Obermatt

Capital City Bank

NSQ:CCBG · US1396741050
BanksSmall

360

41
Profit price46
Cash yield43
Price/Sales57
EV / Gross Profit93
Price/Book21
Returns on capital74
Profit margins
Cash Conversion67
Accruals65
Owner Earnings Margin28
Sales growth18
Profit Growth31
Owner Earnings Growth33
Reinvestment12
Price momentum40
Debt load90
Debt serviceability32
Liquidity98
Analyst ratings1
Opinion Changes50
Price Target Upside54
Market mood89
Value Creation17/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Capital City Bank generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1982
Employees550
Websiteccbg.com
ISINUS1396741050
Last UpdateApr 2, 2026

Description

Capital City Bank Group, Inc. (CCBG) operates as the bank holding company for Capital City Bank (CCB), which provides a full range of banking services. The company provides a full range of banking services, including traditional deposit and credit s…

Analysis

Quality compounder

Capital City Bank Group, Inc. earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 12.9×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is sturdy. The company scores 17/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
25
2023202420252026

All-time high

94

Jul 2023

All-time low

17

Mar 2026

Average rank

51

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
57
81
74
91
Price/Earnings
17
38
76
24
Price/Book
21
30
28
49
Dividend Yield
43
30
27
22
Value (overall)
20
35
45
20

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →