Capital City Bank Group (CCBG) Fair Value & Analysis

Financial Services · US · Market cap $812M

A solid business, but screening 10% overvalued on our models.

What matters now

• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
• Our model range runs from $35.10 (bear) to $58.49 (bull), base $46.79. The closer the price sits to the lower half, the larger the margin of safety.
• Quality 62/100 (solid quality) with high evidence: the data supports the verdict.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $19.75 – $52.84 · fair‑value band $35.10 – $58.49 · the $52.01 price screens above the $46.79 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.

Full chart & analysis →

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Analysis

Capital City Bank Group (CCBG) currently trades at $52.01, while our model-based Fair Value estimate is $46.79, implying the stock looks roughly 10.0% overvalued today. The Quality Score stands at 62/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Capital City Bank Group generated revenue of $250M at a net margin of 24.2%. Revenue grew 2.2% year over year. It earns a return on equity of 11.3%. Net debt stands at $31.2M. Fundamentals as of Jul 26, 2026

Our scenario range runs from $35.10 (bear case) to $58.49 (bull case); at $52.01, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 45% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -10%, CCBG screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($45.26) versus Dividend Discount ($10.97). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Capital City Bank Group reported revenue of $279M in FY2025 versus $207M in FY2021, a compound +7.7%/yr. Reported net income was $61.6M in FY2025, compounding +16.5%/yr from FY2021.

CCBG screens 10% overvalued. Compare with PT Bank Central Asia Tbk →

Earlier news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

• Capital City Bank (CCBG) Beats Q2 Earnings and Revenue Estimates Yahoo Finance · Jul 21, 2026
• Capital City Bank Group, Inc. Announces Cash Dividend GlobeNewswire · May 20, 2026
• Capital City Bank Group, Inc. to Announce Quarterly Earnings Results on Monday, April 20, 2026 GlobeNewswire · Apr 8, 2026

Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.