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Capital City Bank Group, Inc.

Capital City Bank Group, Inc.

NASDAQ•CCBG
CEO: Mr. William Godfrey Smith Jr.
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1994-06-06
Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of 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 well as business, estate, financial, insurance and business planning, tax planning, and asset protection advisory services. Capital City Bank Group, Inc. was founded in 1895 and is headquartered in Tallahassee, Florida.
Contact Information
217 North Monroe Street, Tallahassee, FL, 32301, United States
850-402-7821
www.ccbg.com
Market Cap
$742.84M
P/E (TTM)
12.2
15.1
Dividend Yield
2.3%
52W High
$45.63
52W Low
$32.38
52W Range
84%
Rank32Top 23.6%
4.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$71.29M+7.07%
4-Quarter Trend

EPS

$0.93+20.78%
4-Quarter Trend

FCF

$0.00+0.00%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Quarterly Net Income Growth Net income attributable to common shareowners reached $16.0M for Q3 2025, up 11.6% sequentially and 21.6% year-over-year, showing strong profitability.
Net Interest Margin Expansion Tax-equivalent NIM rose 22 basis points year-over-year to 4.34% for Q3 2025, driven by higher investment yields and lower overall deposit costs.
Tangible Capital Strength Increased TCE Ratio improved to 10.66% in Q3 2025, exceeding the 10.09% reported in Q2 2025, maintaining strong regulatory capital standing.
Noninterest Income Boosted by Sale Noninterest income grew 14.4% Y/Y to $22.3M, aided by a $0.7M gain from the sale of the insurance subsidiary in the third quarter.

Risk Factors

Nonperforming Assets Increased Nonperforming assets rose to $10.0M (0.23% of assets) in Q3 2025, up from $6.6M in Q2 2025, resulting in a higher provision expense recorded.
Vulnerability to Falling Rates Simulation analysis indicates that declining rate environments negatively impact NII, with policy limits breached in 200-400 bp rate drops over 12 months.
Held-for-Investment Loan Decline Average HFI loans decreased 2.7% from Q4 2024, driven by declines in construction, commercial real estate, and consumer loan segments.

Outlook

Monitoring Interest Rate Environment Management continues to balance asset mix and adjust rates to market conditions, expecting rising rates to positively impact NIM in the short term.
Planned Capital Expenditures Capital expenditures expected around $10.0M over the next 12 months, primarily for new office construction and technology purchases, funded by existing resources.
Maintaining Credit Underwriting Standards Company intends to maintain credit standards while closely monitoring markets and making minor adjustments as necessary to the loan portfolio mix.

Peer Comparison

Revenue (TTM)

Business First Bancshares, Inc.BFST
$509.73M
+18.0%
Hanmi Financial CorporationHAFC
$438.96M
+3.1%
CNB Financial CorporationCCNE
$395.00M
+11.3%

Gross Margin (Latest Quarter)

Horizon Bancorp, Inc.HBNC
115.2%
+0.0pp
Capital City Bank Group, Inc.CCBG
86.3%
+0.0pp
Great Southern Bancorp, Inc.GSBC
67.6%
+8.3pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
HBNC$872.23M-4.3-25.2%6.8%
HAFC$835.75M11.59.6%2.5%
TRST$803.73M14.28.3%2.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.5%
Moderate Growth
4Q Net Income CAGR
6.8%
Profitability Improving
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Next earnings:Jan 27, 2026
|
EPS:$0.89
|
Revenue:$64.65M
Reports
All Years
  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Oct 31, 2025|
    Revenue: $71.29M+7.1%
    |
    EPS: $0.93+20.8%
    Beat
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Jul 31, 2025|
    Revenue: $68.98M+3.8%
    |
    EPS: $0.88+4.8%
    Beat
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: Apr 30, 2025|
    Revenue: $67.22M+6.6%
    |
    EPS: $0.99+33.8%
    Beat
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 11, 2025|
    Revenue: $262.22M+6.7%
    |
    EPS: $3.12+1.3%
    Beat
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 4, 2024|
    Revenue: $66.58M+9.9%
    |
    EPS: $0.77+2.7%
    Meet
  • Form 10-K/A - FY 2023

    Period End: Dec 31, 2023|Filed: Oct 4, 2024|
    Revenue: $245.69M+22.5%
    |
    EPS: $3.08+56.3%
    Beat
  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 1, 2024|
    Revenue: $66.43M+5.0%
    |
    EPS: $0.84+1.2%
    Beat
  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: Jul 12, 2024|
    Revenue: $63.08M+5.2%
    |
    EPS: $0.74-8.6%
    Beat