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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
$734.98M
P/E (TTM)
11.9
14.1
Dividend Yield
2.3%
52W High
$46.83
52W Low
$32.38
52W Range
74%
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

Q4 2025 Data

Revenue

$71.82M+8.61%
4-Quarter Trend

EPS

$0.80+3.90%
4-Quarter Trend

FCF

$28.06M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong Net Income Growth Net income attributable to common shareholders reached $61.6M, up from $52.9M in 2024, supported by higher net interest income and noninterest income.
NIM Expansion Noted Tax-equivalent NIM increased 20 basis points to 4.28% in 2025, reflecting higher earning asset yields and a decrease in the cost of funds.
Credit Quality Remains Strong Allowance coverage ratio improved to 1.22% of loans held for investment (HFI) from 1.10% last year; net loan charge-offs decreased to 14 basis points.
Capital Ratios Strengthened Tangible common equity ratio improved substantially to 10.79% (non-GAAP) from 9.51% in 2024, showing robust capital strength.

Risk Factors

Interest Rate Risk Exposure Profitability heavily relies on managing net interest income sensitivity; rapid rate changes could compress the net interest margin spread, impacting earnings.
Geographic Loan Concentration High concentration in Florida and Georgia real estate loans (85.7% of portfolio) subjects earnings to regional economic downturns and weather events.
Deposit Funding Volatility Liquidity management is essential; reliance on deposits, which are sensitive to higher interest rates and competition, poses ongoing funding risk.
Cybersecurity and Compliance Risks Significant reliance on technology systems exposes the bank to material cybersecurity incidents and increasing compliance costs from evolving regulations.

Outlook

Managing Future NIM Expect continued active management of balance sheet mix to mitigate interest rate risk, despite the Federal Funds Rate being lowered in 2025.
Credit Outlook Stable Expect credit quality metrics to remain strong; management will continue rigorous monitoring of loan portfolio quality and loss estimates.
Compete Effectively Strategy Future success depends on adapting business strategies and investing in technology to compete against larger, technologically advanced financial service providers.

Peer Comparison

Revenue (TTM)

AMTB stock ticker logoAMTB
$655.25M
+14.0%
MCB stock ticker logoMCB
$527.15M
+7.1%
BFST stock ticker logoBFST
$511.93M
+11.8%

Gross Margin (Latest Quarter)

CCBG stock ticker logoCCBG
88.4%
+2.5pp
CCNE stock ticker logoCCNE
77.1%
+17.6pp
HTBK stock ticker logoHTBK
76.3%
+7.8pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
AMTB$905.34M16.85.6%10.6%
MBWM$902.01M9.613.5%12.1%
HBNC$867.11M-5.7-20.6%6.3%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.2%
Moderate Growth
4Q Net Income CAGR
-6.7%
Declining Profitability
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Apr 20, 2026
|
EPS:$0.85
|
Revenue:$63.25M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement
LTM
No Data