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CCBGCapital City Bank Group, Inc.$47.12$808M
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CCBG logoCapital City Bank Group, Inc.(CCBG)Earnings, Financials & Key Ratios

CCBG•NASDAQ•Banking & Credit
13.1× P/E·Price updated Jun 13, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutCapital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking and banking-related services to individual and corporate clients. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. It also provides commercial and residential real estate lending products, as well as fixed- and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans; and credit card programs. In addition, the company offers institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Further, it provides consumer banking services comprising checking accounts, savings programs, interactive/automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and online and mobile banking services. Additionally, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and various retail securities products, such as the U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care. As of December 31, 2021, it operated through 57 banking offices and 86 ATMs/ITMs in Florida, Georgia, and Alabama. The company was founded in 1895 and is headquartered in Tallahassee, Florida.Show more
  • Net Interest Income$172M+8.0%
  • Total Revenue$279M+6.5%
  • Net Income$62M+16.3%
  • Return on Equity11.75%+4.7%
  • Net Interest Margin3.91%+6.5%
  • Efficiency Ratio57.14%-4.5%
  • ROA1.41%+15.2%
  • Equity / Assets12.61%+10.1%
  • Book Value per Share32.26+10.5%
  • Tangible BV/Share27.06+14.1%
  • Debt/Equity0.17+2.0%

CCBG Key Insights

Capital City Bank Group, Inc. (CCBG) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Strong NIM of 3.9%
  • ✓11 consecutive years of dividend growth
  • ✓Well capitalized: 12.6% equity/assets
  • ✓Healthy dividend yield of 2.1%
  • ✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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CCBG Price & Volume

Capital City Bank Group, Inc. (CCBG) stock price & volume — 10-year historical chart

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CCBG Growth Metrics

Capital City Bank Group, Inc. (CCBG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years7.64%
5 Years5.72%
3 Years11.67%
TTM-

Profit CAGR

10 Years21.05%
5 Years14.28%
3 Years22.59%
TTM16.33%

EPS CAGR

10 Years21.12%
5 Years13.88%
3 Years22.26%
TTM15.76%

Return on Capital

10 Years8.13%
5 Years8.74%
3 Years8.7%
Last Year3.38%

CCBG Recent Earnings

Capital City Bank Group, Inc. (CCBG) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (80%)●Beat Revenue 2/12 qtrs (20%)
Q2 2026Latest
Apr 20, 2026
EPS
$0.92
Est $0.85
+8.2%
Revenue
$85M
Est $63M
+34.3%
Q1 2026
Jan 27, 2026
EPS
$0.80
Est $0.89
-10.1%
Revenue
$85M
Est $65M
+31.1%
Q4 2025
Oct 21, 2025
EPS
$0.93
Est $0.87
+7.3%
Revenue
$63M
Est $65M
-1.9%
Q3 2025
Jul 22, 2025
EPS
$0.88
Est $0.79
+11.8%
Revenue
$61M
Est $64M
-5.6%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 20, 2026
$0.92vs $0.85+8.2%
$85Mvs $63M+34.3%
Q1 2026Jan 27, 2026
$0.80vs $0.89-10.1%
$85Mvs $65M+31.1%
Q4 2025Oct 21, 2025
$0.93vs $0.87+7.3%
$63Mvs $65M-1.9%
Q3 2025Jul 22, 2025
$0.88vs $0.79+11.8%
$61Mvs $64M-5.6%
Based on last 12 quarters of dataView full earnings history →

