What is Capital City Bk's earnings per share (EPS)?

Capital City Bk (CCBG) reported diluted earnings per share of $3.60 for fiscal year 2025. This represents a 15.4% 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.

Capital City Bk Financials

CCBG

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Capital City Bk (CCBG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).

Financial Health Signals

Financial Profile 44/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Capital City Bk's revenue grew 5.0% year-over-year to $204.4M, a solid pace of expansion. This earns a growth score of 42/100.

Leverage

Capital City Bk has elevated debt relative to equity (D/E of 6.93), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Capital City Bk converts 39.1% of revenue into free cash flow ($80.0M). This strong cash generation earns a score of 100/100.

Returns

Capital City Bk's ROE of 11.1% shows moderate profitability relative to equity, earning a score of 36/100. This is up from 10.7% the prior year.

Piotroski F-Score Neutral

5/9

Capital City Bk passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.42x

For every $1 of reported earnings, Capital City Bk generates $1.42 in operating cash flow ($87.6M OCF vs $61.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$204.4M

YoY+5.0%

5Y CAGR+14.0%

10Y CAGR+9.9%

Capital City Bk generated $204.4M in revenue in fiscal year 2025. This represents an increase of 5.0% from the prior year.

EBITDA

N/A

Net Income

$61.6M

YoY+16.3%

5Y CAGR+14.3%

10Y CAGR+21.0%

Capital City Bk reported $61.6M in net income in fiscal year 2025. This represents an increase of 16.3% from the prior year.

EPS (Diluted)

$3.60

YoY+15.4%

5Y CAGR+13.9%

10Y CAGR+21.1%

Capital City Bk earned $3.60 per diluted share (EPS) in fiscal year 2025. This represents an increase of 15.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$80.0M

YoY+45.8%

10Y CAGR+10.7%

Capital City Bk generated $80.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 45.8% from the prior year.

Cash & Debt

$530.0M

YoY+35.2%

5Y CAGR-10.6%

Capital City Bk held $530.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.00

YoY+13.6%

5Y CAGR+11.9%

10Y CAGR+22.6%

Capital City Bk paid $1.00 per share in dividends in fiscal year 2025. This represents an increase of 13.6% from the prior year.

Shares Outstanding

17M

YoY+0.6%

5Y CAGR+0.3%

10Y CAGR-0.0%

Capital City Bk had 17M shares outstanding in fiscal year 2025. This represents an increase of 0.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

30.1%

YoY+2.9pp

5Y CAGR+0.4pp

10Y CAGR+18.7pp

Capital City Bk's net profit margin was 30.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.9 percentage points from the prior year.

Return on Equity

11.1%

YoY+0.4pp

5Y CAGR+1.3pp

10Y CAGR+7.8pp

Capital City Bk's ROE was 11.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

YoY-100.0%

Capital City Bk spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

$7.6M

YoY-12.6%

5Y CAGR-4.9%

10Y CAGR+4.9%

Capital City Bk invested $7.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 12.6% from the prior year.

CCBG Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$204.4M+5.0%	$194.7M+7.5%	$181.1M+37.3%	$131.9M+24.0%	$106.4M+0.1%	$106.2M
Cost of Revenue	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
R&D Expenses	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
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$32.7M-8.3%	$35.7M+61.8%	$22.1M+220.6%	$6.9M+97.4%	$3.5M-28.4%	$4.9M
Income Tax	$20.2M+44.8%	$13.9M+6.8%	$13.0M+67.2%	$7.8M-20.7%	$9.8M-3.9%	$10.2M
Net Income	$61.6M+16.3%	$52.9M+1.3%	$52.3M+56.4%	$33.4M0.0%	$33.4M+5.8%	$31.6M
EPS (Diluted)	$3.60+15.4%	$3.12+1.6%	$3.07+55.8%	$1.97-0.5%	$1.98+5.3%	$1.88

