Is Capital City Bank Group, Inc. overvalued or undervalued?

As of 20 June 2025, the valuation grade for Capital City Bank Group, Inc. has moved from attractive to very attractive, indicating a strong improvement in its perceived value. The company is currently undervalued, with a P/E ratio of 11, which is significantly lower than the industry average, and a PEG ratio of 0.98, suggesting that the stock is priced favorably relative to its growth potential. Additionally, the company boasts a remarkable dividend yield of 177.46% and a return on capital employed (ROCE) of 120.01%, highlighting its efficiency and profitability.
In comparison to its peers, Capital City Bank Group's P/E ratio of 11 is lower than that of Coastal Financial Corp. at 25.69 and Premier Financial Corp. at 14.14, both of which are considered overvalued. Furthermore, Community Trust Bancorp, Inc. and Univest Financial Corp. are both rated as very attractive with P/E ratios of 10.47 and 11.38, respectively, indicating that Capital City Bank Group remains competitively priced. Notably, over the past year, the stock has outperformed the S&P 500, returning 41.56% compared to the index's 10.26%, reinforcing the positive valuation outlook.