Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Capital City Bank Group, Inc.'s quarterly P/E stands at 13.3x, up 11.8% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 12.5% YoY to 9.2x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.09 | 13.30 | 11.23 | 11.18 | 9.08 | 11.90 | 11.46 | 8.57 | 9.36 | 10.66 | 10.08 | 9.23 | 9.16 |
| — | +11.8% | -2.0% | +30.5% | -3.0% | +11.6% | +13.7% | -7.2% | +2.2% | -9.4% | -26.1% | -43.1% | -43.0% | |
| P/S Ratio | 2.89 | 2.54 | 2.51 | 2.44 | 2.28 | 2.35 | 2.25 | 1.82 | 1.86 | 2.02 | 2.09 | 2.06 | 2.08 |
| — | +8.0% | +11.5% | +34.3% | +22.4% | +16.3% | +7.4% | -11.9% | -10.6% | -10.9% | -17.3% | -15.8% | -16.2% | |
| P/B Ratio | 1.46 | 1.32 | 1.32 | 1.28 | 1.20 | 1.26 | 1.24 | 1.03 | 1.03 | 1.12 | 1.18 | 1.22 | 1.19 |
| — | +5.1% | +6.7% | +23.8% | +15.7% | +12.5% | +4.6% | -15.1% | -13.1% | -19.9% | -14.2% | -2.0% | +1.9% | |
| P/FCF | 10.10 | 6.50 | 9.02 | 5.46 | 7.86 | 17.29 | 14.26 | 5.25 | 9.47 | 13.78 | 5.35 | 57.61 | 6.66 |
| — | -62.4% | -36.7% | +4.0% | -17.0% | +25.4% | +166.4% | -90.9% | +42.1% | -36.0% | -79.7% | +2141.9% | +18.2% | |
| EV / EBITDA | 9.39 | 9.23 | 7.94 | 7.65 | 6.56 | 8.21 | 8.72 | 6.32 | 6.89 | 7.72 | 8.02 | 6.91 | 6.38 |
| — | +12.5% | -9.0% | +21.1% | -4.8% | +6.4% | +8.8% | -8.5% | +8.0% | -20.4% | -20.2% | -34.9% | -37.0% | |
| EV / EBIT | 10.03 | 9.23 | 8.66 | 8.38 | 7.11 | 9.11 | 9.72 | 7.06 | 7.84 | 8.81 | 9.14 | 7.69 | 7.12 |
| — | +1.4% | -11.0% | +18.7% | -9.3% | +3.4% | +6.4% | -8.2% | +10.1% | -20.8% | -21.5% | -40.1% | -41.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Capital City Bank Group, Inc.'s operating margin was 28.7% in Q4 2025, down 0.9 pp QoQ and up 2.4 pp YoY. The trailing four-quarter average of 30.0% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 87.1% | 88.4% | 86.3% | 87.1% | 86.6% | 85.9% | 84.5% | 83.9% | 85.1% | 85.4% | 85.4% | 88.5% | 88.9% |
| — | +2.9% | +2.2% | +3.8% | +1.7% | +0.6% | -1.0% | -5.2% | -4.3% | -4.1% | -7.2% | -6.3% | -9.5% | |
| Operating Margin | 30.0% | 28.7% | 29.6% | 29.1% | 32.7% | 26.3% | 23.4% | 25.9% | 24.4% | 23.2% | 23.9% | 27.8% | 29.0% |
| — | +9.1% | +26.3% | +12.0% | +34.3% | +13.3% | -2.2% | -6.8% | -16.0% | +6.3% | +3.6% | +45.4% | +40.8% | |
| Net Margin | 22.0% | 19.1% | 22.4% | 21.8% | 25.1% | 19.8% | 19.7% | 21.3% | 19.9% | 18.9% | 20.9% | 22.4% | 22.9% |
| — | -3.6% | +13.6% | +2.4% | +26.0% | +4.5% | -5.6% | -4.9% | -13.0% | -1.2% | +13.4% | +49.1% | +48.0% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.7% | 2.5% | 3.0% | 2.9% | 3.3% | 2.7% | 2.8% | 3.1% | 2.8% | 2.7% | 2.9% | 3.3% | 3.4% |
| — | -6.3% | +8.3% | -5.6% | +20.3% | +0.1% | -6.4% | -8.1% | -17.2% | -10.7% | +17.4% | +75.7% | +88.3% | |
| ROA | 1.4% | 0.3% | 0.4% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | +2.8% | +17.9% | +1.9% | +30.9% | +10.4% | +4.8% | +3.6% | -4.5% | +5.2% | +33.9% | +92.0% | +89.8% | |
| ROIC | 10.3% | 2.4% | 2.6% | 2.5% | 2.8% | 2.3% | 2.1% | 2.4% | 2.1% | 2.0% | 2.1% | 2.6% | 2.6% |
| — | +7.4% | +23.4% | +4.7% | +30.5% | +11.5% | +1.3% | -7.0% | -17.4% | +1.5% | +9.6% | +73.6% | +77.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Capital City Bank Group, Inc.'s Debt/EBITDA ratio is 4.5x, up from 3.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 825.3% YoY to 1.24x, strengthening the short-term liquidity position. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.17 | 0.17 | 0.15 | 0.15 | 0.18 | 0.17 | 0.19 | 0.17 | 0.19 | 0.20 | 0.22 | 0.24 | 0.19 |
| — | +2.0% | -17.9% | -13.3% | -5.2% | -16.2% | -15.1% | -29.6% | -1.8% | -29.0% | -19.8% | -0.6% | -13.8% | |
| Debt / EBITDA | 1.04 | 4.53 | 3.63 | 3.55 | 3.81 | 4.25 | 5.23 | 4.14 | 4.87 | 5.40 | 5.74 | 5.30 | 4.12 |
| — | +6.7% | -30.6% | -14.3% | -21.7% | -21.4% | -8.9% | -21.9% | +18.1% | -25.4% | -24.1% | -36.2% | -45.4% | |
| Current Ratio | 1.24 | 1.24 | 0.14 | 0.14 | 0.14 | 0.13 | 0.12 | 0.11 | 0.11 | 0.11 | 0.11 | 0.12 | 0.13 |
| — | +825.3% | +17.9% | +33.3% | +30.7% | +19.1% | +2.3% | -13.2% | -14.1% | -7.3% | -11.6% | -32.4% | -31.6% | |
| Quick Ratio | 1.24 | 1.24 | 0.14 | 0.14 | 0.14 | 0.13 | 0.12 | 0.11 | 0.11 | 0.11 | 0.11 | 0.12 | 0.13 |
| — | +825.3% | +17.9% | +33.3% | +30.7% | +19.1% | +2.3% | -13.2% | -14.1% | -7.3% | -11.6% | -32.4% | -31.6% | |
| Interest Coverage | 2.56 | 2.47 | 2.68 | 2.42 | 2.67 | 2.01 | 1.71 | 1.81 | 1.81 | 2.05 | 2.24 | 3.48 | 4.93 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Capital City Bank Group, Inc.'s current P/E is 13.1x. The average P/E over the last 4 quarters is 11.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Capital City Bank Group, Inc.'s current operating margin is 30.0%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Capital City Bank Group, Inc.'s business trajectory between earnings reports.