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Capital City Bank GroupCCBG +0.06%62 5-Year Yield-on-Cost % is 3.58 as of Aug. 16, 2026, which is 8% below its 10-year median of 3.89. 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 1,252 Banks companies, Capital City Bank Group ranks worse than 55.03% on this metric.
Capital City Bank Group (NAS:CCBG) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Capital City Bank Group 5-Year Yield-on-Cost % Related Terms
CCBG vs FMNB, EGBN, GSBC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Capital City Bank Group's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Capital City Bank Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Capital City Bank Group's 5-Year Yield-on-Cost % falls into.
Capital City Bank Group 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Capital City Bank Group (CCBG) has a 5-Year Yield-on-Cost % of 3.58 as of Aug. 16, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Capital City Bank Group and its competitors. This is near median its historical median of 3.89. Over the past decade, Capital City Bank Group's 5-Year Yield-on-Cost % has ranged from 1.27 to 5.42. According to the industry distribution chart, Capital City Bank Group ranks #689 out of 1252 companies in the Banks industry, placing it in the top 55%.
Is Capital City Bank Group's 5-Year Yield-on-Cost % too high?
Capital City Bank Group's current 5-Year Yield-on-Cost % of 3.58 is near median its 10-year median of 3.89. Over the past 10 years, this metric has ranged from a low of 1.27 to a high of 5.42. The Banks industry median 5-Year Yield-on-Cost % is 3.80. Capital City Bank Group's value of 3.58 is 5.7% below this industry median. Based on the distribution chart, Capital City Bank Group ranks #689 out of 1252 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 5-Year Yield-on-Cost % compare to FMNB and EGBN?
According to the Banks industry distribution chart, Capital City Bank Group ranks #689 out of 1252 companies for 5-Year Yield-on-Cost %. This places Capital City Bank Group in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.80. Capital City Bank Group's value of 3.58 is 5.7% below this benchmark. Historically, Capital City Bank Group's own 5-Year Yield-on-Cost % has ranged from 1.27 to 5.42 over the past decade. While the company's 10-year median is 3.89 vs. the industry median of 3.80, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.80, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital City Bank Group's current 5-Year Yield-on-Cost % of 3.58 is 5.7% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Capital City Bank Group and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital City Bank Group's current 5-Year Yield-on-Cost % is 3.58, which is near median its own 10-year median of 3.89. 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 5-Year Yield-on-Cost % is 3.58, which is near median its 10-year median of 3.89 and 5.7% below the Banks industry median of 3.80. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Capital City Bank Group (CCBG), the current 5-Year Yield-on-Cost % is 3.58 as of Aug. 16, 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:
5-Year Yield-on-Cost %: 3.58 (near median its 10-year median of 3.89)
GF Value™: $40.32 vs. price of $52.39 (29.9% above fair value)
Industry Position: 5.7% below the Banks median (#689 of 1252)
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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