | 1.1 | 46% |
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| Ratios | CCBG | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 24.6% | 29.2% | 83% |
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| ROA | 1.4% | 1.1% | 51% |
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| ROE | 11.3% | 11.3% | 61% |
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| Liabilities to Assets | 87.2% | 89.7% | 81% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 10/9/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.7% |
| +/- S&P 500: | -0.8 |
