Capital City Bank Group, Inc.
NASDAQ•CCBG
CEO: Mr. William Godfrey Smith Jr.
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
時価総額
$713.02M
PER (TTM)
11.7
14.2
配当利回り
2.4%
52週高値
$46.83
52週安値
$32.38
52週レンジ
順位32Top 23.6%
4.9
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.9 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$71.82M+8.61%
直近4四半期の推移
EPS
$0.80+3.90%
直近4四半期の推移
フリーCF
$28.06M+0.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
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.
リスク要因
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.
見通し
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.
同業比較
売上高 (TTM)
$655.25M
$527.15M
$511.93M
粗利益率 (最新四半期)
88.4%
77.1%
76.3%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| MBWM | $857.60M | 9.1 | 13.5% | 12.1% |
| AMTB | $852.48M | 16.3 | 5.6% | 9.4% |
| BFST | $847.53M | 8.8 | 10.2% | 6.7% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.2%
緩やかな成長
4四半期純利益CAGR
-6.7%
収益性の低下
キャッシュフロー安定性
100%
優れたキャッシュフローの実績
深度リサーチ
次回決算:2026年4月20日
EPS:$0.85
|売上高:$63.25M
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし