Capital City Bank Group, Inc. (CCBG) Key Metrics
CCBG valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $839.9M
- Enterprise value
- $467.4M
- P/E (TTM)
- 13.6 10-yr median 14.2
- Forward P/E
- 10.0
- PEG ratio
- 2.40
- Price / sales
- 3.3 10-yr median 2.7
- Price / book
- 1.5 10-yr median 1.3
- EV / EBITDA
- — 10-yr median 2.7
- Dividend yield
- 2.20% $1.08 a year
- Beta
- 0.38
CCBG key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsCCBG valuation Price multiples at each fiscal year-end price.
CCBG returns How much profit the business earns on the capital it uses.
CCBG per-share figures Results divided by the shares outstanding at year-end.
CCBG financial health Debt, liquidity and how easily interest is covered.
CCBG efficiency & capital use Working capital cycle and where the cash goes.
CCBG valuation history
CCBG returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CCBG debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CCBG cash returned to shareholders
CCBG price vs earnings per share
CCBG key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $729.6M | $621.9M | $501.0M | $552.0M | $446.0M | $413.5M | $513.2M | $396.2M | $390.3M | $349.4M |
| Enterprise value | $345.2M | $207.4M | $168.5M | $176.8M | −$185.6M | $156.3M | $115.3M | −$37.0M | −$74.7M | −$141.1M |
| P/E ratio | 11.9 | 11.8 | 9.6 | 16.5 | 13.4 | 13.1 | 16.7 | 15.1 | 35.9 | 29.7 |
| Price / sales | 2.6 | 2.4 | 2.0 | 2.8 | 2.2 | 2.0 | 3.2 | 2.7 | 2.9 | 2.7 |
| Price / book | 1.3 | 1.3 | 1.1 | 1.4 | 1.1 | 1.2 | 1.6 | 1.3 | 1.4 | 1.3 |
| Price / free cash flow | 9.1 | 11.3 | 10.5 | 10.2 | 4.0 | — | 10.3 | 11.9 | 11.2 | 19.2 |
| Price / operating cash flow | 8.3 | 9.8 | 9.1 | 9.1 | 3.8 | — | 9.6 | 11.4 | 10.1 | 15.4 |
| EV / sales | 1.2 | 0.8 | 0.7 | 0.9 | -0.9 | 0.7 | 0.7 | -0.3 | -0.6 | -1.1 |
| EV / EBITDA | 3.8 | 2.8 | 2.3 | 3.6 | — | 2.6 | 2.5 | — | — | — |
| EV / free cash flow | 4.3 | 3.8 | 3.5 | 3.3 | — | — | 2.3 | — | — | — |
| Earnings yield | 8.4% | 8.5% | 10.4% | 6.1% | 7.5% | 7.6% | 6.0% | 6.6% | 2.8% | 3.4% |
| Free cash flow yield | 11.0% | 8.8% | 9.5% | 9.8% | 24.8% | −14.1% | 9.7% | 8.4% | 8.9% | 5.2% |
| Dividend yield | 2.3% | 2.4% | 2.6% | 2.0% | 2.3% | 2.3% | 1.6% | 1.4% | 1.0% | 0.8% |
| Shareholder yield (dividends + buybacks) | 2.3% | 2.8% | 3.3% | 2.0% | 2.3% | 2.8% | 1.9% | 3.4% | 1.3% | 2.6% |
| Share price at fiscal year-end | $42.57 | $36.65 | $29.43 | $32.50 | $26.40 | $24.58 | $30.50 | $23.21 | $22.94 | $20.48 |
| Per share | ||||||||||
| Revenue per share | $16.30 | $15.45 | $14.43 | $11.81 | $12.27 | $12.57 | $9.52 | $8.49 | $7.78 | $7.52 |
| Earnings per share | $3.59 | $3.12 | $3.07 | $1.97 | $1.98 | $1.88 | $1.83 | $1.54 | $0.64 | $0.69 |
| Operating cash flow per share | $5.11 | $3.75 | $3.22 | $3.57 | $6.86 | −$2.89 | $3.19 | $2.03 | $2.28 | $1.33 |
| Free cash flow per share | $4.67 | $3.23 | $2.80 | $3.19 | $6.55 | −$3.47 | $2.97 | $1.94 | $2.04 | $1.07 |
| Cash per share | $27.88 | $29.26 | $24.73 | $28.58 | $42.62 | $23.35 | $27.56 | $29.77 | $31.70 | $33.47 |
| Book value per share | $32.26 | $29.19 | $26.32 | $23.32 | $23.38 | $20.38 | $19.43 | $17.72 | $16.72 | $16.13 |
| Tangible book value per share | $27.06 | $23.72 | $20.79 | $17.84 | $17.77 | $9.79 | $9.35 | $7.79 | $6.75 | $6.19 |
| Dividends per share | $1.00 | $0.88 | $0.76 | $0.66 | $0.62 | $0.57 | $0.48 | $0.32 | $0.24 | $0.17 |
| Capex per share | $0.44 | $0.51 | $0.41 | $0.37 | $0.31 | $0.58 | $0.22 | $0.09 | $0.23 | $0.26 |
