Latest Ratios: P/E Ratio 13.8x · EV/EBITDA 10.1x · ROE 11.7%. (1996–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $860M | $730M | $622M | $501M | $552M | $446M | $413M | $513M | $396M | $390M | $349M |
| Enterprise Value | $892M | $761M | $633M | $506M | $590M | $469M | $481M | $519M | $409M | $406M | $382M |
| P/E Ratio → | 13.75 | 11.82 | 11.75 | 9.59 | 16.50 | 13.33 | 13.07 | 16.67 | 15.07 | 35.84 | 29.68 |
| P/S Ratio | 3.48 | 2.96 | 2.75 | 2.24 | 2.84 | 2.19 | 2.00 | 3.41 | 2.87 | 3.04 | 2.79 |
| P/B Ratio | 1.56 | 1.32 | 1.26 | 1.12 | 1.39 | 1.13 | 1.21 | 1.57 | 1.31 | 1.37 | 1.27 |
| P/FCF | 17.15 | 9.12 | 11.33 | 10.49 | 6.39 | 3.81 | — | 10.28 | 11.95 | 11.22 | 19.23 |
| P/OCF | 9.82 | 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
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.09 | 2.80 | 2.26 | 3.04 | 2.30 | 2.33 | 3.45 | 2.96 | 3.16 | 3.05 |
| EV / EBITDA | 10.09 | 8.34 | 8.63 | 7.04 | 12.08 | 8.20 | 8.00 | 11.04 | 11.34 | 13.71 | 15.52 |
| EV / EBIT | 10.65 | 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 |
Margins and return-on-capital ratios measuring operating efficiency
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 | 98.7% | 98.7% | 98.2% | 95.7% | 95.9% | 100.8% | 95.3% | 98.7% | 97.9% | 98.3% | 99.3% |
| Operating Margin | 34.0% | 34.0% | 28.9% | 28.6% | 21.1% | 24.3% | 25.6% | 27.1% | 21.5% | 18.0% | 14.1% |
| Net Profit Margin | 25.0% | 25.0% | 23.4% | 23.4% | 17.2% | 16.4% | 15.3% | 20.5% | 19.0% | 8.5% | 9.4% |
| 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% |
Solvency and debt-coverage ratios — lower is generally safer
| 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 | 1.02 | 1.02 | 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 | 0.34 | 0.34 | 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 |
Short-term solvency ratios and asset-utilisation metrics
| 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 | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
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 | 2.0% | 2.3% | 2.4% | 2.6% | 2.0% | 2.3% | 2.3% | 1.6% | 1.4% | 1.0% | 0.8% |
| Payout Ratio | 27.7% | 27.7% | 28.2% | 24.7% | 33.5% | 31.3% | 30.3% | 26.1% | 20.8% | 37.5% | 24.6% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.3% | 8.5% | 8.5% | 10.4% | 6.1% | 7.5% | 7.6% | 6.0% | 6.6% | 2.8% | 3.4% |
| FCF Yield | 5.8% | 11.0% | 8.8% | 9.5% | 15.6% | 26.2% | — | 9.7% | 8.4% | 8.9% | 5.2% |
| Buyback Yield | 0.0% | 0.0% | 0.4% | 0.7% | 0.0% | 0.0% | 0.5% | 0.4% | 2.0% | 0.0% | 1.8% |
| Total Shareholder Yield | 2.0% | 2.3% | 2.8% | 3.3% | 2.0% | 2.3% | 2.8% | 1.9% | 3.4% | 1.0% | 2.6% |
| Shares Outstanding | — | $17M | $17M | $17M | $17M | $17M | $17M | $17M | $17M | $17M | $17M |
Includes 30+ ratios · 30 years · Updated daily
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Quick answers to the most common questions about buying CCBG stock.
Capital City Bank Group, Inc.'s current P/E ratio is 13.8x. The historical average is 22.2x. This places it at the 19th percentile of its historical range.