CCBG Peer Comparison

Capital City Bank Group, Inc. (CCBG) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
SBCF logoSBCFSeacoast Banking Corporation of FloridaDirect Competitor3.13B32.0820.307.49%16.13%5.83%0.44
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.52B48.1814.4710.36%18.76%9.51%0.17
HBCP logoHBCPHome Bancorp, Inc.Direct Competitor533.58M68.0811.604.93%22.01%11.03%0.13
SFBS logoSFBSServisFirst Bancshares, Inc.Direct Competitor4.5B82.3916.284.13%27.18%15.75%0.81
CNOB logoCNOBConnectOne Bancorp, Inc.Direct Competitor1.65B32.7722.1413.44%11.89%5.49%0.74
ABCB logoABCBAmeris BancorpProduct Competitor6.07B88.9514.832%25.14%10.41%0.18
SMBC logoSMBCSouthern Missouri Bancorp, Inc.Product Competitor803.57M72.3413.9711.72%20.82%11.85%0.26
FBNC logoFBNCFirst BancorpProduct Competitor2.56B61.7823.052.32%20.45%7.03%0.05

Compare CCBG vs Peers

Capital City Bank Group, Inc. (CCBG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SBCF

Most directly comparable listed peer for CCBG.

Scale Benchmark

vs V

Larger-name benchmark to compare CCBG against a more recognizable public peer.

Peer Set

Compare Top 5

vs SBCF, NBTB, HBCP, SFBS

CCBG Income Statement

Capital City Bank Group, Inc. (CCBG) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
82.98M92.5M103.34M101.33M102.86M125.02M158.99M158.94M171.65M
NII Growth %
6.43%11.47%11.72%-1.95%1.51%21.54%27.17%-0.03%8%
Net Interest Margin %
2.86%3.13%3.35%2.67%2.41%2.77%3.69%3.67%3.91%
Interest Income
86.93M99.39M112.84M106.2M106.35M131.35M181.07M194.66M204.39M
Interest Expense
3.95M6.89M9.49M4.87M3.49M6.89M22.08M35.72M32.74M
Loan Loss Provision
2.21M2.92M2.03M9.64M-1.55M7.49M9.71M4.03M3.27M
Non-Interest Income
45.49M45.59M47.27M105.33M100.98M69.21M64.63M67.56M74.92M
Non-Interest Income %
34.35%31.44%29.53%49.8%48.7%34.51%26.3%25.77%26.82%
Total Revenue
132.42M▲ 0%
144.98M▲ 9.5%
160.11M▲ 10.4%
211.53M▲ 32.1%
207.33M▼ 2.0%
200.56M▼ 3.3%
245.69M▲ 22.5%
262.22M▲ 6.7%
279.31M▲ 6.5%
Revenue Growth %
3.16%9.48%10.43%32.12%-1.99%-3.27%22.51%6.73%6.52%
Non-Interest Expense
103.19M105.53M107.83M144.13M155.94M145.1M150.04M156.9M159.59M
Efficiency Ratio
77.93%72.78%67.35%68.14%75.21%72.35%61.07%59.84%57.14%
Operating Income
23.07M▲ 0%
29.64M▲ 28.5%
40.76M▲ 37.5%
52.88M▲ 29.7%
49.45M▼ 6.5%
41.08M▼ 16.9%
63.86M▲ 55.5%
65.57M▲ 2.7%
83.71M▲ 27.7%
Operating Margin %
17.42%20.45%25.46%25%23.85%20.48%25.99%25%29.97%
Operating Income Growth %
30.96%28.52%37.49%29.74%-6.49%-16.94%55.47%2.67%27.67%
Pretax Income
23.07M▲ 0%
29.64M▲ 28.5%
40.76M▲ 37.5%
52.88M▲ 29.7%
49.45M▼ 6.5%
41.08M▼ 16.9%
63.86M▲ 55.5%
65.57M▲ 2.7%
81.72M▲ 24.6%
Pretax Margin %
17.42%20.45%25.46%25%23.85%20.48%25.99%25%29.26%
Income Tax
12.2M3.42M9.95M10.23M9.84M7.8M13.04M13.92M20.16M
Effective Tax Rate %
52.9%11.54%24.42%19.34%19.89%18.98%20.42%21.24%24.67%
Net Income
10.86M▲ 0%
26.22M▲ 141.4%
30.81M▲ 17.5%
31.58M▲ 2.5%
33.4M▲ 5.8%
33.41M▲ 0.0%
52.26M▲ 56.4%
52.91M▲ 1.3%
61.56M▲ 16.3%
Net Margin %
8.2%18.09%19.24%14.93%16.11%16.66%21.27%20.18%22.04%
Net Income Growth %
-7.52%141.41%17.48%2.5%5.76%0.05%56.4%1.26%16.33%
Net Income (Continuing)
10.86M26.22M30.81M42.65M39.62M33.28M50.82M51.64M61.56M
EPS (Diluted)
0.64▲ 0%
1.54▲ 140.6%
1.83▲ 18.8%
1.88▲ 2.7%
1.98▲ 5.3%
1.97▼ 0.5%
3.07▲ 55.8%
3.12▲ 1.6%
3.60▲ 15.4%
EPS Growth %
-7.25%140.63%18.83%2.73%5.32%-0.51%55.84%1.63%15.38%
EPS (Basic)
0.641.541.841.881.981.973.083.123.60
Diluted Shares Outstanding
17.01M17.07M16.83M16.82M16.89M16.98M17.02M16.97M17.14M