| Debt per share | $5.45 | $4.83 | $5.20 | $6.49 | $5.23 | $8.06 | $3.91 | $4.39 | $4.37 | $4.72 |
| Shares outstanding | 17.1M | 17.0M | 17.0M | 17.0M | 16.9M | 16.8M | 16.8M | 17.1M | 17.0M | 17.1M |
| Change in shares outstanding | +1.0% | −0.3% | +0.2% | +0.5% | +0.4% | −0.0% | −1.4% | +0.3% | −0.3% | −1.5% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 11.7% | 11.2% | 12.4% | 8.4% | 9.1% | 9.4% | 9.8% | 8.9% | 3.9% | 4.3% |
| Return on invested capital (ROIC) | 50.6% | 52.6% | 74.5% | — | — | 577.2% | — | — | — | — |
| Return on assets (ROA) | 1.4% | 1.2% | 1.2% | 0.8% | 0.8% | 0.9% | 1.0% | 0.9% | 0.4% | 0.4% |
| Return on tangible assets | 1.4% | 1.3% | 1.2% | 0.8% | 0.8% | 0.9% | 1.1% | 0.9% | 0.4% | 0.4% |
| Free cash flow margin | 28.7% | 20.9% | 19.4% | 27.0% | 53.4% | −27.6% | 31.2% | 22.9% | 26.3% | 14.2% |
| Income quality (OCF / net income) | 1.42 | 1.20 | 1.05 | 1.81 | 3.47 | −1.54 | 1.74 | 1.32 | 3.57 | 1.93 |
| Financial health | ||||||||||
| Total debt | $93.4M | $82.0M | $88.5M | $110.2M | $88.3M | $135.6M | $65.8M | $75.0M | $74.3M | $80.5M |
| Cash & short-term investments | $477.8M | $496.5M | $421.0M | $485.4M | $719.9M | $392.8M | $463.7M | $508.2M | $539.3M | $571.0M |
| Net debt | −$384.5M | −$414.5M | −$332.5M | −$375.2M | −$631.6M | −$257.2M | −$397.9M | −$433.2M | −$465.0M | −$490.5M |
| Debt / equity | 0.17 | 0.17 | 0.20 | 0.28 | 0.22 | 0.40 | 0.20 | 0.25 | 0.26 | 0.29 |
| Debt / assets | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.04 | 0.02 | 0.03 | 0.03 | 0.03 |
| Net debt / EBITDA | −4.21 | −5.65 | −4.62 | −7.68 | −11.05 | −4.28 | −8.46 | −12.00 | −15.70 | −19.95 |
| Current ratio | 1.24 | 0.13 | 0.11 | 0.12 | 0.19 | 0.12 | 0.17 | 0.20 | 0.22 | 0.24 |
| Quick ratio | 1.24 | 0.13 | 0.11 | 0.12 | 0.19 | 0.12 | 0.17 | 0.20 | 0.22 | 0.23 |
| Interest coverage | 2.6 | 1.8 | 2.9 | 6.0 | 14.2 | 10.9 | 4.3 | 4.3 | 5.8 | 5.5 |
| Working capital | $12.1M | −$3.20B | −$3.32B | −$3.51B | −$3.03B | −$2.90B | −$2.19B | −$2.04B | −$1.94B | −$1.85B |
| Invested capital | $168.4M | $80.8M | $115.6M | $20.8M | −$236.7M | $85.6M | −$70.9M | −$130.6M | −$180.6M | −$215.3M |
| Tangible asset value | $463.8M | $402.5M | $354.0M | $302.9M | $300.2M | $164.6M | $157.4M | $133.0M | $114.8M | $105.5M |
| Net current asset value | −$3.77B | −$3.33B | −$3.44B | −$3.64B | −$3.15B | −$3.06B | −$2.30B | −$2.15B | −$2.08B | −$2.00B |
| Graham number | $51.05 | $45.25 | $42.64 | $32.13 | $32.25 | $29.34 | $28.29 | $24.75 | $15.50 | $15.81 |
| Graham net-net per share | −$195.32 | −$196.43 | −$201.81 | −$214.16 | −$186.41 | −$182.03 | −$136.55 | −$125.78 | −$121.88 | −$116.86 |
| Capital allocation | ||||||||||
| Dividends paid | $17.1M | $14.9M | $12.9M | $11.2M | $10.5M | $9.6M | $8.0M | $5.5M | $4.1M | $2.9M |
| Share buybacks (net) | $0 | $2.3M | $3.7M | $0 | $0 | $2.0M | $1.8M | $8.0M | $809,000 | $6.3M |
| Dividend payout ratio | 27.7% | 28.2% | 24.7% | 33.5% | 31.3% | 30.3% | 26.1% | 20.8% | 37.5% | 24.6% |
| Dividends + buybacks / free cash flow | 21.3% | 31.4% | 34.8% | 20.6% | 9.4% | — | 19.7% | 40.7% | 14.0% | 50.6% |
| Capex / revenue | 2.7% | 3.3% | 2.9% | 3.2% | 2.5% | 4.6% | 2.3% | 1.0% | 3.0% | 3.5% |
| Capex / operating cash flow | 8.7% | 13.7% | 12.9% | 10.4% | 4.5% | — | 7.0% | 4.2% | 10.3% | 19.7% |
| Capex / depreciation | 1.01 | 1.11 | 0.87 | 0.82 | 0.67 | 1.35 | 0.60 | 0.23 | 0.61 | 0.64 |
| Stock-based compensation / revenue | 0.8% | 0.7% | 0.5% | 0.8% | 0.4% | 0.4% | 1.0% | 1.0% | 1.1% | 1.0% |
