Capital City Bank Group, Inc. (CCBG) Fair Value 2026

CCBG · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.4 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Capital City Bank Group, Inc. (CCBG) trades at $51.18, versus a $44.39 median fair value across its 6 active models — 13.3% below the current price. QOC: 8.4/10. Value Trap Risk: 0/100 (SAFE). 6/13 models active.

Key Facts

Ticker
CCBG
Price
$51.18
Quality Score
8.4/10
Value Trap Risk
0/100
Models Active
6/13
Last Updated
Strength: Quality Score of 8.4/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Capital City Bank Group, Inc. (CCBG) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Capital City Bank Group, Inc. (CCBG) appears overvalued as of : the median of 6 independent fair value estimates is $44.39, 13.3% below the current price of $51.18. Estimates range from $28.76 to $47.53. CCBG scores 8.4/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. CCBG’s -13.3% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Capital City Bank Group, Inc. Stock in 2026? →

What Fair Value Does Each Model Give CCBG?

6 Intrinsic Value Models vs. Current Price ($51.18)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $31.84 -37.8%
Ensemble · Medium Conviction
 $43.64 -14.7%
Intrinsic · High Conviction
 $47.53 -7.1%
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What Is CCBG's Fair Value Range?

Spread across 6 independent models · $28.76 to $47.53

CirclFi's 6 active models place Capital City Bank Group, Inc. (CCBG) between $28.76 and $47.53 per share, a spread of 42% of the median. The median of that range — $44.39 — is the fair value CirclFi publishes for CCBG, against a current price of $51.18.

Low · Regime CrossHigh · Markov DDM
$28.76median $44.39$47.53
Where the range comes from
Most bearish modelRegime Cross-Sectional$28.76
Most bullish modelMarkov DDM$47.53
Model agreement0 bullish · 6 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on CCBG, not a CirclFi price target. How each model works →

What Is Capital City Bank Group, Inc. (CCBG) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Capital City Bank Group, Inc.'s intrinsic value is estimated at $44.39, suggesting the stock is overvalued at its current price of $51.18. With 6 out of 6 models flagging downside (-13.3% vs price), the market may be pricing in unsustainable growth. Notably, Markov DDM sees the most upside at -7.1% (fair value: $47.53), while Regime Cross is the most conservative at -43.8% ($28.76). The spread between these extremes — +36.7% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About CCBG?

6 of 13 models are currently active for CCBG. All 6 active models suggest the stock trades above fair value. Taken together, their median fair value for CCBG is $44.39 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CCBG Rank in Banks - Regional?

Among 349 Banks - Regional stocks, CCBG ranks #90 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places CCBG in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, Capital City Bank Group, Inc. competes in an environment where cost-to-income ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is CCBG a Value Trap?

CirclFi's Value Trap algorithm assigns CCBG a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Capital City Bank Group, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Capital City Bank Group, Inc. is rated at 8.4/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

The gap between the most bullish and bearish model spans +36.7% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CCBG valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CCBG's 6 active models, average confidence is 45%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Capital City Bank Group, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

10 related Banks - Regional stocks with 13-model coverage

PBFSPioneer Bancorp, Inc.QOC 8.4OBKOrigin Bancorp, Inc.QOC 8.4CFRCullen/Frost Bankers, Inc.QOC 8.4FNBF.N.B. CorporationQOC 8.4VABKVirginia National Bankshares CorporationQOC 8.4QCRHQCR Holdings, Inc.QOC 8.4HWCHancock Whitney CorporationQOC 8.0RBBRBB BancorpQOC 7.5PEBOPeoples Bancorp Inc.QOC 9.1ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: PBFS · OBK · CFR · FNB · VABK · QCRH · HWC · RBB · PEBO · ESQ

Which Other Stocks Have a Similar Quality Score to CCBG?

5 companies across all industries closest to CCBG’s Quality of Company score of 8.4/10.

MASMasco CorporationQOC 8.4DOXAmdocs LimitedQOC 8.4ROKURoku, Inc.QOC 8.4MATMattel, Inc.QOC 8.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: MAS · DOX · ROKU · MAT · NVDA

Where Does CCBG Sit in CirclFi's Banks - Regional Rankings?

CCBG is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Capital City Bank Group, Inc.’s Valuation?

What is Capital City Bank Group, Inc.'s intrinsic value in 2026?

CirclFi puts Capital City Bank Group, Inc. (CCBG)'s intrinsic value at $44.39 — the median of 6 independent model estimates as of 2026-08-27, ranging from $28.76 to $47.53. The Quality of Company score is 8.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CCBG overvalued or undervalued right now?

At $51.18, 0 of 6 active models suggest CCBG may be undervalued, while 6 indicate potential overvaluation. The median of all 6 fair value estimates is $44.39, 13.3% below the current price of $51.18 — a consensus view that CCBG is overvalued. The assessment depends on which methodology best fits Capital City Bank Group, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.4 mean for CCBG?

Capital City Bank Group, Inc.'s QOC of 8.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CCBG?

CirclFi analyzes CCBG with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CCBG?

Of the 6 models currently active on CCBG, Markov DDM is the most bullish at $47.53 per share, and Regime Cross-Sectional is the most bearish at $28.76. CirclFi's published fair value for CCBG is the median of that range, $44.39, not either extreme. The gap between the two ends equals 42% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is CCBG a value trap in 2026?

Capital City Bank Group, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Capital City Bank Group, Inc. (CCBG) has a median fair value of $44.39 — 13.3% below the current price of $51.18 — as of 2026-08-27.” Source: circlfi.com/stock/CCBG/ · Methodology
Primary sources for this CCBG valuation
  • Financial statements: Capital City Bank Group, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000726601) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CCBG as of ; valuations recomputed .

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