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$51.7M+0.6%	$51.4M-0.1%	$51.5M+3.4%	$49.8M+0.1%	$49.7M+0.8%	$49.3M+1.2%	$48.8M+4.2%	$46.8M
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	$8.4M+6.1%	$7.9M-4.8%	$8.3M+0.5%	$8.2M-4.7%	$8.6M-5.2%	$9.1M-4.0%	$9.5M+12.2%	$8.5M
Income Tax	$4.9M-4.8%	$5.1M+2.9%	$5.0M-2.6%	$5.1M+21.5%	$4.2M+41.6%	$3.0M-6.6%	$3.2M-9.8%	$3.5M
Net Income	$13.7M-14.1%	$15.9M+6.0%	$15.0M-10.8%	$16.9M+28.8%	$13.1M-0.2%	$13.1M-7.3%	$14.2M+12.7%	$12.6M
EPS (Diluted)	N/A	$0.93+5.7%	$0.88-11.1%	$0.99	N/A	$0.77-7.2%	$0.83+12.2%	$0.74

CCBG Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$4.4B+1.4%	$4.3B+0.5%	$4.3B-4.8%	$4.5B+6.0%	$4.3B+12.3%	$3.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$530.0M+35.2%	$391.9M+25.6%	$312.1M-48.0%	$600.6M-42.0%	$1.0B+11.5%	$928.5M
Inventory	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
Goodwill	$89.1M-2.9%	$91.8M0.0%	$91.8M0.0%	$91.8M0.0%	$91.8M+3.0%	$89.1M
Total Liabilities	$3.8B+0.1%	$3.8B-0.7%	$3.9B-6.5%	$4.1B+6.6%	$3.9B+12.0%	$3.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	$314K-38.8%	$513K-42.0%	$884K-71.1%	$3.1M
Total Equity	$552.9M+11.6%	$495.3M+12.4%	$440.6M+13.8%	$387.3M+1.1%	$383.2M+19.4%	$320.8M
Retained Earnings	$508.4M+9.6%	$463.9M+8.8%	$426.3M+10.1%	$387.0M+6.1%	$364.8M+9.7%	$332.5M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$4.4B+1.4%	$4.3B-1.5%	$4.4B-1.6%	$4.5B+3.2%	$4.3B+2.4%	$4.2B0.0%	$4.2B-0.8%	$4.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$530.0M+13.8%	$465.9M-1.6%	$473.4M-9.8%	$524.6M+33.9%	$391.9M+13.5%	$345.2M-0.8%	$348.0M+14.2%	$304.7M
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	$89.1M	N/A	N/A	N/A	$91.8M	N/A	N/A	N/A
Total Liabilities	$3.8B+1.3%	$3.8B-2.1%	$3.9B-2.1%	$3.9B+3.1%	$3.8B+2.3%	$3.7B-0.4%	$3.8B-1.2%	$3.8B
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	N/A	N/A
Total Equity	$552.9M+2.3%	$540.6M+2.7%	$526.4M+2.7%	$512.6M+3.5%	$495.3M+3.9%	$476.5M+3.4%	$461.0M+2.8%	$448.3M
Retained Earnings	$508.4M+1.9%	$499.2M+2.4%	$487.7M+2.3%	$476.7M+2.8%	$463.9M+2.1%	$454.3M+1.9%	$446.0M+2.4%	$435.4M

CCBG Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$87.6M+37.8%	$63.6M+16.0%	$54.8M-40.9%	$92.7M-24.1%	$122.2M+351.3%	-$48.6M
Capital Expenditures	$7.6M-12.6%	$8.7M+23.3%	$7.0M+11.5%	$6.3M+21.7%	$5.2M-46.7%	$9.7M
Free Cash Flow	$80.0M+45.8%	$54.9M+15.0%	$47.7M-44.7%	$86.4M-26.2%	$117.0M+300.5%	-$58.3M
Investing Cash Flow	$64.4M-5.8%	$68.4M+199.7%	-$68.5M+91.1%	-$765.8M-68.7%	-$454.0M-1292.8%	-$32.6M
Financing Cash Flow	-$13.9M+73.3%	-$52.1M+81.0%	-$274.8M-215.3%	$238.4M-45.6%	$438.6M-30.5%	$631.3M
Dividends Paid	$17.1M+14.5%	$14.9M+15.5%	$12.9M+15.3%	$11.2M+7.0%	$10.5M+9.3%	$9.6M
Share Buybacks	$0-100.0%	$2.3M-37.2%	$3.7M	$0	$0-100.0%	$2.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$11.6M-46.4%	$21.6M-33.9%	$32.6M+49.2%	$21.9M+94.6%	$11.2M-11.9%	$12.8M-48.9%	$24.9M+70.3%	$14.6M
Capital Expenditures	$1.6M-7.0%	$1.7M-5.2%	$1.8M-22.8%	$2.4M+6.1%	$2.2M+0.1%	$2.2M+14.4%	$2.0M-12.3%	$2.2M
Free Cash Flow	$9.9M-49.9%	$19.8M-35.6%	$30.8M+58.0%	$19.5M+116.7%	$9.0M-14.4%	$10.5M-54.3%	$23.0M+85.1%	$12.4M
Investing Cash Flow	-$929K-101.6%	$59.5M+400.8%	$11.9M+295.8%	-$6.1M+86.7%	-$45.5M-801.7%	$6.5M-91.1%	$73.2M+113.8%	$34.2M
Financing Cash Flow	$53.4M+160.3%	-$88.6M+7.4%	-$95.7M-181.8%	$116.9M+44.5%	$80.9M+467.7%	-$22.0M+59.8%	-$54.8M+2.6%	-$56.2M
Dividends Paid	$4.4M0.0%	$4.4M+8.4%	$4.1M0.0%	$4.1M+4.9%	$3.9M+0.1%	$3.9M+9.6%	$3.6M0.0%	$3.6M
Share Buybacks	$0	$0	$0	$0	$0	$0	$0-100.0%	$2.3M

