Capital City Bank Group Inc (CCBG) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q1 FY2026, filed Apr 28, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CCBG SEC filings page.
Capital City Bank Group Inc (CCBG) reported $255.3M in revenue over the twelve months to Mar 31, 2026, up 6.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
The bank’s numbers show improving earnings and cash generation, but its asset-heavy funding structure keeps returns on assets modest.
In FY2025, a24.2% net margin alongside only1.4% return on assets points to a balance-sheet-intensive model: strong profitability on revenue does not translate into equally high returns on the full asset base. That gap makes asset utilization more informative than margin alone.
Cash conversion strengthened with the earnings cycle: FY2025 operating cash flow was
The funding structure is liability-led: FY2025 total liabilities were
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 Bank Group Inc'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 Bank Group Inc earned a return on assets of 1.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.2% the prior year. Earnings ranks banks on that return over three years, and Capital City Bank Group Inc scores 79/100 among other banks.
Capital City Bank Group Inc reported revenue of $254.0M in fiscal year 2025, against $234.9M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Capital City Bank Group Inc scores 36/100 among other banks.
Capital City Bank Group Inc funded 12.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $552.9M of equity against $4.4B of assets. Capital ranks banks on that cushion, and Capital City Bank Group Inc scores 65/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Capital City Bank Group Inc scores 36/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Capital City Bank Group Inc scores 47/100 on it among other banks.
Capital City Bank Group Inc reported net income of $61.6M in fiscal year 2025, against $52.9M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Capital City Bank Group Inc scores 51/100 among other banks.
Capital City Bank Group Inc 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 Bank Group Inc 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 Bank Group Inc generated $62.8M in revenue in Q1 2026. This represents an increase of 2.1% from the same quarter a year earlier. Against the prior quarter it is down 1.1%.
Capital City Bank Group Inc reported $15.8M in net income in Q1 2026. This represents a decrease of 6.2% from the same quarter a year earlier. Against the prior quarter it is up 15.4%.
Capital City Bank Group Inc earned $0.92 per diluted share (EPS) in Q1 2026. This represents a decrease of 7.1% from the same quarter a year earlier. Against the prior quarter it is up 15.0%.
Not reported for Q1 2026.
Cash & Balance Sheet
Capital City Bank Group Inc generated $14.7M in free cash flow in Q1 2026, representing cash available after capex. This represents a decrease of 24.8% from the same quarter a year earlier. Against the prior quarter it is up 47.5%.
Capital City Bank Group Inc held $489.0M in cash as of Q1 2026; long-term debt is not reported for that period.
Capital City Bank Group Inc paid $0.27 per share in dividends in Q1 2026. This represents an increase of 12.5% from the same quarter a year earlier. Against the prior quarter it is up 3.8%.
Margins & Returns
Capital City Bank Group Inc's net profit margin was 25.2% in Q1 2026, showing the share of revenue converted to profit. This is down 2.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.6 percentage points.
Capital City Bank Group Inc's ROE was 2.8% in Q1 2026, measuring profit generated per dollar of shareholder equity. This is down 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.
Not reported for Q1 2026.
Not reported for Q1 2026.
Capital Allocation
Capital City Bank Group Inc spent $2.6M on share buybacks in Q1 2026, returning capital to shareholders by reducing shares outstanding.
Capital City Bank Group Inc invested $1.3M in capex in Q1 2026, funding long-term assets and infrastructure. This represents a decrease of 46.3% from the same quarter a year earlier. Against the prior quarter it is down 21.1%.
Not reported for Q1 2026.
