Capital City Bk Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Capital City Bk's revenue grew 7.5% year-over-year to $194.7M, a solid pace of expansion. This earns a growth score of 50/100.
Capital City Bk has elevated debt relative to equity (D/E of 7.73), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Capital City Bk converts 28.2% of revenue into free cash flow ($54.9M). This strong cash generation earns a score of 100/100.
Capital City Bk's ROE of 10.7% shows moderate profitability relative to equity, earning a score of 43/100. This is down from 11.9% the prior year.
Capital City Bk passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Capital City Bk generates $1.20 in operating cash flow ($63.6M OCF vs $52.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Capital City Bk (CCBG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Capital City Bk generated $194.7M in revenue in fiscal year 2024. This represents an increase of 7.5% from the prior year.
Capital City Bk generated $54.9M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 15.0% from the prior year.
Capital City Bk reported $52.9M in net income in fiscal year 2024. This represents an increase of 1.3% from the prior year.
Capital City Bk earned $3.12 per diluted share (EPS) in fiscal year 2024. This represents an increase of 1.6% from the prior year.
Capital City Bk held $391.9M in cash against $0 in long-term debt as of fiscal year 2024.
Capital City Bk paid $0.88 per share in dividends in fiscal year 2024. This represents an increase of 15.8% from the prior year.
Capital City Bk had 17M shares outstanding in fiscal year 2024. This represents an increase of 0.1% from the prior year.
Capital City Bk's net profit margin was 27.2% in fiscal year 2024, showing the share of revenue converted to profit. This is down 1.7 percentage points from the prior year.
Capital City Bk's ROE was 10.7% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 1.2 percentage points from the prior year.
Capital City Bk spent $2.3M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 37.2% from the prior year.
Capital City Bk invested $8.7M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 23.3% from the prior year.
CCBG Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $51.4M-0.1% | $51.5M+3.4% | $49.8M+0.1% | $49.7M+2.0% | $48.8M+4.2% | $46.8M+1.4% | $46.2M+0.9% | $45.8M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $7.9M-4.8% | $8.3M+0.5% | $8.2M-4.7% | $8.6M-9.0% | $9.5M+12.2% | $8.5M+20.7% | $7.0M+8.3% | $6.5M |
| Income Tax | $5.1M+2.9% | $5.0M-2.6% | $5.1M+21.5% | $4.2M+32.3% | $3.2M-9.8% | $3.5M+21.6% | $2.9M-3.2% | $3.0M |
| Net Income | $15.9M+6.0% | $15.0M-10.8% | $16.9M+28.8% | $13.1M-7.5% | $14.2M+12.7% | $12.6M+7.1% | $11.7M-7.4% | $12.7M |
| EPS (Diluted) | $0.93+5.7% | $0.88-11.1% | $0.99+26.9% | $0.78-6.0% | $0.83+12.2% | $0.74+5.7% | $0.70-5.4% | $0.74 |
CCBG Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $4.3B-1.5% | $4.4B-1.6% | $4.5B+3.2% | $4.3B+2.3% | $4.2B-0.8% | $4.3B-1.0% | $4.3B+4.0% | $4.1B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $465.9M-1.6% | $473.4M-9.8% | $524.6M+33.9% | $391.9M+12.6% | $348.0M+14.2% | $304.7M-2.4% | $312.1M+86.3% | $167.5M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | $91.8M | N/A | N/A | $91.8M | N/A |
| Total Liabilities | $3.8B-2.1% | $3.9B-2.1% | $3.9B+3.1% | $3.8B+1.9% | $3.8B-1.2% | $3.8B-1.3% | $3.9B+3.9% | $3.7B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | $314K | N/A |
| Total Equity | $540.6M+2.7% | $526.4M+2.7% | $512.6M+3.5% | $495.3M+7.4% | $461.0M+2.8% | $448.3M+1.7% | $440.6M+5.0% | $419.7M |
| Retained Earnings | $499.2M+2.4% | $487.7M+2.3% | $476.7M+2.8% | $463.9M+4.0% | $446.0M+2.4% | $435.4M+2.1% | $426.3M+2.0% | $418.0M |
CCBG Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $21.6M-33.9% | $32.6M+49.2% | $21.9M+94.6% | $11.2M-54.9% | $24.9M+70.3% | $14.6M+219.1% | $4.6M-81.9% | $25.3M |
| Capital Expenditures | $1.7M-5.2% | $1.8M-22.8% | $2.4M+6.1% | $2.2M+14.5% | $2.0M-12.3% | $2.2M+41.0% | $1.6M-1.3% | $1.6M |
