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Capital City Bank GroupCCBG +1.40%63 EV-to-FCF is 11.79 as of Jul. 25, 2026, which is 22% above its 10-year median of 9.65. GuruFocus rates CCBG with a GF Score™ of 63/100 and a GF Value™ of $39.29 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,192 Banks companies, Capital City Bank Group ranks worse than 67.11% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Capital City Bank Group's Enterprise Value is $886.4 Mil.
Capital City Bank Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $75.2 Mil. Therefore, Capital City Bank Group's EV-to-FCF for today is 11.79.
The historical rank and industry rank for Capital City Bank Group's EV-to-FCF or its related term are showing as below:
CCBG'
s EV-to-FCF Range Over the Past 10 Years
Min: -29.21 Med: 9.65 Max: 115.53
Current: 11.79
During the past 13 years, the highest EV-to-FCF of Capital City Bank Group was 115.53. The lowest was -29.21. And the median was 9.65.
CCBG's EV-to-FCF is ranked worse than 67.11% of 1192
companies
in the Banks industry
Industry Median: 6.68
vs CCBG: 11.79
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Capital City Bank Group (NAS:CCBG) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Capital City Bank Group's PE Ratio (TTM) for today is calculated as:
Capital City Bank Group's share price for today is $51.655.
Capital City Bank Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.530.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, Capital City Bank Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Capital City Bank Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Capital City Bank Group's EV-to-FCF falls into.
Capital City Bank Group's current Enterprise Value is $886.4 Mil.
Capital City Bank Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $75.2 Mil.
* 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 EV-to-FCF of 11.79 as of Jul. 25, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Capital City Bank Group and its competitors. This is 22% above median its historical median of 9.65. According to the industry distribution chart, Capital City Bank Group ranks #800 out of 1192 companies in the Banks industry, placing it in the top 67.1%.
Is Capital City Bank Group's EV-to-FCF too high?
Capital City Bank Group's current EV-to-FCF of 11.79 is 22% above median its 10-year median of 9.65. The Banks industry median EV-to-FCF is 6.68. Capital City Bank Group's value of 11.79 is 76.5% above this industry median. Based on the distribution chart, Capital City Bank Group ranks #800 out of 1192 companies in the Banks industry, which is below the industry midpoint. Overall, Capital City Bank Group has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capital City Bank Group's EV-to-FCF compare to GSBC and FCBC?
According to the Banks industry distribution chart, Capital City Bank Group ranks #800 out of 1192 companies for EV-to-FCF. This places Capital City Bank Group in the lower half of its industry. The industry median EV-to-FCF is 6.68. Capital City Bank Group's value of 11.79 is 76.5% above this benchmark. While the company's 10-year median is 9.65 vs. the industry median of 6.68, Capital City Bank Group has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.68, based on 1,192 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital City Bank Group's current EV-to-FCF of 11.79 is 76.5% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Capital City Bank Group and its competitors. For the Banks industry, the median EV-to-FCF is 6.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital City Bank Group's current EV-to-FCF is 11.79, which is 22% above median its own 10-year median of 9.65. 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 Significantly Overvalued. The stock's GF Value™ is $39.29, compared to a current price of $51.66 — trading 31.5% above its estimated fair value. The current EV-to-FCF is 11.79, which is 22% above median its 10-year median of 9.65 and 76.5% above the Banks industry median of 6.68. Capital City Bank Group's overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Capital City Bank Group (CCBG), the current EV-to-FCF is 11.79 as of Jul. 25, 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 $51.66 is trading 31.5% above its estimated GF Value™ of $39.29.
GuruFocus considers Capital City Bank Group to be Significantly Overvalued.
Key valuation signals for CCBG:
EV-to-FCF: 11.79 (22% above median its 10-year median of 9.65)
GF Value™: $39.29 vs. price of $51.66 (31.5% above fair value)
Industry Position: 76.5% above the Banks median (#800 of 1192)
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.
63GF Score
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