CCBG Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $62.8M+2.1% | $63.5M+6.0% | $65.9M+10.3% | $63.2M+7.3% | $61.5M+8.9% | $59.9M+6.3% | $59.7M+6.6% | $58.9M-2.0% |
| SG&A Expenses | $25.7M-2.1% | $28.4M+8.7% | $26.1M+1.0% | $26.5M+8.5% | $26.2M+7.5% | $26.1M+9.6% | $25.8M+12.2% | $24.4M+4.1% |
| Interest Expense | $8.2M-0.4% | $8.4M-3.3% | $7.9M-13.6% | $8.3M-12.9% | $8.2M-2.7% | $8.6M+23.2% | $9.1M+40.8% | $9.5M+87.4% |
| Income Tax | $4.8M-5.4% | $4.9M+16.0% | $5.1M+72.5% | $5.0M+56.7% | $5.1M+45.0% | $4.2M+45.0% | $3.0M-0.8% | $3.2M-6.7% |
| Net Income | $15.8M-6.2% | $13.7M+4.7% | $15.9M+21.6% | $15.0M+6.3% | $16.9M+34.3% | $13.1M+11.7% | $13.1M+3.7% | $14.2M-0.2% |
| EPS (Basic) | $0.92-7.1% | $0.80+3.9% | $0.93+20.8% | $0.88+4.8% | $0.99+33.8% | $0.77+10.0% | $0.77+2.7% | $0.84+1.2% |
| EPS (Diluted) | $0.92-7.1% | $0.80+3.9% | $0.93+20.8% | $0.88+6.0% | $0.99+33.8% | $0.77+11.6% | $0.77+4.1% | $0.830.0% |
| Diluted Shares (Avg) | 17,146+0.6% | N/A | 17M+0.8% | 17M+0.8% | 17,044+0.4% | N/A | 17M-0.3% | 17M-0.4% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
CCBG Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $4.5B-0.2% | $4.4B+1.4% | $4.3B+2.3% | $4.4B+3.9% | $4.5B+4.7% | $4.3B+0.5% | $4.2B+2.1% | $4.2B-3.8% |
| Cash & Equivalents | $489.0M-6.8% | $530.0M+35.2% | $465.9M+35.0% | $473.4M+36.0% | $524.6M+72.2% | $391.9M+25.6% | $345.2M+106.1% | $348.0M-5.6% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $89.1M | $89.1M-2.9% | N/A | N/A | N/A | $91.8M0.0% | N/A | N/A |
| Total Liabilities | $3.9B-1.4% | $3.8B+0.1% | $3.8B+1.1% | $3.9B+2.9% | $3.9B+3.8% | $3.8B-0.7% | $3.7B+0.8% | $3.8B-5.3% |
| Total Equity | $559.9M+9.2% | $552.9M+11.6% | $540.6M+13.5% | $526.4M+14.2% | $512.6M+14.3% | $495.3M+12.4% | $476.5M+13.5% | $461.0M+11.8% |
| Retained Earnings | $519.6M+9.0% | $508.4M+9.6% | $499.2M+9.9% | $487.7M+9.4% | $476.7M+9.5% | $463.9M+8.8% | $454.3M+8.7% | $446.0M+9.1% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
CCBG Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $15.9M-27.1% | $11.6M+2.9% | $21.6M+69.1% | $32.6M+30.8% | $21.9M+49.3% | $11.2M+144.9% | $12.8M-49.7% | $24.9M+489.5% |
| Stock-Based Compensation | $501K+25.6% | N/A | $448K+5.4% | $526K+63.4% | $399K+1.8% | N/A | $425K+22.8% | $322K+41.2% |
| Capital Expenditures | $1.3M-46.3% | $1.6M-27.8% | $1.7M-22.2% | $1.8M-6.2% | $2.4M+6.5% | $2.2M+41.5% | $2.2M+39.6% | $2.0M-0.2% |
| Free Cash Flow | $14.7M-24.8% | $9.9M+10.5% | $19.8M+88.6% | $30.8M+34.0% | $19.5M+57.0% | $9.0M+199.5% | $10.5M-55.7% | $23.0M+914.4% |
| Investing Cash Flow | -$112.9M-1759.8% | -$929K+98.0% | $59.5M+818.0% | $11.9M-83.8% | -$6.1M-117.7% | -$45.5M-299.4% | $6.5M-81.6% | $73.2M+974.2% |
| Financing Cash Flow | $56.0M-52.1% | $53.4M-33.9% | -$88.6M-302.6% | -$95.7M-74.6% | $116.9M+307.9% | $80.9M-46.6% | -$22.0M+91.6% | -$54.8M-265.2% |
| Dividends Paid | $4.6M+13.1% | $4.4M+13.8% | $4.4M+13.9% | $4.1M+15.2% | $4.1M+15.1% | $3.9M+15.1% | $3.9M+14.7% | $3.6M+16.3% |
| Share Buybacks | $2.6M | $0 | $0 | $0 | $0-100.0% | $0-100.0% | $0-100.0% | $0-100.0% |
Not reported in any period shown, so not listed: Depreciation & Amortization.