| SG&A / revenue | 41.7% | 40.2% | 40.7% | 48.1% | 53.7% | 47.6% | 44.4% | 47.6% | 51.5% | 53.6% |
| Efficiency | ||||||||||
| Days sales outstanding | 12.8 | — | — | — | — | — | — | — | — | — |
| Days of inventory on hand | — | — | — | 5.7 | 77.7 | 22.1 | 50.4 | 114.8 | 431.7 | 1,362.7 |
| Days payables outstanding | — | — | — | 97,102.1 | 652,969.5 | 73,711.8 | 82,019.0 | 93,030.6 | 144,571.6 | 214,698.6 |
| Receivables turnover | 28.50 | — | — | — | — | — | — | — | — | — |
| Payables turnover | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory turnover | — | — | — | 64.21 | 4.70 | 16.49 | 7.24 | 3.18 | 0.85 | 0.27 |
| Asset turnover | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.06 | 0.05 | 0.05 | 0.05 | 0.05 |
| Average receivables | $9.8M | — | — | — | — | — | — | — | — | — |
| Average payables | — | — | — | $3.83B | $3.47B | $2.93B | $2.59B | $2.50B | $2.44B | $2.36B |
| Average inventory | — | — | — | $224,000 | $412,500 | $880,500 | $1.6M | $3.1M | $7.3M | $15.0M |
| Intangibles / total assets | 2.0% | 2.1% | 2.2% | 2.1% | 2.2% | 4.7% | 5.5% | 5.7% | 5.9% | 6.0% |
Computed from CCBG's annual financial statements (latest annual report filed February 27, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
CCBG valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Capital City Bank traded at 11.9 times earnings, against a 10-year median of 14.2. Based on the latest twelve months, the trailing P/E is 13.6 and the forward P/E is 10.0. Capital City Bank earned a return on equity of 11.7% and a return on invested capital of 50.6% in fiscal 2025. It ended the year with $93.4 million of debt and $477.8 million in cash and short-term investments, a net cash position of $384.5 million. It returned $17.1 million to shareholders: $17.1 million in dividends and $0 in share buybacks, 21% of free cash flow.
See the CCBG income statement, the CCBG chart for price history, or the CCBG stock overview for the latest quote and news.
CCBG key metrics FAQ
What is Capital City Bank's P/E ratio?
Capital City Bank's trailing P/E ratio is 13.6 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 10.0. At the end of fiscal 2025 it was 11.9, compared with a 10-year median of 14.2.
What is Capital City Bank's EV/EBITDA?
Capital City Bank's enterprise value was 3.8 times EBITDA at the end of fiscal 2025 (enterprise value $345.2 million, EBITDA $91.2 million).
What is Capital City Bank's return on equity?
Capital City Bank's return on equity (ROE) was 11.7% in fiscal 2025: net income of $61.6 million on average shareholders' equity of $524.1 million.
What is Capital City Bank's ROIC?
Capital City Bank's return on invested capital was 50.6% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Capital City Bank have?
Capital City Bank had total debt of $93.4 million at the end of fiscal 2025, a debt-to-equity ratio of 0.17 and more cash than debt.
What is Capital City Bank's dividend yield?
Capital City Bank's forward dividend yield is 2.20%. Capital City Bank paid $17.1 million in dividends in fiscal 2025 ($1.00 per share), a payout ratio of 27.7%.
What is Capital City Bank's free cash flow yield?
Capital City Bank generated $80.0 million of free cash flow in fiscal 2025, a free cash flow yield of 11.0% on its market value at year-end ($729.6 million).
What is Capital City Bank's current ratio?
Capital City Bank's current ratio was 1.24 at the end of fiscal 2025: current assets were 1.24 times current liabilities.