8-K Announcements
6Apr 20, 2026·SEC
Feb 2, 2026·SEC
Jan 27, 2026·SEC
Capital City Bank Group, Inc. (CCBG) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Capital City Bank Group, Inc. (CCBG) stock price & volume — 10-year historical chart
Capital City Bank Group, Inc. (CCBG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Capital City Bank Group, Inc. (CCBG) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 20, 2026 | $0.92vs $0.85+8.2% | $85Mvs $63M+34.3% |
| Q1 2026 | Jan 27, 2026 | $0.80vs $0.89-10.1% | $85Mvs $65M+31.1% |
| Q4 2025 | Oct 21, 2025 | $0.93vs $0.87+7.3% | $63Mvs $65M-1.9% |
| Q3 2025 | Jul 22, 2025 | $0.88vs $0.79+11.8% | $61Mvs $64M-5.6% |
Capital City Bank Group, Inc. (CCBG) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
Capital City Bank Group, Inc. (CCBG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Capital City Bank Group, Inc. (CCBG) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 82.98M | 92.5M | 103.34M | 101.33M | 102.86M | 125.02M | 158.99M | 158.94M | 171.65M |
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 | 86.93M | 99.39M | 112.84M | 106.2M | 106.35M | 131.35M | 181.07M | 194.66M | 204.39M |
Interest Expense | 3.95M | 6.89M | 9.49M | 4.87M | 3.49M | 6.89M | 22.08M | 35.72M | 32.74M |
Loan Loss Provision | 2.21M | 2.92M | 2.03M | 9.64M | -1.55M | 7.49M | 9.71M | 4.03M | 3.27M |
Non-Interest Income | 45.49M | 45.59M | 47.27M | 105.33M | 100.98M | 69.21M | 64.63M | 67.56M | 74.92M |
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 | 103.19M | 105.53M | 107.83M | 144.13M | 155.94M | 145.1M | 150.04M | 156.9M | 159.59M |
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 | 12.2M | 3.42M | 9.95M | 10.23M | 9.84M | 7.8M | 13.04M | 13.92M | 20.16M |
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) | 10.86M | 26.22M | 30.81M | 42.65M | 39.62M | 33.28M | 50.82M | 51.64M | 61.56M |
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) | 0.64 | 1.54 | 1.84 | 1.88 | 1.98 | 1.97 | 3.08 | 3.12 | 3.60 |
Diluted Shares Outstanding | 17.01M | 17.07M | 16.83M | 16.82M | 16.89M | 16.98M | 17.02M | 16.97M | 17.14M |
Capital City Bank Group, Inc. (CCBG) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 539.33M | 508.19M | 463.69M | 392.79M | 719.92M | 485.41M | 421.02M | 496.46M | 62.19M |
Cash & Due from Banks | 58.42M | 62.03M | 60.09M | 67.92M | 65.31M | 72.11M | 83.12M | 70.54M | 62.19M |
Short Term Investments | 480.91M | 446.16M | 403.6M | 324.87M | 654.61M | 413.29M | 337.9M | 425.92M | 0 |
Total Investments | 2.34B | 2.43B | 2.47B | 2.59B | 2.96B | 3.62B | 3.7B | 3.62B | 4.03B |
Investments Growth % | 3.71% | 3.75% | 1.82% | 4.72% | 14.12% | 22.52% | 2.07% | -2.02% | 11.21% |
Long-Term Investments | 1.86B | 1.98B | 2.07B | 2.27B | 2.3B | 3.21B | 3.36B | 3.2B | 4.03B |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 84.81M | 84.81M | 84.81M | 89.09M | 0 | 93.09M | 0 | 92.77M | 89.09M |
Goodwill | 84.81M | 84.81M | 84.81M | 89.09M | 0 | 91.8M | 0 | 91.8M | 89.09M |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 1.29M | 0 | 973K | 0 |
PP&E (Net) | 91.7M | 87.19M | 84.54M | 86.79M | 83.41M | 82.14M | 81.27M | 81.95M | 79.46M |
Other Assets | 321.27M | 294.79M | 384.84M | 962.81M | 1.06B | 648.3M | 348.6M | 455.79M | 125.06M |
Total Current Assets | 539.33M | 508.19M | 463.69M | 392.79M | 719.92M | 485.41M | 421.02M | 496.46M | 62.19M |
Total Non-Current Assets | 2.36B | 2.45B | 2.63B | 3.41B | 3.54B | 4.03B | 3.88B | 3.83B | 4.32B |
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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 74.33M | 75M | 65.81M | 135.6M | 88.33M | 110.19M | 88.54M | 81.98M | 93.35M |
Net Debt | 15.91M | 12.96M | 5.72M | 67.68M | 23.02M | 38.08M | 5.42M | 11.44M | 31.16M |
Long-Term Debt | 66.85M | 61.45M | 59.4M | 55.94M | 53.77M | 53.4M | 53.2M | 53.68M | 43.26M |
Short-Term Debt | 7.48M | 13.54M | 6.4M | 79.65M | 34.56M | 56.79M | 35.34M | 28.3M | 50.09M |
Other Liabilities | 70.37M | 49.74M | 50.68M | 102.08M | 67.73M | 73.67M | 66.08M | 75.65M | 3.74B |
Total Current Liabilities | 2.48B | 2.55B | 2.65B | 3.3B | 3.75B | 4B | 3.74B | 3.7B | 50.09M |
