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Capital City Bank GroupCCBG +0.06%62 Graham Number is $47.72 as of Jun. 2026, which is 4923% above its 10-year median of 0.95. 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 1,429 Banks companies, Capital City Bank Group ranks worse than 79.78% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
Capital City Bank Group (NAS:CCBG) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Capital City Bank Group's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Jun. 2026 )
=
52.39
/
47.72
=
1.10
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Capital City Bank Group Graham Number Related Terms
Capital City Bank Group Graham Number 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 FMNB, EGBN, GSBC: Graham Number Comparison
For the Banks - Regional subindustry, Capital City Bank Group's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Capital City Bank Group's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Capital City Bank Group's Price-to-Graham-Number 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 Graham Number of $47.72 as of Jun. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Capital City Bank Group and its competitors. This is 4923% above median its historical median of 0.95. Over the past decade, Capital City Bank Group's Graham Number has ranged from 0.71 to 1.76. According to the industry distribution chart, Capital City Bank Group ranks #1140 out of 1429 companies in the Banks industry, placing it in the top 79.8%.
Is Capital City Bank Group's Graham Number too high?
Capital City Bank Group's current Graham Number of $47.72 is 4923% above median its 10-year median of 0.95. Over the past 10 years, this metric has ranged from a low of 0.71 to a high of 1.76. The Banks industry median Graham Number is 0.81. Capital City Bank Group's value of $47.72 is 5791.4% above this industry median. Based on the distribution chart, Capital City Bank Group ranks #1140 out of 1429 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Graham Number compare to FMNB and EGBN?
According to the Banks industry distribution chart, Capital City Bank Group ranks #1140 out of 1429 companies for Graham Number. This places Capital City Bank Group in the lower half of its industry. The industry median Graham Number is 0.81. Capital City Bank Group's value of $47.72 is 5791.4% above this benchmark. Historically, Capital City Bank Group's own Graham Number has ranged from 0.71 to 1.76 over the past decade. While the company's 10-year median is 0.95 vs. the industry median of 0.81, 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 Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.81, based on 1,429 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital City Bank Group's current Graham Number of $47.72 is 5791.4% 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Capital City Bank Group and its competitors. For the Banks industry, the median Graham Number is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital City Bank Group's current Graham Number is $47.72, which is 4923% above median its own 10-year median of 0.95. 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 Graham Number is $47.72, which is 4923% above median its 10-year median of 0.95 and 5791.4% above the Banks industry median of 0.81. 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 Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Capital City Bank Group (CCBG), the current Graham Number is $47.72 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:
Graham Number: $47.72 (4923% above median its 10-year median of 0.95)
GF Value™: $40.32 vs. price of $52.39 (29.9% above fair value)
Industry Position: 5791.4% above the Banks median (#1140 of 1429)
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
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