Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Capital City Bank GroupCCBG +0.06%62 FCF Margin % is 11.95% as of Jun. 2026, which is 53% below its 10-year median of 25.65. GuruFocus rates CCBG with a GF Score™ of 62/100 and a GF Value™ of $40.32 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,500 Banks companies, Capital City Bank Group ranks worse than 58.2% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Capital City Bank Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Capital City Bank Group's FCF Margin % 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 FCF Margin % of 11.95% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Capital City Bank Group and its competitors. This is 53% below median its historical median of 25.65. According to the industry distribution chart, Capital City Bank Group ranks #873 out of 1500 companies in the Banks industry, placing it in the top 58.2%.
Is Capital City Bank Group's FCF Margin % too high?
Capital City Bank Group's current FCF Margin % of 11.95% is 53% below median its 10-year median of 25.65. The Banks industry median FCF Margin % is 26.70. Capital City Bank Group's value of 11.95% is 55.2% below this industry median. Based on the distribution chart, Capital City Bank Group ranks #873 out of 1500 companies in the Banks industry, which is below the industry midpoint. Overall, Capital City Bank Group has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capital City Bank Group's FCF Margin % compare to FMNB and EGBN?
According to the Banks industry distribution chart, Capital City Bank Group ranks #873 out of 1500 companies for FCF Margin %. This places Capital City Bank Group in the lower half of its industry. The industry median FCF Margin % is 26.70. Capital City Bank Group's value of 11.95% is 55.2% below this benchmark. While the company's 10-year median is 25.65 vs. the industry median of 26.70, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.70, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital City Bank Group's current FCF Margin % of 11.95% is 55.2% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Capital City Bank Group and its competitors. For the Banks industry, the median FCF Margin % is 26.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital City Bank Group's current FCF Margin % is 11.95%, which is 53% below median its own 10-year median of 25.65. 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 Modestly Overvalued. The stock's GF Value™ is $40.32, compared to a current price of $52.39 — trading 29.9% above its estimated fair value. The current FCF Margin % is 11.95%, which is 53% below median its 10-year median of 25.65 and 55.2% below the Banks industry median of 26.70. Capital City Bank Group's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Capital City Bank Group (CCBG), the current FCF Margin % is 11.95% 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 $52.39 is trading 29.9% above its estimated GF Value™ of $40.32.
GuruFocus considers Capital City Bank Group to be Modestly Overvalued.
Key valuation signals for CCBG:
FCF Margin %: 11.95% (53% below median its 10-year median of 25.65)
GF Value™: $40.32 vs. price of $52.39 (29.9% above fair value)
Industry Position: 55.2% below the Banks median (#873 of 1500)
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.
62GF Score
Get the complete analysis for CCBG
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CCBG has been successfully added to your 
