Capital City Bank Group, Inc. (CCBG)
Valuation Overview•Is Capital City Bank Group, Inc. Overvalued or Undervalued?
The market is pricing the stock in line with historical averages, assuming steady-state growth.
High-quality fundamentals with a strong composite quality score of 77/100, backed by robust profitability and solvency.
Analysts remain cautious, with consensus price targets indicating limited room for upside expansion.
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Verdict: Solid fundamental quality, though solvency presents a headwind.
Wall Street is cautious, forecasting potential downside with steady expected earnings growth. However, capital return yields remain modest, anchored by a strong, well-covered dividend yield.
CCBG demonstrates strong business quality with robust profitability and healthy margins. This is paired with a moderately leveraged but stable balance sheet.
The company demonstrates solid revenue growth (8.3% 3Y CAGR) paired with highly explosive earnings growth (22.3% EPS 3Y CAGR). This growth is supported by elite operational efficiency, sustaining an impressive 34.3% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $64.4M | +8.9% | +8.3% | +3.6% | +6.6% | |
| EBITDA | $22.2M | — | +23.2% | — | — | |
| Net Income | $16.9M | +16.3% | +22.6% | — | +21.0% | |
| EPS (Diluted) | $0.99 | +15.4% | +22.3% | +13.9% | +21.1% | |
| Free Cash Flow | $0.00 | +45.8% | -2.5% | — | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 102.7% | 97.5% | 97.8% | 97.9% |
| Operating Margin | 34.3% | 30.5% | 27.4% | 24.3% |
| Net Margin | 25.4% | 23.9% | 21.1% | 17.8% |
| FCF Margin | 20.3% | 26.0% | 36.0% | 25.0% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q4'26Latest | $0.94 | $0.99 | +5.9% | ||
| Q3'26 | $0.90 | $0.95 | +5.2% | ||
| Q2'26 | $0.85 | $0.92 | +8.2% | ||
| Q1'26 | $0.89 | $0.80 | -10.1% | ||
| Q4'25 | $0.87 | $0.93 | +7.3% | ||
| Q3'25 | $0.79 | $0.88 | +11.8% | ||
| Q2'25 | $0.74 | $0.99 | +33.8% | ||
| Q1'25 | $0.73 | $0.77 | +5.5% |
Total return is +29.4% (1Y), outperforming the benchmark by +19.7%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +20.8% | +13.2% | — |
| 1Y | +29.4% | +19.7% | +2.7% |
| 3YCAGR | +21.4% | +2.3% | +9.7% |
| 5YCAGR | +13.9% | +4.5% | +15.0% |
| 10YCAGR | +14.2% | +1.0% | — |
The S&P 500 is at 29.9x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Capital City Bank Group, Inc. (CCBG) valuation, health, and returns.
Based on peer relative multiples, Capital City Bank Group, Inc. appears Fair versus peers compared to industry peers.
Capital City Bank Group, Inc. has multiple valuation anchors: Peer Relative Fair Value: $48.09 | Wall Street Analyst Target: $39.75 (implying -21.0% upside). A convergence of these signals offers higher conviction.
Capital City Bank Group, Inc. displays good financial health with a composite quality score of 77/100, supported by a Piotroski F-Score of 7/9, Return on Invested Capital (ROIC) of 10.3%.
Capital City Bank Group, Inc. pays a 2.0% dividend yield, covered by a 28% payout ratio with 11 years of growth, supplemented by a 0.0% buyback yield.
Capital City Bank Group, Inc.'s current growth trajectory is Stable. The company achieved +8.9% 1Y revenue growth and +15.4% 1Y EPS growth, compared to its 3Y revenue CAGR of +8.3%.
Wall Street consensus is Hold based on 7 analysts, beating EPS expectations in 83% of recent quarters with a 3-quarter streak. The consensus price target represents a -21.0% change from current levels.
Investment risks for Capital City Bank Group, Inc. include: -12.9% 1-year max drawdown. Volatility risk is characterized by a beta of 0.25x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.