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
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
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)
$509.73M
HAFC$438.96M
$395.00M
Gross Margin (Latest Quarter)
115.2%
86.3%
67.6%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| HBNC | $872.23M | -4.3 | -25.2% | 6.8% |
| HAFC | $835.75M | 11.5 | 9.6% | 2.5% |
| TRST | $803.73M | 14.2 | 8.3% | 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%BeatForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Jul 31, 2025|Revenue: $68.98M+3.8%|EPS: $0.88+4.8%BeatForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: Apr 30, 2025|Revenue: $67.22M+6.6%|EPS: $0.99+33.8%BeatForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Mar 11, 2025|Revenue: $262.22M+6.7%|EPS: $3.12+1.3%BeatForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 4, 2024|Revenue: $66.58M+9.9%|EPS: $0.77+2.7%MeetForm 10-K/A - FY 2023
Period End: Dec 31, 2023|Filed: Oct 4, 2024|Revenue: $245.69M+22.5%|EPS: $3.08+56.3%BeatForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 1, 2024|Revenue: $66.43M+5.0%|EPS: $0.84+1.2%BeatForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: Jul 12, 2024|Revenue: $63.08M+5.2%|EPS: $0.74-8.6%Beat