| Free Cash Flow | $19.8M-35.6% | $30.8M+58.0% | $19.5M+116.7% | $9.0M-60.9% | $23.0M+85.1% | $12.4M+313.3% | $3.0M-87.3% | $23.7M |
| Investing Cash Flow | $59.5M+400.8% | $11.9M+295.8% | -$6.1M+86.7% | -$45.5M-162.2% | $73.2M+113.8% | $34.2M+400.3% | -$11.4M-132.3% | $35.2M |
| Financing Cash Flow | -$88.6M+7.4% | -$95.7M-181.8% | $116.9M+44.5% | $80.9M+247.6% | -$54.8M+2.6% | -$56.2M-137.2% | $151.4M+157.8% | -$261.9M |
| Dividends Paid | $4.4M+8.4% | $4.1M0.0% | $4.1M+4.9% | $3.9M+9.7% | $3.6M0.0% | $3.6M+5.0% | $3.4M-0.3% | $3.4M |
| Share Buybacks | $0 | $0 | $0 | $0 | $0-100.0% | $2.3M+295.6% | $589K-46.4% | $1.1M |
CCBG Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 31.0%+1.8pp | 29.2%-4.6pp | 33.9%+7.5pp | 26.3%-2.7pp | 29.0%+2.2pp | 26.8%+1.4pp | 25.4%-2.3pp | 27.7% |
| Return on Equity | 2.9%+0.1pp | 2.9%-0.4pp | 3.3%+0.6pp | 2.6%-0.4pp | 3.1%+0.3pp | 2.8%+0.1pp | 2.7%-0.4pp | 3.0% |
| Return on Assets | 0.4%+0.0pp | 0.3%-0.0pp | 0.4%+0.1pp | 0.3%-0.0pp | 0.3%+0.0pp | 0.3%+0.0pp | 0.3%-0.0pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.00-0.3 | 7.34-0.4 | 7.70-0.0 | 7.73-0.4 | 8.15-0.3 | 8.49+8.5 | 0.00-8.8 | 8.84 |
| FCF Margin | 38.5%-21.3pp | 59.8%+20.7pp | 39.1%+21.1pp | 18.1%-29.0pp | 47.1%+20.6pp | 26.5%+20.0pp | 6.5%-45.3pp | 51.8% |
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Frequently Asked Questions
What is Capital City Bk's annual revenue?
Capital City Bk (CCBG) reported $194.7M in total revenue for fiscal year 2024. This represents a 7.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Capital City Bk's revenue growing?
Capital City Bk (CCBG) revenue grew by 7.5% year-over-year, from $181.1M to $194.7M in fiscal year 2024.
Is Capital City Bk profitable?
Yes, Capital City Bk (CCBG) reported a net income of $52.9M in fiscal year 2024, with a net profit margin of 27.2%.
What is Capital City Bk's earnings per share (EPS)?
Capital City Bk (CCBG) reported diluted earnings per share of $3.12 for fiscal year 2024. This represents a 1.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Capital City Bk's net profit margin?
Capital City Bk (CCBG) had a net profit margin of 27.2% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Capital City Bk pay dividends?
Yes, Capital City Bk (CCBG) paid $0.88 per share in dividends during fiscal year 2024.
What is Capital City Bk's return on equity (ROE)?
Capital City Bk (CCBG) has a return on equity of 10.7% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Capital City Bk's free cash flow?
Capital City Bk (CCBG) generated $54.9M in free cash flow during fiscal year 2024. This represents a 15.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Capital City Bk's operating cash flow?
Capital City Bk (CCBG) generated $63.6M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Capital City Bk's total assets?
Capital City Bk (CCBG) had $4.3B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Capital City Bk's capital expenditures?
Capital City Bk (CCBG) invested $8.7M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Capital City Bk buy back shares?
Yes, Capital City Bk (CCBG) spent $2.3M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Capital City Bk have outstanding?
Capital City Bk (CCBG) had 17M shares outstanding as of fiscal year 2024.
What is Capital City Bk's debt-to-equity ratio?
Capital City Bk (CCBG) had a debt-to-equity ratio of 7.73 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Capital City Bk's return on assets (ROA)?
Capital City Bk (CCBG) had a return on assets of 1.2% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Capital City Bk's Piotroski F-Score?
Capital City Bk (CCBG) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Capital City Bk's earnings high quality?
Capital City Bk (CCBG) has an earnings quality ratio of 1.20x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Capital City Bk?
Capital City Bk (CCBG) scores 48 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.