Capital City Bank Group Inc (CCBG) stock analysis

P/E above its 5-year median

Capital City Bank's P/E of 14.0 is above its own 5-year median of 12.6.

P/E above the industry

Capital City Bank's P/E of 14.0 is above the Commercial Banks median of 12.1.

P/S below the industry

Capital City Bank's price-to-sales of 3.43 is below the Commercial Banks median of 3.60.

P/B above the industry

Capital City Bank's price-to-book of 1.53 is above the Commercial Banks median of 1.29.

Trading above fair value

The share price of $51.15 is above our fair value estimate of $44.35.

Margin of safety under 20%

The price is 15.3% above fair value, so there is no margin of safety.

Revenue growing under 10% a year

Revenue grew 8.3% a year over the last three fiscal years, short of the 10% we look for.

EPS growing 10%+ a year

Diluted EPS grew 22.3% a year over the last three fiscal years.

Earnings growth not accelerating

Net income grew 2.9% over the last twelve months, against a 5-year average of 14.3% a year.

Growing slower than the industry

Revenue grew 2.0% over the last twelve months; the Commercial Banks median is 11.3%.

Guidance lowered

Capital City Bank lowered its 2026 annual effective tax rate outlook on Jul 21, 2026.

Gross margin trend

Banks and insurers do not report gross profit.

Return on equity under 15%

Return on equity was 11.3% over the last twelve months and averaged 10.8% over five years; we look for 15% on both.

Return on assets over 1%

Return on assets was 1.4%; for a bank or insurer, 1% or more is considered good.

Return on equity below the industry

Capital City Bank's return on equity of 11.3% is below the Commercial Banks median of 11.5%.

Earnings grew over 5 years

Net income grew 14.3% a year on average over the last five fiscal years.

Net margin above its 5-year average

Net margin was 24.6% over the last twelve months, against a 5-year average of 20.4%.

Net margin below the industry

Capital City Bank's net margin of 24.6% is below the Commercial Banks median of 30.3%.

Well capitalized

Equity is 13.1% of total assets; 8% or more is a comfortable cushion.

Loans funded by deposits

Needs loans and deposits.

Adequate loan-loss reserve

The allowance for credit losses is not reported.

High cost base

Non-interest expense takes 66.2% of revenue; under 60% is efficient for a bank.

Deposits growing

Deposits grew 1.4% over the past year.

Modest borrowings

Borrowings other than deposits are 6.8% of equity.

Pays a dividend

Capital City Bank paid dividends worth 2.1% of the share price over the last twelve months.

Yield below Treasuries

The 2.1% yield is below the 4.4% on a 1-year Treasury.

Yield below the top quarter

The top quarter of US dividend payers yield 3.8% or more; Capital City Bank yields 2.1%.

Dividend not cut

The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

Covered by earnings

Dividends take 29.2% of net income.

Covered by free cash flow

Dividends take 29.9% of free cash flow.