Capital City Bank Group (CCBG) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Capital City Bank Group stock (CCBG) is currently trading at $43.02. Capital City Bank Group PE ratio is 11.63. Capital City Bank Group PS ratio (Price-to-Sales) is 2.89. Analyst consensus price target for CCBG is $45.50. WallStSmart rates CCBG as Hold.
- CCBG PE ratio analysis and historical PE chart
- CCBG PS ratio (Price-to-Sales) history and trend
- CCBG intrinsic value — DCF, Graham Number, EPV models
- CCBG stock price prediction 2025 2026 2027 2028 2029 2030
- CCBG fair value vs current price
- CCBG insider transactions and insider buying
- Is CCBG undervalued or overvalued?
- Capital City Bank Group financial analysis — revenue, earnings, cash flow
- CCBG Piotroski F-Score and Altman Z-Score
- CCBG analyst price target and Smart Rating
Capital City Bank Group
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CCBG Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Capital City Bank Group (CCBG)
CCBG is trading near its Graham intrinsic value of $48.67, suggesting the stock is reasonably priced at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Capital City Bank Group (CCBG) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around revenue growth and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Capital City Bank Group (CCBG) Key Strengths (4)
Keeps $30 of every $100 in revenue after operating costs
Keeps $25 of every $100 in revenue as net profit
Trading at 1.30x book value, attractively priced
50.75% held by institutions, strong professional interest
Supporting Valuation Data
Capital City Bank Group (CCBG) Areas to Watch (6)
Revenue growing slowly at 3.90% annually
Earnings barely growing at 4.20%
Paying a premium for growth, expensive relative to earnings expansion
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 2.89x sales
Capital City Bank Group (CCBG) Detailed Analysis Report
Overall Assessment
This company scores 60/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.0/10) while 6 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.30) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 30.30%, Profit Margin at 24.70%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, PEG Ratio. Some valuation metrics including PEG Ratio (2.40), Price/Sales (2.89) suggest expensive pricing. Growth concerns include Revenue Growth at 3.90%, EPS Growth at 4.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.70% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 3.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CCBG Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CCBG's Price-to-Sales ratio of 2.89x trades 51% above its historical average of 1.91x (85th percentile), historically expensive. The current valuation is 17% below its historical high of 3.47x set in Nov 2018, and 285% above its historical low of 0.75x in May 2012.
WallStSmart Analysis Synopsis
Data-driven financial summary for Capital City Bank Group (CCBG) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Capital City Bank Group is a strong growth company balancing expansion with improving profitability. Revenue reached 249M with 390% growth year-over-year. Profit margins are strong at 24.7%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 390% YoY, reaching 249M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1170.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Capital City Bank Group maintain 390%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 237.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Capital City Bank Group.
Bottom Line
Capital City Bank Group offers an attractive blend of growth (390% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Capital City Bank Group(CCBG)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Capital City Bank Group, Inc. is Capital City Bank's financial holding company providing a range of banking and banking-related services to individual and corporate clients. The company is headquartered in Tallahassee, Florida.