CCBG Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 25.2%-2.2pp | 21.6%-0.3pp | 24.2%+2.3pp | 23.8%-0.2pp | 27.4%+5.2pp | 21.9%+1.1pp | 22.0%-0.6pp | 24.0%+0.5pp |
| Return on Equity | 2.8%-0.5pp | 2.5%-0.2pp | 2.9%+0.2pp | 2.9%-0.2pp | 3.3%+0.5pp | 2.6%0.0pp | 2.8%-0.3pp | 3.1%-0.4pp |
| Return on Assets | 0.4%0.0pp | 0.3%0.0pp | 0.4%+0.1pp | 0.3%0.0pp | 0.4%+0.1pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%0.0pp |
| Debt-to-Equity | 6.95-0.7x | 6.93-0.8x | 7.00-0.9x | 7.34-0.8x | 7.70-0.8x | 7.73+7.7x | 7.85-1.0x | 8.15-1.5x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.020.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 23.4%-8.3pp | 15.7%+0.6pp | 30.1%+12.5pp | 48.7%+9.7pp | 31.7%+9.7pp | 15.0%+9.7pp | 17.6%-24.8pp | 39.0%+35.3pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Capital City Bank Group Inc CCBG | FY2025 | $254.0M | $61.6M | 24.2% | $823.1M | 52/100 |
| Equity Bancshares, Inc. EQBK | FY2025 | $210.1M | $22.7M | 10.8% | $961.7M | 35/100 |
| Great Southern Bancorp Inc GSBC | FY2025 | $229.3M | $71.0M | 30.9% | $836.3M | 65/100 |
| HBT Financial, Inc. HBT | FY2025 | $237.1M | $77.0M | 32.5% | $1.3B | 55/100 |
| CNB Financial Corp/PA CCNE | FY2025 | $282.2M | $66.1M | 23.4% | $985.8M | 47/100 |
| NB Bancorp, Inc. NBBK | FY2025 | $213.7M | $50.3M | 23.5% | $969.3M | 55/100 |
Where Capital City Bank Group Inc Ranks
Frequently Asked Questions
What is Capital City Bank Group Inc's annual revenue?
Capital City Bank Group Inc (CCBG) reported $254.0M in total revenue for fiscal year 2025. This represents a 8.1% 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 Bank Group Inc's revenue growing?
Capital City Bank Group Inc (CCBG) revenue grew by 8.1% year-over-year, from $234.9M to $254.0M in fiscal year 2025.
Is Capital City Bank Group Inc profitable?
Yes, Capital City Bank Group Inc (CCBG) reported a net income of $61.6M in fiscal year 2025, with a net profit margin of 24.2%.
What is Capital City Bank Group Inc's net profit margin?
Capital City Bank Group Inc (CCBG) had a net profit margin of 24.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Capital City Bank Group Inc pay dividends?
Yes, Capital City Bank Group Inc (CCBG) paid $1.00 per share in dividends during fiscal year 2025.
What is Capital City Bank Group Inc's return on equity (ROE)?
Capital City Bank Group Inc (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 Bank Group Inc's free cash flow?
Capital City Bank Group Inc (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 Bank Group Inc's operating cash flow?
Capital City Bank Group Inc (CCBG) generated $87.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Capital City Bank Group Inc's total assets?
Capital City Bank Group Inc (CCBG) had $4.4B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Capital City Bank Group Inc's capital expenditures?
Capital City Bank Group Inc (CCBG) invested $7.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Capital City Bank Group Inc's debt-to-equity ratio?
Capital City Bank Group Inc (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 Bank Group Inc's return on assets (ROA)?
Capital City Bank Group Inc (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 Bank Group Inc's P/E ratio?
Capital City Bank Group Inc (CCBG) trades at 13.6x earnings, its market capitalization divided by net income of $60.5M net income, trailing 12 months to March 31, 2026. The market capitalization is $823.1M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Capital City Bank Group Inc's price-to-sales ratio?
Capital City Bank Group Inc (CCBG) trades at 3.2x sales, its market capitalization divided by revenue of $255.3M revenue, trailing 12 months to March 31, 2026. The market capitalization is $823.1M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Capital City Bank Group Inc's Piotroski F-Score?
Capital City Bank Group Inc (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 Bank Group Inc's earnings high quality?
Capital City Bank Group Inc (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 Bank Group Inc?
Capital City Bank Group Inc (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.