Capital City Bank Group, Inc.'s current EV/EBITDA is 10.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 14.7x.
Capital City Bank Group, Inc.'s return on equity (ROE) is 11.7%. The historical average is 8.4%.
Based on historical data, Capital City Bank Group, Inc. is trading at a P/E of 13.8x. This is at the 19th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Capital City Bank Group, Inc.'s current dividend yield is 1.98% with a payout ratio of 27.7%.
Capital City Bank Group, Inc. has 98.7% gross margin and 34.0% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Capital City Bank Group, Inc.'s Debt/EBITDA ratio is 1.0x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.
Key Metrics
Top Statement Risk
Florida real estate lending concentration
Metrics are mathematically derived from official filings.
Premium Multiple Despite Modest Returns
Based on CCBG's reported figures, the stock trades at 1.56x book and 13.97x trailing earnings, a valuation that appears to price in a durable low-cost deposit franchise rather than current return levels near 3% ROE.
The P/B of 1.56 and tangible book value per share near $28 against a $50.31 price imply the market is paying a stability premium for the funding base rather than expecting ROTCE to approach the levels seen at higher-return regional peers. A P/E of 13.97 and forward P/E of 13.26 suggest modest expected earnings growth, consistent with a PEG near 1.0. Investors should monitor whether the premium holds if ROE remains anchored in the 2.5% to 3.3% range over subsequent quarters.
Spread-Driven ROE Held Back by Leverage
Reported ROE stayed between 2.5% and 3.3% over ten quarters, with ROA near 0.4%, indicating that a NIM of roughly 1.0% and a very high equity-to-assets ratio of about 13% constrain the return on shareholder capital.
Decomposing ROE, the low ROA reflects a thin NIM and a balance sheet heavy in securities rather than higher-yielding loans, while the equity-to-assets ratio of roughly 0.13 magnifies the capital cushion and dilutes returns. The stability of ROE within a narrow band suggests a predictable but low-return franchise. Improvement would likely require either a higher loan mix or deployment of excess capital, neither of which the reported figures clearly show yet.
Stable Spread Meets Variable Efficiency
As reported in the ratio series, NIM held near 1.0% while the efficiency ratio ranged from 61.4% to 75.8%, suggesting the margin is steady but cost discipline has been uneven across quarters.
A stable NIM near 1.0% points to a low-cost deposit base that protects spread during rate shifts, which is the core of the franchise thesis. The efficiency ratio swing of more than 14 percentage points, however, indicates that non-interest expense or fee revenue timing is driving variability rather than a structural trend. The most recent readings near 65.7% suggest operating leverage is contained, though investors should watch whether the trough quarters reflect fee cyclicality.
Capital Surplus Limits Return Pressure
Based on reported figures, the equity-to-assets ratio of roughly 13% and a debt-to-equity near 0.17% indicate a capital base well above what the balance sheet appears to require, creating optionality for future capital return.
The high capital cushion reduces near-term solvency risk and leaves room for buybacks or larger dividends, though the reported ratios do not disclose CET1 or Tier 1 levels, so regulatory headroom cannot be confirmed from this data. Excess capital at this scale also explains part of the low ROE, as equity grows faster than earnings. Investors should monitor whether management deploys this capital or allows it to accumulate.
Book Value Premium Versus Return Gap
The most commonly misapplied metric here is P/E, since provision reversals such as the 2026Q1 release can inflate or depress reported earnings and make the 13.97 multiple look more stable than the underlying spread income supports.
P/E obscures reserve timing effects, and the 2026Q1 provision reversal implies that headline earnings in that quarter reflected reserve release rather than core spread income. Price-to-tangible-book, paired with a normalized ROTCE that strips provision timing, offers a cleaner read on whether the 1.56x multiple is justified. Based on reported figures, investors may wish to test the valuation against earnings excluding reserve movements before concluding the premium is warranted.