CCBG Balance Sheet

Capital City Bank Group, Inc. (CCBG) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
539.33M508.19M463.69M392.79M719.92M485.41M421.02M496.46M62.19M
Cash & Due from Banks
58.42M62.03M60.09M67.92M65.31M72.11M83.12M70.54M62.19M
Short Term Investments
480.91M446.16M403.6M324.87M654.61M413.29M337.9M425.92M0
Total Investments
2.34B2.43B2.47B2.59B2.96B3.62B3.7B3.62B4.03B
Investments Growth %
3.71%3.75%1.82%4.72%14.12%22.52%2.07%-2.02%11.21%
Long-Term Investments
1.86B1.98B2.07B2.27B2.3B3.21B3.36B3.2B4.03B
Accounts Receivables
000000000
Goodwill & Intangibles
84.81M84.81M84.81M89.09M093.09M092.77M89.09M
Goodwill
84.81M84.81M84.81M89.09M091.8M091.8M89.09M
Intangible Assets
000001.29M0973K0
PP&E (Net)
91.7M87.19M84.54M86.79M83.41M82.14M81.27M81.95M79.46M
Other Assets
321.27M294.79M384.84M962.81M1.06B648.3M348.6M455.79M125.06M
Total Current Assets
539.33M508.19M463.69M392.79M719.92M485.41M421.02M496.46M62.19M
Total Non-Current Assets
2.36B2.45B2.63B3.41B3.54B4.03B3.88B3.83B4.32B
Total Assets
2.9B▲ 0%
2.96B▲ 2.1%
3.09B▲ 4.4%
3.8B▲ 23.0%
4.26B▲ 12.3%
4.52B▲ 6.0%
4.3B▼ 4.8%
4.32B▲ 0.5%
4.39B▲ 1.4%
Asset Growth %
1.9%2.07%4.39%22.96%12.26%5.99%-4.75%0.48%1.41%
Return on Assets (ROA)
0.38%0.9%1.02%0.92%0.83%0.76%1.18%1.23%1.41%
Accounts Payable
000000000
Total Debt
74.33M75M65.81M135.6M88.33M110.19M88.54M81.98M93.35M
Net Debt
15.91M12.96M5.72M67.68M23.02M38.08M5.42M11.44M31.16M
Long-Term Debt
66.85M61.45M59.4M55.94M53.77M53.4M53.2M53.68M43.26M
Short-Term Debt
7.48M13.54M6.4M79.65M34.56M56.79M35.34M28.3M50.09M
Other Liabilities
70.37M49.74M50.68M102.08M67.73M73.67M66.08M75.65M3.74B
Total Current Liabilities
2.48B2.55B2.65B3.3B3.75B4B3.74B3.7B50.09M
Total Non-Current Liabilities
137.23M111.2M110.08M158.02M121.51M127.08M119.28M129.33M3.78B
Total Liabilities
2.61B2.66B2.76B3.46B3.87B4.12B3.86B3.83B3.83B
Total Equity
284.43M▲ 0%
302.59M▲ 6.4%
327.02M▲ 8.1%
342.84M▲ 4.8%
394.92M▲ 15.2%
396.04M▲ 0.3%
448.03M▲ 13.1%
495.32M▲ 10.6%
552.85M▲ 11.6%
Equity Growth %
3.36%6.39%8.07%4.84%15.19%0.28%13.13%10.55%11.62%
Equity / Assets (Capital Ratio)
9.81%10.23%10.59%9.03%9.26%8.76%10.41%11.45%12.61%
Return on Equity (ROE)
3.88%8.93%9.79%9.43%9.05%8.45%12.38%11.22%11.75%
Book Value per Share
16.7217.7219.4320.3823.3823.3226.3229.1932.26
Tangible BV per Share
11.7312.7614.3915.0823.3817.8426.3223.7227.06
Common Stock
170K167K168K168K169K170K170K170K171K
Additional Paid-in Capital
36.67M31.06M32.09M32.28M34.42M37.33M36.33M37.68M41.65M
Retained Earnings
279.41M300.18M322.94M332.53M364.79M387.01M426.27M463.95M508.44M
Accumulated OCI
-32.04M-28.82M-28.18M-44.14M-16.21M-37.23M-22.15M-6.49M2.59M
Treasury Stock
000000000
Preferred Stock
000000000

