# Capital City Bank Group (CCBG) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $51.28, market value $878 million.

## Valuation
- **P/E (trailing): 14.0×** (5-yr avg 11.8×, 3-yr avg 10.7×). Capital City Bank Group trades at 14.0× trailing earnings, close to its own five-year average of 11.8×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 13.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.89**. A PEG of 0.89 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.5×**. The shares trade at 1.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.0%** (5-yr avg 15.4%). Free cash flow equals 7.0% of the market value, below its five-year average of 15.4%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 7.1%**. The inverse of the P/E: 7.1% of the price is earned each year.

## Profitability
- **Return on equity: 11.1%**. 11.1% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 15.4%** (3-yr 22.3%/yr, 5-yr 13.9%/yr). Earnings per share rose 15.4%.
- **Free-cash-flow growth (3 yr): -2.5%/yr**. Free cash flow has compounded at -2.5% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.10%** ($1.07 per share, trailing). Capital City Bank Group yields 2.10%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 28%** (30% of free cash flow). 28% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 12**. 12 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 11.9%/yr** (1-yr 13.6%). The dividend has compounded at 11.9% a year over five years, doubling roughly every 6 years at that pace.

## Analyst view
- **Analyst consensus: hold** (3 analysts). 3 analysts cover Capital City Bank Group; the consensus is hold, with an average price target of $51.83 (+1% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 36.0%** (YTD 23.5%, 3-mo -1.0%). The shares are up 36.0% over twelve months including dividends.
- **From 52-week high: -4.3%** (32.2% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 66**. An RSI of 66 is neutral.
- **Beta (1 yr): 0.29** (volatility 22%). Beta of 0.29 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CCBG · Page: https://foliofundamentals.com/stocks/ccbg

Not investment advice.