Capital City Bk Financials
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).
Profitability is rising faster than the balance sheet, indicating better earnings extraction from existing assets and capital rather than simple asset growth.
From FY2023 to FY2025, total assets stayed near$4.3B while net income rose to$61.6M , so profit improved without needing a much larger balance sheet. With return on assets moving from1.2% to1.4% , the company is earning more per dollar of assets, pointing to better balance-sheet mix and funding economics rather than simple size growth.
Equity has rebuilt to
FY2025 operating cash flow of
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Capital City Bk's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Capital City Bk passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 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.
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
Earnings & Revenue
Capital City Bk generated $204.4M in revenue in fiscal year 2025. This represents an increase of 5.0% from the prior year.
Capital City Bk reported $61.6M in net income in fiscal year 2025. This represents an increase of 16.3% from the prior year.
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
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.
Capital City Bk held $530.0M in cash against $0 in long-term debt as of fiscal year 2025.
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.
Capital City Bk had 17M shares outstanding in fiscal year 2025. This represents an increase of 0.6% from the prior year.
Margins & Returns
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.
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
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 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 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $51.0M-1.3% | $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 |
| 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 | $25.7M-9.4% | $28.4M+8.9% | $26.1M-1.6% | $26.5M+0.9% | $26.2M+0.5% | $26.1M+1.2% | $25.8M+5.7% | $24.4M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $8.2M-1.8% | $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 |
| Income Tax | $4.8M-1.0% | $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 |
| Net Income | $15.8M+15.4% | $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 |
| EPS (Diluted) | $0.92 | N/A | $0.93+5.7% | $0.88-11.1% | $0.99 | N/A | $0.77-7.2% | $0.83 |
CCBG Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $4.5B+1.5% | $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 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $489.0M-7.7% | $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 |
| 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 | $89.1M0.0% | $89.1M | N/A | N/A | N/A | $91.8M | N/A | N/A |
| Total Liabilities | $3.9B+1.6% | $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 |
| 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 | $559.9M+1.3% | $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 |
| Retained Earnings | $519.6M+2.2% | $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 |
CCBG Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $15.9M+37.8% | $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 |
| Capital Expenditures | $1.3M-21.1% | $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 |
| Free Cash Flow | $14.7M+47.5% | $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 |
| Investing Cash Flow | -$112.9M-12051.9% | -$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 |
| Financing Cash Flow | $56.0M+4.7% | $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 |
| Dividends Paid | $4.6M+4.3% | $4.4M0.0% | $4.4M+8.4% | $4.1M0.0% | $4.1M+4.9% | $3.9M+0.1% | $3.9M+9.6% | $3.6M |
| Share Buybacks | $2.6M | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
CCBG Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 31.0%+4.5pp | 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% |
| Return on Equity | 2.8%+0.3pp | 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% |
| Return on Assets | 0.4%+0.1pp | 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% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 6.95+0.0 | 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 |
| FCF Margin | 28.7%+9.5pp | 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% |
Similar Companies
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.
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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 52 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.