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Capital City Bank Group (FRA:BK3) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Capital City Bank Group Net Margin % Related Terms
Capital City Bank Group Net Margin % 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.
FRA:BK3 vs FMNB, EGBN, GSBC: Net Margin % Comparison
For the Banks - Regional subindustry, Capital City Bank Group's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Capital City Bank Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Capital City Bank Group's Net 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 (FRA:BK3) has a Net Margin % of 26.10% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Capital City Bank Group and its competitors. This is 44% above median its historical median of 18.12. Over the past decade, Capital City Bank Group's Net Margin % has ranged from 8.46 to 25.18. According to the industry distribution chart, Capital City Bank Group ranks #882 out of 1525 companies in the Banks industry, placing it in the top 57.8%.
Is Capital City Bank Group's Net Margin % too high?
Capital City Bank Group's current Net Margin % of 26.10% is 44% above median its 10-year median of 18.12. Over the past 10 years, this metric has ranged from a low of 8.46 to a high of 25.18. The Banks industry median Net Margin % is 27.19. Capital City Bank Group's value of 26.10% is 4% below this industry median. Based on the distribution chart, Capital City Bank Group ranks #882 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Capital City Bank Group has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Capital City Bank Group's Net Margin % compare to FMNB and EGBN?
According to the Banks industry distribution chart, Capital City Bank Group ranks #882 out of 1525 companies for Net Margin %. This places Capital City Bank Group in the lower half of its industry. The industry median Net Margin % is 27.19. Capital City Bank Group's value of 26.10% is 4% below this benchmark. Historically, Capital City Bank Group's own Net Margin % has ranged from 8.46 to 25.18 over the past decade. While the company's 10-year median is 18.12 vs. the industry median of 27.19, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.19, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital City Bank Group's current Net Margin % of 26.10% is 4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Capital City Bank Group and its competitors. For the Banks industry, the median Net Margin % is 27.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital City Bank Group's current Net Margin % is 26.10%, which is 44% above median its own 10-year median of 18.12. 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?
Capital City Bank Group (FRA:BK3) has a current Net Margin % of 26.10%. The stock's GF Value™ is €33.40, compared to a current price of €43.40 — trading 29.9% above its estimated fair value. The current Net Margin % is 26.10%, which is 44% above median its 10-year median of 18.12 and 4% below the Banks industry median of 27.19. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Capital City Bank Group (FRA:BK3), the current Net Margin % is 26.10% 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 (FRA:BK3) Overvalued in 2026?
Based on GuruFocus' analysis, Capital City Bank Group stock appears to be overvalued.
The current stock price of €43.40 is trading 29.9% above its estimated GF Value™ of €33.40.
Key valuation signals for FRA:BK3:
Net Margin %: 26.10% (44% above median its 10-year median of 18.12)
GF Value™: €33.40 vs. price of €43.40 (29.9% above fair value)
Industry Position: 4% below the Banks median (#882 of 1525)
No single metric tells the full story. See the FRA:BK3 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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