CCBG Cash Flow Statement

Capital City Bank Group, Inc. (CCBG) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
38.78M34.63M53.69M-48.61M122.17M92.69M54.78M63.57M87.61M
Operating CF Growth %
71.42%-10.7%55.05%-190.54%351.32%-24.13%-40.9%16.05%37.82%
Net Income
10.86M26.22M30.81M31.58M33.4M33.41M52.26M52.91M61.56M
Depreciation & Amortization
6.56M6.45M6.25M7.23M7.71M7.76M8.08M7.83M0
Deferred Taxes
7.58M4.84M1.23M-53K-4.16M-3.87M-483K-1.03M0
Other Non-Cash Items
15.75M5.46M5.09M-90.37M81.5M53.67M-906K1.72M17.98M
Working Capital Changes
-3.47M-9.77M8.74M2.12M2.87M93K-5.4M339K8.08M
Cash from Investing
-97.53M-94.02M-46.88M-32.59M-453.97M-765.83M-68.54M68.35M64.41M
Purchase of Investments
-262.33M-235.32M-211.87M-140.98M-775.49M-272.1M-23.43M-199.98M-401.65M
Sale/Maturity of Investments
256.48M261.46M230.44M285.75M257.46M140.28M140.01M195.7M370.93M
Net Investment Activity
-5.85M26.14M18.57M144.77M-518.02M-131.83M116.58M-4.28M-30.73M
Acquisitions
0003.36M2.66M2.87M002.38M
Other Investing
-87.68M-118.7M-61.69M-170.99M66.59M-630.54M-178.07M81.32M100.35M
Cash from Financing
48.15M49.95M95.61M631.33M438.6M238.43M-274.82M-52.14M-13.9M
Dividends Paid
-4.07M-5.46M-8.05M-9.57M-10.46M-11.19M-12.9M-14.91M-17.06M
Share Repurchases
0-8.03M-1.8M-2.04M00-3.71M-2.33M0
Stock Issued
00001.03M1.3M937K1.5M1.34M
Net Stock Activity
0-8.03M-1.8M-2.04M1.03M1.3M-2.77M-829K1.34M
Debt Issuance (Net)
-1000K662K-1000K1000K-1000K1000K-1000K-1000K1000K
Other Financing
58.4M62.78M114.65M573.15M495.3M226.46M-237.5M-29.84M-9.66M
Net Change in Cash
-10.61M▲ 0%
-9.44M▲ 11.0%
102.42M▲ 1184.8%
550.13M▲ 437.1%
106.81M▼ 80.6%
-434.7M▼ 507.0%
-288.58M▲ 33.6%
79.79M▲ 127.6%
138.12M▲ 73.1%
Exchange Rate Effect
000000000
Cash at Beginning
296.05M285.44M276M378.42M928.55M1.04B600.65M312.07M391.85M
Cash at End
285.44M276M378.42M928.55M1.04B600.65M312.07M391.85M529.97M
Interest Paid
3.95M6.88M9.52M4.84M3.55M6.59M21.77M35.02M32.28M
Income Taxes Paid
6.51M157K6.25M9.17M16.34M7.47M9.12M6.14M13.93M
Free Cash Flow
34.78M▲ 0%
33.17M▼ 4.6%
49.93M▲ 50.5%
-58.35M▼ 216.9%
116.98M▲ 300.5%
86.37M▼ 26.2%
47.74M▼ 44.7%
54.88M▲ 15.0%
80.03M▲ 45.8%
FCF Growth %
91.4%-4.63%50.54%-216.86%300.48%-26.16%-44.73%14.98%45.8%

