NASDAQ : CCBG
Capital City Bank Group, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 50.86 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 870.38M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 154.68M | 161.19M | 164.93M | 152.25M | 106.44M | 96.56M |
| Interest Income on Investments | 52.38M | 43.19M | 29.72M | 28.82M | 25.47M | 9.79M |
| Total Interest Income | 207.06M | 204.39M | 194.66M | 181.07M | 131.91M | 106.35M |
| Interest Paid on Deposits | 28.65M | 29.60M | 32.16M | 17.58M | 3.44M | 839.00K |
| Interest Paid on Borrowings | 3.02M | 3.14M | 3.56M | 4.50M | 3.44M | 2.65M |
| Total Interest Expense | 31.67M | 32.74M | 35.72M | 22.08M | 6.89M | 3.49M |
| Net Interest Income | 175.38M | 171.65M | 158.94M | 158.99M | 125.02M | 102.86M |
| Trust Income | 17.40M | 20.67M | 19.11M | 16.34M | 18.06M | 13.69M |
| Mortgage Banking Activities | 16.74M | 16.96M | 14.34M | 10.40M | 11.91M | 52.42M |
| Gain (Loss) on Sale of Assets | 1.40M | |||||
| Other Non-Interest Income | 23.64M | 22.66M | 21.17M | 22.15M | 23.09M | 22.55M |
| Total Non-Interest Income | 80.02M | 82.36M | 75.98M | 71.61M | 75.18M | 107.55M |
| Revenues Before Loan Losses | 255.40M | 254.00M | 234.91M | 230.60M | 200.20M | 210.41M |
| Provision for Loan Losses | 3.55M | 5.26M | 4.03M | 9.71M | 7.49M | -1.55M |
| Revenue | 251.86M | 248.74M | 230.88M | 220.88M | 192.71M | 211.96M |
| Salaries and Employee Benefits | 102.34M | 103.98M | 97.92M | 91.59M | 89.22M | 99.87M |
| Occupancy Expenses | 16.05M | 15.26M | 15.39M | 14.63M | 13.39M | 13.05M |
| Selling, General & Administrative | 19.08M | 19.08M | 18.50M | 18.58M | 16.69M | 15.16M |
| Other Non-Interest Expense | 31.69M | 28.70M | 33.50M | 32.23M | 32.33M | 34.42M |
| Total Non-Interest Expense | 169.18M | 167.02M | 165.31M | 157.02M | 151.63M | 162.51M |
| EBT Excluding Unusual Items | 82.68M | 81.72M | 65.57M | 63.86M | 41.08M | 49.45M |
| Pretax Income | 82.68M | 81.72M | 65.57M | 63.86M | 41.08M | 49.45M |
| Income Tax Expense | 19.94M | 20.16M | 13.92M | 13.04M | 7.80M | 9.84M |
| Earnings From Continuing Operations | 62.74M | 61.56M | 51.64M | 50.82M | 33.28M | 39.62M |
| Minority Interest in Earnings | 1.27M | 1.44M | 135.00K | -6.22M | ||
| Net Income | 62.74M | 61.56M | 52.91M | 52.26M | 33.41M | 33.40M |
| Net Income to Common | 62.74M | 61.56M | 52.91M | 52.26M | 33.41M | 33.40M |
| Basic Shares Outstanding | 17.10M | 17.06M | 16.94M | 16.99M | 16.95M | 16.86M |
| Diluted Shares Outstanding | 17.15M | 17.10M | 16.97M | 17.02M | 16.98M | 16.89M |
| EPS (Basic) | 3.67 | 3.61 | 3.12 | 3.08 | 1.97 | 1.98 |
| EPS (Diluted) | 3.66 | 3.60 | 3.12 | 3.07 | 1.97 | 1.98 |
| Dividend Per Share | 1.07 | 1.00 | 0.88 | 0.76 | 0.66 | 0.62 |
| Effective Tax Rate | 24.12% | 24.67% | 21.24% | 20.42% | 18.98% | 19.89% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 411.63M | 529.87M | 391.75M | 311.97M | 600.65M | 1.04B |
| Investment Securities | 865.30M | 718.52M | 713.02M | 730.33M | 796.90M | 677.86M |
| Trading Asset Securities | 5.42M | 5.32M | 6.38M | 2.05M | ||
| Mortgage-Backed Securities | 315.14M | 299.67M | 254.63M | 230.64M | 272.77M | 312.97M |
