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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Capital City Bank Group's 3-Year RORE % for the quarter that ended in Jun. 2026 was 8.34%.
The industry rank for Capital City Bank Group's 3-Year RORE % or its related term are showing as below:
CCBG's 3-Year RORE % is ranked worse than 56.63% of 1464
companies
in the Banks industry
Industry Median: 11.505
vs CCBG: 8.34
Capital City Bank Group (NAS:CCBG) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Capital City Bank Group 3-Year RORE % Related Terms
Capital City Bank Group 3-Year RORE % 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: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Capital City Bank Group's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Capital City Bank Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Capital City Bank Group's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2026 and 3-year before.
Capital City Bank Group (CCBG) has a 3-Year RORE % of 8.34 as of Jun. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Capital City Bank Group and its competitors. According to the industry distribution chart, Capital City Bank Group ranks #829 out of 1464 companies in the Banks industry, placing it in the top 56.6%.
Is Capital City Bank Group's 3-Year RORE % too high?
Capital City Bank Group's current 3-Year RORE % is 8.34. The Banks industry median 3-Year RORE % is 11.51. Capital City Bank Group's value of 8.34 is 27.5% below this industry median. Based on the distribution chart, Capital City Bank Group ranks #829 out of 1464 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 3-Year RORE % compare to FMNB and EGBN?
According to the Banks industry distribution chart, Capital City Bank Group ranks #829 out of 1464 companies for 3-Year RORE %. This places Capital City Bank Group in the lower half of its industry. The industry median 3-Year RORE % is 11.51. Capital City Bank Group's value of 8.34 is 27.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 11.51, based on 1,464 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital City Bank Group's current 3-Year RORE % of 8.34 is 27.5% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Capital City Bank Group and its competitors. For the Banks industry, the median 3-Year RORE % is 11.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital City Bank Group's current 3-Year RORE % is 8.34. 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 3-Year RORE % is 8.34 and 27.5% below the Banks industry median of 11.51. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Capital City Bank Group (CCBG), the current 3-Year RORE % is 8.34 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:
3-Year RORE %: 8.34
GF Value™: $40.32 vs. price of $52.39 (29.9% above fair value)
Industry Position: 27.5% below the Banks median (#829 of 1464)
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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