CCBG Banking Ratios

Capital City Bank Group, Inc. (CCBG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)4.28%3.88%8.93%9.79%9.43%9.05%8.45%12.38%11.22%11.75%
Return on Assets (ROA)0.42%0.38%0.9%1.02%0.92%0.83%0.76%1.18%1.23%1.41%
Net Interest Margin2.74%2.86%3.13%3.35%2.67%2.41%2.77%3.69%3.67%3.91%
Efficiency Ratio83.16%77.93%72.78%67.35%68.14%75.21%72.35%61.07%59.84%57.14%
Equity / Assets9.67%9.81%10.23%10.59%9.03%9.26%8.76%10.41%11.45%12.61%
Book Value / Share16.1316.7217.7219.4320.3823.3823.3226.3229.1932.26
NII Growth2.11%6.43%11.47%11.72%-1.95%1.51%21.54%27.17%-0.03%8%
Dividend Payout24.6%37.48%20.81%26.12%30.3%31.32%33.49%24.69%28.17%27.72%
Related:CCBG Dividend History·CCBG Revenue History·CCBG Price History·CCBG P/E History·CCBG Financial Ratios·CCBG Institutional Holders

CCBG SEC Filings & Documents

Capital City Bank Group, Inc. (CCBG) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 20, 2026·SEC

Material company update

Feb 2, 2026·SEC

Material company update

Jan 27, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 27, 2026·SEC

FY 2025

Mar 11, 2025·SEC

10-Q Quarterly Reports

6
FY 2025

Oct 31, 2025·SEC

FY 2025

Jul 31, 2025·SEC

FY 2025

Apr 30, 2025·SEC

CCBG Frequently Asked Questions

Capital City Bank Group, Inc. (CCBG) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Capital City Bank Group, Inc. (CCBG) grew revenue by 6.5% over the past year. This is steady growth.

Yes, Capital City Bank Group, Inc. (CCBG) is profitable, generating $61.6M in net income for fiscal year 2025 (22.0% net margin).

Dividend & Returns

Yes, Capital City Bank Group, Inc. (CCBG) pays a dividend with a yield of 2.11%. This makes it attractive for income-focused investors.

Capital City Bank Group, Inc. (CCBG) has a return on equity (ROE) of 11.7%. This is reasonable for most industries.

Industry Metrics

Capital City Bank Group, Inc. (CCBG) has a net interest margin (NIM) of 3.9%. This indicates healthy earnings from lending activities.

Capital City Bank Group, Inc. (CCBG) has an efficiency ratio of 57.1%. This is reasonable for a bank.

What if you invested $1,000 in CCBG back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in CCBG be worth today?

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