CCBG Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	30.1%+2.9pp	27.2%-1.7pp	28.9%+3.5pp	25.3%-6.1pp	31.4%+1.7pp	29.7%
Return on Equity	11.1%+0.4pp	10.7%-1.2pp	11.9%+3.2pp	8.6%-0.1pp	8.7%-1.1pp	9.8%
Return on Assets	1.4%+0.2pp	1.2%+0.0pp	1.2%+0.5pp	0.7%-0.0pp	0.8%-0.1pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.93-0.8	7.73+7.7	0.000.0	0.000.0	0.000.0	0.01
FCF Margin	39.1%+11.0pp	28.2%+1.8pp	26.4%-39.1pp	65.5%-44.5pp	110.0%+164.9pp	-54.9%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	26.5%-4.5pp	31.0%+1.8pp	29.2%-4.6pp	33.9%+7.5pp	26.3%-0.3pp	26.6%-2.4pp	29.0%+2.2pp	26.8%
Return on Equity	2.5%-0.5pp	2.9%+0.1pp	2.9%-0.4pp	3.3%+0.6pp	2.6%-0.1pp	2.8%-0.3pp	3.1%+0.3pp	2.8%
Return on Assets	0.3%-0.1pp	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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.93-0.1	7.00-0.3	7.34-0.4	7.70-0.0	7.73-0.1	7.85-0.3	8.15-0.3	8.49
FCF Margin	19.2%-19.3pp	38.5%-21.3pp	59.8%+20.7pp	39.1%+21.1pp	18.1%-3.2pp	21.3%-25.8pp	47.1%+20.6pp	26.5%

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Frequently Asked Questions

What is Capital City Bk's annual revenue?

Capital City Bk (CCBG) reported $204.4M in total revenue for fiscal year 2025. This represents a 5.0% 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 5% year-over-year, from $194.7M to $204.4M in fiscal year 2025.

Is Capital City Bk profitable?

Yes, Capital City Bk (CCBG) reported a net income of $61.6M in fiscal year 2025, with a net profit margin of 30.1%.

What is Capital City Bk's net profit margin?

Capital City Bk (CCBG) had a net profit margin of 30.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Capital City Bk pay dividends?

Yes, Capital City Bk (CCBG) paid $1.00 per share in dividends during fiscal year 2025.

What is Capital City Bk's return on equity (ROE)?

Capital City Bk (CCBG) has a return on equity of 11.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Capital City Bk's free cash flow?

Capital City Bk (CCBG) generated $80.0M in free cash flow during fiscal year 2025. This represents a 45.8% 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 $87.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Capital City Bk's total assets?

Capital City Bk (CCBG) had $4.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Capital City Bk's capital expenditures?

Capital City Bk (CCBG) invested $7.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Capital City Bk have outstanding?

Capital City Bk (CCBG) had 17M shares outstanding as of fiscal year 2025.

What is Capital City Bk's debt-to-equity ratio?

Capital City Bk (CCBG) had a debt-to-equity ratio of 6.93 as of fiscal year 2025, 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 1.4% for fiscal year 2025, 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 5 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 1.42x, 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 44 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.