Total Non-Current Liabilities | 137.23M | 111.2M | 110.08M | 158.02M | 121.51M | 127.08M | 119.28M | 129.33M | 3.78B |
Total Liabilities | 2.61B | 2.66B | 2.76B | 3.46B | 3.87B | 4.12B | 3.86B | 3.83B | 3.83B |
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 | 16.72 | 17.72 | 19.43 | 20.38 | 23.38 | 23.32 | 26.32 | 29.19 | 32.26 |
Tangible BV per Share | 11.73 | 12.76 | 14.39 | 15.08 | 23.38 | 17.84 | 26.32 | 23.72 | 27.06 |
Common Stock | 170K | 167K | 168K | 168K | 169K | 170K | 170K | 170K | 171K |
Additional Paid-in Capital | 36.67M | 31.06M | 32.09M | 32.28M | 34.42M | 37.33M | 36.33M | 37.68M | 41.65M |
Retained Earnings | 279.41M | 300.18M | 322.94M | 332.53M | 364.79M | 387.01M | 426.27M | 463.95M | 508.44M |
Accumulated OCI | -32.04M | -28.82M | -28.18M | -44.14M | -16.21M | -37.23M | -22.15M | -6.49M | 2.59M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Capital City Bank Group, Inc. (CCBG) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 38.78M | 34.63M | 53.69M | -48.61M | 122.17M | 92.69M | 54.78M | 63.57M | 87.61M |
Operating CF Growth % | 71.42% | -10.7% | 55.05% | -190.54% | 351.32% | -24.13% | -40.9% | 16.05% | 37.82% |
Net Income | 10.86M | 26.22M | 30.81M | 31.58M | 33.4M | 33.41M | 52.26M | 52.91M | 61.56M |
Depreciation & Amortization | 6.56M | 6.45M | 6.25M | 7.23M | 7.71M | 7.76M | 8.08M | 7.83M | 0 |
Deferred Taxes | 7.58M | 4.84M | 1.23M | -53K | -4.16M | -3.87M | -483K | -1.03M | 0 |
Other Non-Cash Items | 15.75M | 5.46M | 5.09M | -90.37M | 81.5M | 53.67M | -906K | 1.72M | 17.98M |
Working Capital Changes | -3.47M | -9.77M | 8.74M | 2.12M | 2.87M | 93K | -5.4M | 339K | 8.08M |
Cash from Investing | -97.53M | -94.02M | -46.88M | -32.59M | -453.97M | -765.83M | -68.54M | 68.35M | 64.41M |
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 | 256.48M | 261.46M | 230.44M | 285.75M | 257.46M | 140.28M | 140.01M | 195.7M | 370.93M |
Net Investment Activity | -5.85M | 26.14M | 18.57M | 144.77M | -518.02M | -131.83M | 116.58M | -4.28M | -30.73M |
Acquisitions | 0 | 0 | 0 | 3.36M | 2.66M | 2.87M | 0 | 0 | 2.38M |
Other Investing | -87.68M | -118.7M | -61.69M | -170.99M | 66.59M | -630.54M | -178.07M | 81.32M | 100.35M |
Cash from Financing | 48.15M | 49.95M | 95.61M | 631.33M | 438.6M | 238.43M | -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 | -2.04M | 0 | 0 | -3.71M | -2.33M | 0 |
Stock Issued | 0 | 0 | 0 | 0 | 1.03M | 1.3M | 937K | 1.5M | 1.34M |
Net Stock Activity | 0 | -8.03M | -1.8M | -2.04M | 1.03M | 1.3M | -2.77M | -829K | 1.34M |
Debt Issuance (Net) | -1000K | 662K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K |
Other Financing | 58.4M | 62.78M | 114.65M | 573.15M | 495.3M | 226.46M | -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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 296.05M | 285.44M | 276M | 378.42M | 928.55M | 1.04B | 600.65M | 312.07M | 391.85M |
Cash at End | 285.44M | 276M | 378.42M | 928.55M | 1.04B | 600.65M | 312.07M | 391.85M | 529.97M |
Interest Paid | 3.95M | 6.88M | 9.52M | 4.84M | 3.55M | 6.59M | 21.77M | 35.02M | 32.28M |
Income Taxes Paid | 6.51M | 157K | 6.25M | 9.17M | 16.34M | 7.47M | 9.12M | 6.14M | 13.93M |
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% |
Capital City Bank Group, Inc. (CCBG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.74% | 2.86% | 3.13% | 3.35% | 2.67% | 2.41% | 2.77% | 3.69% | 3.67% | 3.91% |
| Efficiency Ratio | 83.16% | 77.93% | 72.78% | 67.35% | 68.14% | 75.21% | 72.35% | 61.07% | 59.84% | 57.14% |
| Equity / Assets | 9.67% | 9.81% | 10.23% | 10.59% | 9.03% | 9.26% | 8.76% | 10.41% | 11.45% | 12.61% |
| Book Value / Share | 16.13 | 16.72 | 17.72 | 19.43 | 20.38 | 23.38 | 23.32 | 26.32 | 29.19 | 32.26 |
| NII Growth | 2.11% | 6.43% | 11.47% | 11.72% | -1.95% | 1.51% | 21.54% | 27.17% | -0.03% | 8% |
| Dividend Payout | 24.6% | 37.48% | 20.81% | 26.12% | 30.3% | 31.32% | 33.49% | 24.69% | 28.17% | 27.72% |
Capital City Bank Group, Inc. (CCBG) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 20, 2026·SEC
Feb 2, 2026·SEC
Jan 27, 2026·SEC
Capital City Bank Group, Inc. (CCBG) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.