Capital City Bank Group, Inc. (CCBG) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
9.39
+6% vs avg
5yr avg: 8.89
30Y Low2.5·High60.7
P/FCF
↑
10.10
↑+23% vs avg
5yr avg: 8.23
30Y Low3.6·High24.6
P/B Ratio
↑
1.46
+17% vs avg
5yr avg: 1.24
30Y Low0.6·High3.0
ROE
↑
11.7%
↓+11% vs avg
5yr avg: 10.6%
30Y Low-1%·High15%
Debt/EBITDA
↓
1.04
↓-27% vs avg
5yr avg: 1.44
30Y Low1.0·High32.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CCBG Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Capital City Bank Group, Inc. trades at 13.1x earnings, roughly in line with its 5-year average of 12.6x, sitting at the 15th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a discount of 6%. On a free-cash-flow basis, the stock trades at 10.1x P/FCF, 23% above the 5-year average of 8.2x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $808M | $730M | $622M | $501M | $552M | $446M | $413M | $513M | $396M | $390M | $349M |
| Enterprise Value | $839M | $761M | $633M | $506M | $590M | $469M | $481M | $519M | $409M | $406M | $382M |
| P/E Ratio → | 13.09 | 11.82 | 11.75 | 9.59 | 16.50 | 13.33 | 13.07 | 16.67 | 15.07 | 35.84 | 29.68 |
| P/S Ratio | 2.89 | 2.61 | 2.37 | 2.04 | 2.75 | 2.15 | 1.95 | 3.21 | 2.73 | 2.95 | 2.72 |
| P/B Ratio | 1.46 | 1.32 | 1.26 | 1.12 | 1.39 | 1.13 | 1.21 | 1.57 | 1.31 | 1.37 | 1.27 |
| P/FCF | 10.10 | 9.12 | 11.33 | 10.49 | 6.39 | 3.81 | — | 10.28 | 11.95 | 11.22 | 19.23 |
| P/OCF | 9.22 | 8.33 | 9.78 | 9.15 | 5.96 | 3.65 | — | 9.56 | 11.44 | 10.06 | 15.45 |
P/E links to full P/E history page with 30-year chart
CCBG EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Capital City Bank Group, Inc.'s enterprise value stands at 9.4x EBITDA, 6% above its 5-year average of 8.9x. The Financial Services sector median is 11.5x, placing the stock at a 19% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.72 | 2.42 | 2.06 | 2.94 | 2.26 | 2.27 | 3.24 | 2.82 | 3.07 | 2.97 |
| EV / EBITDA | 9.39 | 8.51 | 8.63 | 7.04 | 12.08 | 8.20 | 8.00 | 11.04 | 11.34 | 13.71 | 15.52 |
| EV / EBIT | 10.03 | 9.09 | 9.66 | 7.93 | 14.37 | 9.48 | 9.10 | 12.73 | 13.80 | 17.61 | 21.67 |
| EV / FCF | — | 9.51 | 11.54 | 10.61 | 6.83 | 4.01 | — | 10.39 | 12.34 | 11.68 | 21.00 |
CCBG Profitability
Margins and return-on-capital ratios measuring operating efficiency
Capital City Bank Group, Inc. earns an operating margin of 30.0%, above the Financial Services sector average of 20.2%. Operating margins have expanded from 26.0% to 30.0% over the past 3 years, signaling improving operational efficiency. ROE of 11.7% is modest. ROIC of 10.3% represents solid returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 87.1% | 87.1% | 84.8% | 87.1% | 92.8% | 99.1% | 93.1% | 92.8% | 93.2% | 95.3% | 96.9% |
| Operating Margin | 30.0% | 30.0% | 25.0% | 26.0% | 20.5% | 23.9% | 25.0% | 25.5% | 20.4% | 17.4% | 13.7% |
| Net Profit Margin | 22.0% | 22.0% | 20.2% | 21.3% | 16.7% | 16.1% | 14.9% | 19.2% | 18.1% | 8.2% | 9.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.7% | 11.7% | 11.2% | 12.4% | 8.4% | 9.1% | 9.4% | 9.8% | 8.9% | 3.9% | 4.3% |
| ROA | 1.4% | 1.4% | 1.2% | 1.2% | 0.8% | 0.8% | 0.9% | 1.0% | 0.9% | 0.4% | 0.4% |
| ROIC | 10.3% | 10.3% | 8.8% | 9.2% | 6.2% | 7.7% | 9.1% | 7.9% | 6.0% | 4.8% | 3.4% |
| ROCE | 3.4% | 3.4% | 11.0% | 11.7% | 7.9% | 9.7% | 11.3% | 9.6% | 7.1% | 5.5% | 4.1% |
CCBG Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Capital City Bank Group, Inc. carries a Debt/EBITDA ratio of 1.0x, which is manageable (75% below the sector average of 4.3x). Net debt stands at $31M ($93M total debt minus $62M cash). Interest coverage of just 2.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.17 | 0.17 | 0.17 | 0.20 | 0.28 | 0.22 | 0.40 | 0.20 | 0.25 | 0.26 | 0.29 |
| Debt / EBITDA | 1.04 | 1.04 | 1.12 | 1.23 | 2.26 | 1.55 | 2.26 | 1.40 | 2.08 | 2.51 | 3.27 |
| Net Debt / Equity | — | 0.06 | 0.02 | 0.01 | 0.10 | 0.06 | 0.20 | 0.02 | 0.04 | 0.06 | 0.12 |
