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Capital City Bank GroupCCBG +0.06%62 Return-on-Tangible-Equity is 13.68% as of Jun. 2026, which is 8% above its 10-year median of 12.65. GuruFocus rates CCBG with a GF Scoreâ„¢ of 62/100 and a GF Valueâ„¢ of $40.32 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,521 Banks companies, Capital City Bank Group ranks better than 62.66% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Capital City Bank Group's annualized net income for the quarter that ended in Jun. 2026 was $65.1 Mil. Capital City Bank Group's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $475.9 Mil. Therefore, Capital City Bank Group's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 13.68%.
The historical rank and industry rank for Capital City Bank Group's Return-on-Tangible-Equity or its related term are showing as below:
CCBG'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.57 Med: 12.65 Max: 15.88
Current: 13.42
During the past 13 years, Capital City Bank Group's highest Return-on-Tangible-Equity was 15.88%. The lowest was 5.57%. And the median was 12.65%.
CCBG's Return-on-Tangible-Equity is ranked better than 62.66% of 1521
companies
in the Banks industry
Industry Median: 11.38
vs CCBG: 13.42
Capital City Bank Group (NAS:CCBG) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Capital City Bank Group Return-on-Tangible-Equity Related Terms
Capital City Bank Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Capital City Bank Group's Return-on-Tangible-Equity can be seen below:
* 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 Return-on-Tangible-Equity Chart
CCBG vs FMNB, EGBN, GSBC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Capital City Bank Group's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Capital City Bank Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Capital City Bank Group's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.68% mean?
Capital City Bank Group (CCBG) has a Return-on-Tangible-Equity of 13.68% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Capital City Bank Group and its competitors. This is near median its historical median of 12.65. Over the past decade, Capital City Bank Group's Return-on-Tangible-Equity has ranged from 5.57 to 15.88. According to the industry distribution chart, Capital City Bank Group ranks #568 out of 1521 companies in the Banks industry, placing it in the top 37.3%.
Is Capital City Bank Group's Return-on-Tangible-Equity too high?
Capital City Bank Group's current Return-on-Tangible-Equity of 13.68% is near median its 10-year median of 12.65. Over the past 10 years, this metric has ranged from a low of 5.57 to a high of 15.88. The Banks industry median Return-on-Tangible-Equity is 11.38. Capital City Bank Group's value of 13.68% is 20.2% above this industry median. Based on the distribution chart, Capital City Bank Group ranks #568 out of 1521 companies in the Banks industry, which is above the industry midpoint. Overall, Capital City Bank Group has a GF Scoreâ„¢ 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 Return-on-Tangible-Equity compare to FMNB and EGBN?
According to the Banks industry distribution chart, Capital City Bank Group ranks #568 out of 1521 companies for Return-on-Tangible-Equity. This puts Capital City Bank Group in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.38. Capital City Bank Group's value of 13.68% is 20.2% above this benchmark. Historically, Capital City Bank Group's own Return-on-Tangible-Equity has ranged from 5.57 to 15.88 over the past decade. While the company's 10-year median is 12.65 vs. the industry median of 11.38, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.38, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital City Bank Group's current Return-on-Tangible-Equity of 13.68% is 20.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Capital City Bank Group and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital City Bank Group's current Return-on-Tangible-Equity is 13.68%, which is near median its own 10-year median of 12.65. 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 Return-on-Tangible-Equity is 13.68%, which is near median its 10-year median of 12.65 and 20.2% above the Banks industry median of 11.38. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Capital City Bank Group (CCBG), the current Return-on-Tangible-Equity is 13.68% 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:
Return-on-Tangible-Equity: 13.68% (near median its 10-year median of 12.65)
GF Value™: $40.32 vs. price of $52.39 (29.9% above fair value)
Industry Position: 20.2% above the Banks median (#568 of 1521)
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
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