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Capital City Bank GroupCCBG +0.72%64 Debt-to-Equity is 0.14 as of Jun. 2026, which is 42% below its 10-year median of 0.24. GuruFocus rates CCBG with a GF Score™ of 64/100 and a GF Value™ of $40.50 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,414 Banks companies, Capital City Bank Group ranks better than 83.66% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Capital City Bank Group's Debt-to-Equity or its related term are showing as below:
CCBG'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.11 Med: 0.24 Max: 0.42
Current: 0.14
During the past 13 years, the highest Debt-to-Equity Ratio of Capital City Bank Group was 0.42. The lowest was 0.11. And the median was 0.24.
CCBG's Debt-to-Equity is ranked better than 83.66% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs CCBG: 0.14
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Capital City Bank Group Debt-to-Equity Related Terms
Capital City Bank Group Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CCBG vs SMBK, GSBC, EGBN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Capital City Bank Group's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Capital City Bank Group Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Capital City Bank Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Capital City Bank Group's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Capital City Bank Group (CCBG) has a Debt-to-Equity of 0.14 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Capital City Bank Group and its competitors. This is 42% below median its historical median of 0.24. Over the past decade, Capital City Bank Group's Debt-to-Equity has ranged from 0.11 to 0.42. According to the industry distribution chart, Capital City Bank Group ranks #231 out of 1414 companies in the Banks industry, placing it in the top 16.3%.
Is Capital City Bank Group's Debt-to-Equity too high?
Capital City Bank Group's current Debt-to-Equity of 0.14 is 42% below median its 10-year median of 0.24. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.42. The Banks industry median Debt-to-Equity is 0.58. Capital City Bank Group's value of 0.14 is 75.9% below this industry median. Based on the distribution chart, Capital City Bank Group ranks #231 out of 1414 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Capital City Bank Group has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capital City Bank Group's Debt-to-Equity compare to SMBK and GSBC?
According to the Banks industry distribution chart, Capital City Bank Group ranks #231 out of 1414 companies for Debt-to-Equity. This places Capital City Bank Group in the top 16% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Capital City Bank Group's value of 0.14 is 75.9% below this benchmark. Historically, Capital City Bank Group's own Debt-to-Equity has ranged from 0.11 to 0.42 over the past decade. While the company's 10-year median is 0.24 vs. the industry median of 0.58, Capital City Bank Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,414 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital City Bank Group's current Debt-to-Equity of 0.14 is 75.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Capital City Bank Group and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital City Bank Group's current Debt-to-Equity is 0.14, which is 42% below median its own 10-year median of 0.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capital City Bank Group stock overvalued right now?
Based on GuruFocus' analysis, Capital City Bank Group (CCBG) is currently considered Modestly Overvalued. The stock's GF Value™ is $40.50, compared to a current price of $51.83 — trading 28% above its estimated fair value. The current Debt-to-Equity is 0.14, which is 42% below median its 10-year median of 0.24 and 75.9% below the Banks industry median of 0.58. Capital City Bank Group's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Capital City Bank Group (CCBG), the current Debt-to-Equity is 0.14 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Capital City Bank Group (CCBG) Overvalued in 2026?
Based on GuruFocus' analysis, Capital City Bank Group stock appears to be overvalued.
The current stock price of $51.83 is trading 28% above its estimated GF Value™ of $40.50.
GuruFocus considers Capital City Bank Group to be Modestly Overvalued.
Key valuation signals for CCBG:
Debt-to-Equity: 0.14 (42% below median its 10-year median of 0.24)
GF Value™: $40.50 vs. price of $51.83 (28% above fair value)
Industry Position: 75.9% below the Banks median (#231 of 1414)
No single metric tells the full story. See the CCBG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capital City Bank Group Inc is a United States-based group engaged in Banking services, Trust and asset management services, and Brokerage services. The company operates in one segment with two principal services: Banking Services and Wealth Management Services. It offers retail and commercial banking business in the form of traditional deposit and credit services, asset management, trust, mortgage banking, merchant services, bank cards, data processing, and securities brokerage services, among others, through its banking offices in Florida, Georgia, and Alabama.
64GF Score
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