| Net Debt / EBITDA | 0.35 | 0.35 | 0.16 | 0.08 | 0.78 | 0.40 | 1.13 | 0.12 | 0.36 | 0.54 | 1.31 |
| Debt / FCF | — | 0.39 | 0.21 | 0.11 | 0.44 | 0.20 | — | 0.11 | 0.39 | 0.46 | 1.77 |
| Interest Coverage | 2.56 | 2.56 | 1.84 | 2.89 | 5.96 | 14.17 | 10.86 | 4.29 | 4.30 | 5.84 | 5.52 |
CCBG Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.24x means Capital City Bank Group, Inc. can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has improved from 0.11x to 1.24x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.24 | 1.24 | 0.13 | 0.11 | 0.12 | 0.19 | 0.12 | 0.17 | 0.20 | 0.22 | 0.24 |
| Quick Ratio | 1.24 | 1.24 | 0.13 | 0.11 | 0.12 | 0.19 | 0.12 | 0.17 | 0.20 | 0.22 | 0.24 |
| Cash Ratio | 1.24 | 1.24 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.04 | 0.05 | 0.06 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CCBG Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Capital City Bank Group, Inc. returns 2.1% to shareholders annually primarily through dividends. The payout ratio of 27.7% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.1% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 27.7% | 27.7% | 28.2% | 24.7% | 33.5% | 31.3% | 30.3% | 26.1% | 20.8% | 37.5% | 24.6% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.6% | 8.5% | 8.5% | 10.4% | 6.1% | 7.5% | 7.6% | 6.0% | 6.6% | 2.8% | 3.4% |
| FCF Yield | 9.9% | 11.0% | 8.8% | 9.5% | 15.6% | 26.2% | — | 9.7% | 8.4% | 8.9% | 5.2% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 2.1% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $17M | $17M | $17M | $17M | $17M | $17M | $17M | $17M | $17M | $17M |
Peer Comparison
Compare CCBG with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CCBGYou | $808M | 13.1 | 9.4 | 10.1 | 87.1% | 30.0% | 11.7% | 10.3% | 1.0 |
 SBCF | $3B | 20.3 | 23.0 | 17.5 | 61.6% | 21.4% | 5.5% | 3.9% | 7.2 |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 HBCP | $534M | 11.6 | 7.8 | 12.0 | 70.5% | 27.7% | 11.1% | 7.7% | 1.0 |
 SFBS | $5B | 16.3 | 17.3 | 12.9 | 51.8% | 33.6% | 16.0% | 7.3% | 4.4 |
 CNOB | $2B | 22.1 | 24.2 | 16.3 | 44.2% | 18.6% | 5.7% | 3.5% | 10.4 |
 ABCB | $6B | 14.8 | 12.3 | 16.4 | 68.3% | 32.0% | 10.5% | 8.9% | 1.4 |
 SMBC | $804M | 14.0 | 9.0 | 10.7 | 57.7% | 24.2% | 11.3% | 8.5% | 1.7 |
 FBNC | $3B | 23.1 | 16.1 | 12.9 | 70.1% | 26.6% | 7.2% | 6.8% | 0.5 |
 GABC | $2B | 15.0 | 13.1 | 11.2 | 70.2% | 28.7% | 12.0% | 9.3% | 1.3 |
 SRCE | $2B | 12.2 | 10.2 | 9.0 | 70.3% | 34.2% | 12.7% | 9.7% | 1.6 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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Run the NumbersIs CCBG Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
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Compare NowCCBG — Frequently Asked Questions
Quick answers to the most common questions about buying CCBG stock.
What is Capital City Bank Group, Inc.'s P/E ratio?
Capital City Bank Group, Inc.'s current P/E ratio is 13.1x. The historical average is 22.2x. This places it at the 15th percentile of its historical range.
What is Capital City Bank Group, Inc.'s EV/EBITDA?
Capital City Bank Group, Inc.'s current EV/EBITDA is 9.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 14.7x.
What is Capital City Bank Group, Inc.'s ROE?
Capital City Bank Group, Inc.'s return on equity (ROE) is 11.7%. The historical average is 8.4%.
Is CCBG stock overvalued?
Based on historical data, Capital City Bank Group, Inc. is trading at a P/E of 13.1x. This is at the 15th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Capital City Bank Group, Inc.'s dividend yield?
Capital City Bank Group, Inc.'s current dividend yield is 2.11% with a payout ratio of 27.7%.
What are Capital City Bank Group, Inc.'s profit margins?
Capital City Bank Group, Inc. has 87.1% gross margin and 30.0% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Capital City Bank Group, Inc. have?
Capital City Bank Group, Inc.'s Debt/EBITDA ratio is 1.0x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.