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CCBG

Capital City Bank Group, Inc.

CCBG

Capital City Bank Group, Inc. • NASDAQ
$41.92 ▼ -0.90% (-0.38)
Market Cap $715.53 M
52w High $44.69
52w Low $32.38
Dividend Yield 0.97%
P/E 11.74
Volume 15.66K
Outstanding Shares 17.07M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $71.287M ▲ $40.441M ▲ $15.95M ▲ 22.374% ▲ $0.93 ▲ $22.99M ▲
Q2-2025 $68.982M ▲ $40.047M ▲ $15.044M ▼ 21.809% ▼ $0.88 ▼ $21.946M ▼
Q1-2025 $67.22M ▲ $36.232M ▼ $16.858M ▲ 25.079% ▲ $0.99 ▲ $23.835M ▲
Q4-2024 $66.122M ▼ $39.401M ▼ $13.09M ▼ 19.797% ▲ $0.77 $19.293M ▲
Q3-2024 $66.581M $40.661M $13.118M 19.702% $0.77 $17.345M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $0 ▼ $4.324B ▼ $3.783B ▼ $540.635M ▲
Q2-2025 $529.642M ▼ $4.392B ▼ $3.865B ▼ $526.423M ▲
Q1-2025 $543.061M ▲ $4.461B ▲ $3.949B ▲ $512.575M ▲
Q4-2024 $496.461M ▲ $4.325B ▲ $3.83B ▲ $495.317M ▲
Q3-2024 $419.618M $4.225B $3.742B $483.316M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $15.044M ▼ $32.624M ▲ $11.886M ▲ $-95.671M ▼ $-51.161M ▼ $30.784M ▲
Q1-2025 $16.858M ▲ $21.867M ▲ $-6.07M ▲ $116.912M ▲ $132.709M ▲ $19.485M ▲
Q4-2024 $13.09M ▼ $11.239M ▼ $-45.499M ▼ $80.904M ▲ $46.644M ▲ $8.993M ▼
Q3-2024 $13.118M ▼ $12.75M ▼ $6.484M ▼ $-22.003M ▲ $-2.769M ▼ $10.506M ▼
Q2-2024 $14.15M $24.937M $73.153M $-54.8M $43.29M $22.976M

Revenue by Products

Product Q3-2024Q4-2024Q1-2025Q2-2025
Credit And Debit Card
Credit And Debit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit fees
Deposit fees
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲
Mortgage Banking Revenues
Mortgage Banking Revenues
 $0 ▲$0 ▲$0 ▲$0 ▲
Wealth Management fees
Wealth Management fees
 $0 ▲$0 ▲$10.00M ▲$10.00M ▲

Five-Year Company Overview

Income Statement

Income Statement Earnings have trended upward over the past five years, with revenue and profits both moving in the right direction. Profitability has nudged higher as operating earnings grew faster than overall revenue, suggesting better efficiency and cost control. The jump in earnings per share after 2021 indicates the bank has been able to convert its business growth into stronger bottom-line results, not just top-line expansion.

Balance Sheet

Balance Sheet The balance sheet looks conservatively managed. Total assets have been broadly stable, while debt has edged down and shareholder equity has steadily built up, pointing to a stronger capital position over time. Cash levels have been fairly consistent, which, combined with the bank’s deposit-focused funding model, supports the idea of a “fortress” style balance sheet with an emphasis on stability rather than aggressive leverage.

Cash Flow

Cash Flow Cash generation from the core business has generally been solid, aside from a rough patch in 2020. Since then, operating and free cash flow have both been consistently positive and closely matched, reflecting low, predictable spending on physical assets. This pattern fits a mature regional bank that does not require heavy capital outlays and suggests decent flexibility to support dividends, technology investments, and balance sheet strength, subject to regulatory capital needs.

Competitive Edge

Competitive Edge CCBG competes as a relationship-driven regional bank with deep roots in its communities across Florida, Georgia, and Alabama. Its strengths lie in long-standing customer ties, a strong local brand, and a funding base built mainly on stable customer deposits. Diversified income from wealth management and mortgage services gives it more balance than a pure lending bank. The main pressures are the usual ones for regional banks: competition from large national players and digital-only providers, plus sensitivity to local economic and interest-rate conditions.

Innovation and R&D

Innovation and R&D The bank is not a high‑tech disruptor, but it is steadily modernizing. Interactive teller machines, robust digital and mobile banking, and advanced treasury services for business clients show a clear push to blend personal service with technology. The new technology leadership and interest in tools like artificial intelligence point to further incremental improvements rather than radical bets. The key execution risk is keeping pace with rising customer expectations and larger banks’ digital capabilities while staying within the constraints of a conservative balance sheet.

Summary

Overall, CCBG presents as a cautious, steadily growing regional bank: profits and earnings per share have improved, capital strength has increased, and cash flows are generally reliable. Its edge comes from a long history, strong community relationships, and a measured approach to technology that supports service and efficiency. The main uncertainties are external—economic cycles, credit quality, regulation, and competitive pressure from bigger and more tech-heavy rivals—rather than signs of internal financial weakness in the recent data.

NEWS

November 18, 2025 · 7:15 AM UTC

Capital City Bank Rises in American Banker's “Best Banks to Work For” List

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November 13, 2025 · 10:00 AM UTC

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October 14, 2025 · 4:45 PM UTC

Capital City Bank Group, Inc. to Announce Quarterly Earnings Results on Tuesday, October 21, 2025

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