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← CockpitCompetitor Analysis › CCBG Capital City Bank Group, Inc.Open in the cockpit ↗

Capital City Bank Group, Inc.CCBGCompetitor analysis, valuation and peers

United States · USD·Financials›Regional Banks
Momentum strong 62
Mkt cap
$861M
US dollars, full cap
Free float
80%
of shares outstanding
$/day
$4.34M
20-day average traded
P/B
1.50×
price to book
ROE
11.3%
delivered
Implied ROE
8.4%
what the price asks
Next earnings
81 days
26 Jan 2027
Close · USD$50.31
1D-0.1%
1W-1.1%
1M+3.5%
3M-2.3%
6M+7.5%
YTD+18.2%
1Y+25.0%
ATR %2.5%
Beta0.27
52w lowhigh6.1% off high

What Capital City Bank does

Employees: 902

Capital City Bank at a glance

Size Capital City Bank (CCBG) is a United States Financials company (Regional Banks) with a market value of $861M, the 2343rd largest of 3,117 United States companies the cockpit tracks. Shares closed at $50.31 on 6 Nov 2026.

Performance Over six months the shares gained 7.5%, against +5.2% for the median peer and -1.1% for the United States market (cap-weighted) — 9th highest of 20 in its peer set.

Growth Revenue fell 0.5% over the last twelve months (peer median +9.6%); the operating margin is 32.3% (peer median 36.7%).

Valuation It trades at 1.50× book value against a peer median of 1.04× (2nd most expensive of 21).

Price implies The share price implies a return on equity of about 8.4%; Capital City Bank delivers 11.3%, so the price asks less than the business earns today.

Short interest Short interest is 3.2% of the free float (15 Oct 2026).

Next results Next results expected around 26 Jan 2027 (exchange calendar; dates can move).

Relative performance

10011011 May 202611 Aug 20266 Nov 2026CCBG 109Peer median 108
Six months, rebased to 100: Capital City Bank against the median of its 20 peers (local-currency closes).

Capital City Bank financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$288M$291M$272M$256M$228M
Revenue growth—+7%+6%+12%—
Net income$62.7M$61.6M$52.9M$52.3M$40.1M
Free cash flow$66.3M$80.0M$46.0M$50.2M$25.7M
Capital expenditure$18.2M$7.59M$8.69M$7.05M$6.32M
Total debt$98.2M$120M$108M$116M$133M

Quarterly statements and history in the cockpit →

Capital City Bank competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

-20%0%+20%-20%0%FCBCORRF838773508345GSBCMPBS41TKBPNBBKSMBKPGCIBCP2849CBG1983AGBKCCBG6-month return →1-month return →
Up and to the right = strong over both horizons. Capital City Bank is the large dot.

Fundamentals: return on equity against price-to-book

0%10%20%30%0.50×10×1.50×FCBCORRF838773508345GSBCMPBS41TKBPRCBCNBBKSMBK2849SPFICBG1983FISICCBGReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Capital City Bank is the large dot.

Capital: ROE delivered against the ROE the price implies

0%10%0%10%FCBCORRF838773508345GSBCS41RCBCSMBKPGCIBCP2849SPFICBG1983CCBGROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Capital City Bank is the large dot.

Capital City Bank competitors and peer comparison

How Capital City Bank compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Capital City Bank against its 20 peers (data as of 6 Nov 2026)
MeasureCCBGPeer medianRank in peer set
1-month return+3.5%-0.1%5th highest of 21
6-month return+7.5%+5.2%9th highest of 20
Return on equity11.3%9.6%8th highest of 20
Price / book1.50×1.04×2nd most expensive of 21
Trailing P/E13.8×11.6×6th most expensive of 19
ROE the price implies8.4%8.0%10th least demanding of 19
ROE delivered11.3%9.6%8th highest of 20

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Capital City Bank CCBGUnited States$861M+7%0%11%1.50×8.4%11.3%
First Community Bankshares FCBCUnited States$860M+4%+9%12%1.58×9.9%11.8%
Orrstown Financial Services ORRFUnited States$862M+18%+1%15%1.42×10.5%14.8%
Shikoku Bank 8387.TJapan$857M+26%+36%10%0.68×5.4%9.6%
Okinawa Financial 7350.TJapan$865M+14%+21%8%0.83×6.3%7.7%
Bank of Iwate 8345.TJapan$857M-6%+24%5%0.64×5.7%5.2%
Great Southern Bancorp GSBCUnited States$868M+16%-10%10%1.42×9.3%10.2%
Mid Penn Bancorp MPBUnited States$873M+5%+18%8%0.97×7.2%8.4%
Hong Leong Finance S41.SISingapore$846M-5%-27%3%0.51×2.5%3.1%
Thurgauer Kantonalbank TKBP.SWSwitzerland$838M-6%-11%6%0.23×n/a5.6%
River City Bank RCBCUnited States$832Mn/a+1%16%1.38×7.6%15.9%
NB Bancorp NBBKUnited States$902M+10%+36%8%1.13×6.8%8.4%
SmartFinancial SMBKUnited States$816M+13%+10%11%1.40×10.8%11.1%
Peapack-Gladstone Financial PGCUnited States$814M+7%+11%9%1.10×9.1%8.9%
Independent Bank IBCPUnited States$802M+5%+3%14%1.39×10.6%13.5%
Entie Commercial Bank 2849.TWTaiwan$927M+14%+10%5%0.86×3.2%5.4%
South Plains Financial SPFIUnited States$800M+4%+10%13%1.28×8.4%12.6%
Close Brothers CBG.LUnited Kingdom$791M-10%-12%-6%0.40×8.8%-5.9%
Luzhou Bank 1983.HKHong Kong$790M-5%+6%14%0.45×4.0%14.0%
AGI AGBKUnited States$777M-31%n/an/a0.84×11.3%n/a
Financial Institutions FISIUnited States$776M+12%+42%30%1.29×n/a30.0%

Questions

Which companies are Capital City Bank's closest peers?
The cockpit's peer set: First Community Bankshares (FCBC), Orrstown Financial Services (ORRF), Shikoku Bank (8387.T), Okinawa Financial (7350.T), Bank of Iwate (8345.T), Great Southern Bancorp (GSBC), Mid Penn Bancorp (MPB), Hong Leong Finance (S41.SI).
Is Capital City Bank expensive compared with its peers?
On price / book it trades at 1.50× against a peer median of 1.04×, 2nd most expensive of 21 in its peer set. The share price implies a return on equity of about 8.4%; Capital City Bank delivers 11.3%, so the price asks less than the business earns today.
How has Capital City Bank stock performed?
Over six months to 6 Nov 2026 the shares returned +7.5% against +5.2% for the median peer; over one year +25.0%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.