CCBG

Capital City Bank Group, Inc.

Financial Services · $826M market cap

Verdict

Share price

$49.66

close of Oct 3, 2026

Fair value

$60.06

Sticker Price

Payback Price

$24.02

buy price

Undervalued

CCBG is Undervalued: at $49.66 it trades 17% below its fair value of $60.06. Its buy price (Payback Price) is $24.02, 52% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth14.0% a year✓
Equity per share growth3.5% a year✗
Sales growth1.3% a year✗
Free cash flow growth4.5% a year✗
Return on invested capital5.9%✗

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Insider activity

Since Jul 6, 2026: no open-market purchases and 9 other filings (stock awards, tax withholding and similar). Why purchases matter

Other filings

About Capital City Bank Group, Inc.

Capital City Bank Group, Inc. functions as the financial holding company for Capital City Bank, delivering a comprehensive array of financial services to both individual consumers and businesses. Its commercial offerings encompass financing for business properties, equipment, inventories, and accounts receivable, in addition to commercial leasing, letters of credit, treasury management solutions, and merchant credit…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works