Capital City Bank Group (CCBG) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Capital City Bank Group stock $32.06, price $50.31, that is 36.3% below the price, quality 60 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
- Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free
Capital City Bank Group
CCBG · USOur calculation puts a fair price 36% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $19.65 – $52.56 · fair‑value band $28.75 – $40.05 · the $50.31 price screens above the $32.06 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
Every Wednesday you see whether Capital City Bank is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
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.
Show moreShow less
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.
Stock analysis
Capital City Bank Group (CCBG) currently trades at $50.31, while our model-based Fair Value estimate is $32.06, 36% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $42.35 per share, and 0 of the 6 models we run sit above the $50.31 price.
Bear case: the Dividend Discount group reads lowest at $13.54, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $28.75 (bear) to $40.05 (bull), the price of $50.31 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
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.
Key figures
Market cap $862M Small · P/E ratio 13.8 · P/S ratio 3.42 · EPS (TTM) $3.64 · Dividend yield 2.1% · Net margin 24.9% · Return on equity 11.3% · Return on assets (EBIT) 1.4% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (medium confidence).
What moves the price
The share trades about 4% below its 52-week high and 31% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −36%, CCBG screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $20,019, on Oct 26, 2026. Over the same period, one person sold shares worth $278,280.
- BuyWilliam F ButlerDirector392 shares at $51.07$20,019Oct 26, 2026
- SaleThomas A BarronTREASURER, Director6,000 shares at $46.38$278,280May 26, 2026
Plus 18 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
CCBG screens overvalued: fair value 36% below the price. Compare with China Merchants Bank Co →
Compare Capital City Bank Group with another stock
Price, fair value, quality and upside side by side.
Peer Groupⓘ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.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on assets by industry
- Fair value gap by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs CCBG |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs CCBG |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs CCBG |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs CCBG |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs CCBG |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs CCBG |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs CCBG |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs CCBG |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs CCBG |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs CCBG |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Capital City Bank Group (CCBG) overvalued or undervalued?
What is the fair value of CCBG?
What is the quality score of CCBG?
What is the price target for Capital City Bank Group (CCBG)?
What is the Capital City Bank Group stock forecast for 2026?
What is the revenue of Capital City Bank Group (CCBG)?
Does Capital City Bank Group pay a dividend?
How much is the dividend of Capital City Bank Group (CCBG) and when is the ex-dividend date?
What is the intrinsic value of Capital City Bank Group (CCBG)?
Is Capital City Bank Group stock overvalued or undervalued in 2026?
Is fair value the same as the market price of CCBG?
How much is Capital City Bank Group worth?
What do the bullish and bearish scenarios say about CCBG?
What is the P/E ratio of CCBG?
What is the PEG ratio of CCBG?
How solid is the balance sheet of Capital City Bank Group (CCBG)?
How far is CCBG from its 52-week high?
Which stocks are comparable to Capital City Bank Group?
Is Capital City Bank Group stock attractive at the current price?
How is the fair value of CCBG calculated?
Is it still worth investing in stocks now?
What is the share price of Capital City Bank Group (CCBG)?
What should I pay attention to with Capital City Bank Group right now?
Where does the earnings growth of Capital City Bank Group (CCBG) come from?
Key figures of Capital City Bank Group
How large is the market capitalisation of Capital City Bank Group (CCBG)?
What is the P/S ratio of Capital City Bank Group (CCBG)?
What are the earnings per share of Capital City Bank Group (CCBG)?
What is the dividend yield of Capital City Bank Group (CCBG)?
What is the net margin of Capital City Bank Group (CCBG)?
What is the return on equity of Capital City Bank Group (CCBG)?
What is the EBIT return on assets of Capital City Bank Group (CCBG)?
What is the operating margin of Capital City Bank Group (CCBG)?
How fast is revenue growing at Capital City Bank Group (CCBG)?
How fast are earnings growing at Capital City Bank Group (CCBG)?
How much free cash flow does Capital City Bank Group (CCBG) generate?
How much net debt does Capital City Bank Group (CCBG) carry?
Watch Capital City Bank Group in the live analysis
One click puts Capital City Bank Group on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.