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Capital City Bank Group, Inc.(CCBG)Earnings, Financials & Key Ratios
CCBG•NASDAQ•Banking & Credit
$49.52
13.8× P/E·Price updated Jul 6, 2026
AboutCapital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking and banking-related services to individual and corporate clients. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. It also provides commercial and residential real estate lending products, as well as fixed- and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans; and credit card programs. In addition, the company offers institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Further, it provides consumer banking services comprising checking accounts, savings programs, interactive/automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and online and mobile banking services. Additionally, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and various retail securities products, such as the U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care. As of December 31, 2021, it operated through 57 banking offices and 86 ATMs/ITMs in Florida, Georgia, and Alabama. The company was founded in 1895 and is headquartered in Tallahassee, Florida.Show more
- Net Interest Income$172M+8.0%
- Total Revenue$279M+6.5%
- Net Income$62M+16.3%
- Return on Equity11.75%+4.7%
- Net Interest Margin3.91%+6.5%
- Efficiency Ratio57.14%-4.5%
- ROA1.41%+15.2%
- Equity / Assets12.61%+10.1%
- Book Value per Share32.26+10.5%
CCBG Price & Volume
Capital City Bank Group, Inc. (CCBG) stock price & volume — 10-year historical chart
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Conservative Capitalization Offsets Regional Credit Risk Exposure
Investment Thesis • Updated 2026Q1
VerdictNeutral: While the bank offers a 2.0% dividend yield
Growth:Stable
Profitability:Strong
Financial:Fortress
Cash Flow:Stable
Primary Risk:Regional Real Estate Concentration
Key Thesis Takeaways
- Capital City Bank Group maintains a fortress balance sheet with an equity-to-assets ratio of 0.13, providing a robust buffer against potential volatility in its concentrated Florida real estate portfolio.
- While the bank demonstrates disciplined capital return through $4.6 million in quarterly dividends, investors should monitor the recent $7.5 million provision for credit losses which may signal emerging asset quality deterioration.
- Future performance remains tethered to the bank's ability to manage its 65.9% efficiency ratio while navigating a stagnant 1.0% net interest margin environment.
Verdict Logic
the recent spike in credit loss provisions to $7.5 million warrants caution regarding potential loan portfolio quality issues.
CCBG Growth Metrics
Capital City Bank Group, Inc. (CCBG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years7.64%
5 Years5.72%
3 Years11.67%
TTM-
Profit CAGR
10 Years21.05%
5 Years14.28%
3 Years22.59%
TTM5.77%
EPS CAGR
10 Years21.12%
5 Years13.88%
3 Years22.26%
TTM5.06%
Return on Capital
10 Years8.13%
5 Years8.74%
3 Years8.7%
Last Year3.38%
CCBG Recent Earnings
Capital City Bank Group, Inc. (CCBG) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (80%)●Beat Revenue 2/12 qtrs (20%)
Q2 2026Latest
Apr 20, 2026Metric
Actual
Est
EPS
$0.92+8.2%
$0.85
Rev
$85M+34.3%
$63M
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$0.80-10.1%
$0.89
Rev
$85M+31.1%
$65M
Q4 2025
Oct 21, 2025Metric
Actual
Est
EPS
$0.93+7.3%
$0.87
Rev
$63M-1.9%
$65M
Q3 2025
Jul 22, 2025Metric
Actual
Est
EPS
$0.88+11.8%
$0.79
Rev
$61M-5.6%
$64M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 20, 2026 | $0.92vs $0.85+8.2% | $85Mvs $63M+34.3% |
| Q1 2026 | Jan 27, 2026 | $0.80vs $0.89-10.1% | $85Mvs $65M+31.1% |
| Q4 2025 | Oct 21, 2025 | $0.93vs $0.87+7.3% | $63Mvs $65M-1.9% |
| Q3 2025 | Jul 22, 2025 | $0.88vs $0.79+11.8% | $61Mvs $64M-5.6% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Capital City Bank Group, Inc. (CCBG)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $49.52 | $846.86M | 13.76 | 6.52% | 22.04% | 11.75% | 2.01% | |
| $33.18 | $3.23B | 21.00 | 7.49% | 15.92% | 5.4% | — | |
| $50.16 | $2.61B | 15.06 | 10.36% | 19.66% | 9.83% | — | |
| $69.19 | $542.63M | 11.79 | 4.93% | 22.17% | 10.86% | — | |
| $87.80 | $4.8B | 17.35 | 4.13% | 29.04% | 16.31% | — | |
| $32.72 | $1.65B | 22.11 | 13.44% | 13.35% | 6.32% | — |
Compare CCBG vs Peers
Capital City Bank Group, Inc. (CCBG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CCBG SEC Filings & Documents
Capital City Bank Group, Inc. (CCBG) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CCBG Frequently Asked Questions
Capital City Bank Group, Inc. (CCBG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Capital City Bank Group, Inc. growing?
Capital City Bank Group, Inc. (CCBG) grew revenue by 6.5% over the past year. This is steady growth.
Is CCBG profitable?
Yes, Capital City Bank Group, Inc. (CCBG) is profitable, generating $60.5M in net income for fiscal year 2025 (22.0% net margin).
Dividend & Returns
Does CCBG pay dividends?
Yes, Capital City Bank Group, Inc. (CCBG) pays a dividend with a yield of 2.01%. This makes it attractive for income-focused investors.
What is CCBG's return on equity?
Capital City Bank Group, Inc. (CCBG) has a return on equity (ROE) of 11.7%. This is reasonable for most industries.
Industry Metrics
What is Capital City Bank Group, Inc.'s net interest margin?
Capital City Bank Group, Inc. (CCBG) has a net interest margin (NIM) of 3.9%. This indicates healthy earnings from lending activities.
What is Capital City Bank Group, Inc.'s efficiency ratio?
Capital City Bank Group, Inc. (CCBG) has an efficiency ratio of 57.1%. This is reasonable for a bank.