| Total Investments | 1.18B | 1.02B | 973.07M | 966.29M | 1.08B | 992.88M |
| Gross Loans | 2.49B | 2.55B | 2.65B | 2.73B | 2.55B | 1.93B |
| Allowance for Loan Losses | -30.37M | -31.00M | -29.25M | -29.94M | -25.07M | -21.61M |
| Net Loans | 2.46B | 2.52B | 2.62B | 2.70B | 2.52B | 1.91B |
| Property, Plant & Equipment | 83.26M | 105.76M | 106.85M | 108.27M | 104.44M | 94.91M |
| Goodwill | 89.09M | 89.09M | 91.80M | 91.80M | 91.80M | 91.80M |
| Other Intangible Assets | 973.00K | 1.13M | 1.29M | 1.45M | ||
| Loans Held for Sale | 23.45M | 21.70M | 28.67M | 28.21M | 26.91M | 52.53M |
| Accrued Interest Receivable | 9.80M | 10.30M | 10.10M | 8.00M | 5.30M | |
| Restricted Cash | 100.00K | 100.00K | 100.00K | |||
| Other Real Estate Owned & Foreclosed | 2.35M | 1.94M | 367.00K | 1.00K | 431.00K | 17.00K |
| Other Long-Term Assets | 147.16M | 90.74M | 95.50M | 78.91M | 84.11M | 76.49M |
| Total Assets | 4.40B | 4.39B | 4.32B | 4.30B | 4.52B | 4.26B |
| Interest Bearing Deposits | 2.33B | 2.33B | 2.31B | 2.31B | 2.27B | 2.03B |
| Institutional Deposits | 76.00M | 56.80M | 14.70M | 11.10M | 10.00M | |
| Non-Interest Bearing Deposits | 1.33B | 1.25B | 1.31B | 1.38B | 1.65B | 1.67B |
| Total Deposits | 3.67B | 3.66B | 3.67B | 3.70B | 3.94B | 3.71B |
| Short-Term Borrowings | 38.88M | 50.18M | 28.20M | 35.55M | 56.79M | 34.56M |
| Current Portion of Long-Term Debt | 100.00K | |||||
| Current Portion of Leases | 3.60M | |||||
| Long-Term Debt | 567.00K | 680.00K | 794.00K | |||
| Federal Home Loan Bank Debt, Long-Term | 315.00K | 513.00K | 884.00K | |||
| Long-Term Leases | 23.33M | 25.50M | 27.40M | 22.70M | 12.20M | |
| Trust Preferred Securities | 33.30M | 42.58M | 52.89M | 52.89M | 52.89M | 52.89M |
| Pension & Post-Retirement Benefits | 12.94M | 10.13M | 9.20M | 14.82M | 20.77M | |
| Other Long-Term Liabilities | 83.57M | 37.29M | 40.02M | 36.67M | 44.91M | 46.52M |
| Total Liabilities | 3.82B | 3.83B | 3.83B | 3.86B | 4.13B | 3.88B |
| Common Stock | 171.00K | 171.00K | 170.00K | 170.00K | 170.00K | 169.00K |
| Additional Paid-In Capital | 41.52M | 41.65M | 37.68M | 36.33M | 37.33M | 34.42M |
| Retained Earnings | 543.61M | 508.44M | 463.95M | 426.27M | 387.01M | 364.79M |
| Comprehensive Income & Other | -11.44M | 2.59M | -6.49M | -22.15M | -37.23M | -16.21M |
| Shareholders' Equity | 573.86M | 552.85M | 495.32M | 440.62M | 387.28M | 383.17M |
| Total Liabilities & Equity | 4.40B | 4.39B | 4.32B | 4.30B | 4.52B | 4.26B |
| Total Debt | 72.75M | 120.37M | 107.48M | 116.15M | 132.89M | 100.53M |
| Net Cash (Debt) | 338.88M | 409.50M | 289.68M | 201.13M | 474.14M | 936.87M |
| Net Cash Per Share | 19.76 | 23.94 | 17.07 | 11.82 | 27.92 | 55.46 |
| Filing Date Shares Outstanding | 17.11M | 17.15M | 17.05M | 16.94M | 17.02M | 16.94M |
| Total Common Shares Outstanding | 17.11M | 17.08M | 16.97M | 16.95M | 16.99M | 16.89M |
| Book Value Per Share | 33.53 | 32.36 | 29.18 | 26.00 | 22.80 | 22.68 |
| Tangible Book Value | 484.77M | 463.76M | 402.54M | 347.69M | 294.19M | 289.91M |
| Tangible Book Value Per Share | 28.33 | 27.15 | 23.71 | 20.51 | 17.32 | 17.16 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 61.56M | 52.91M | 52.26M | 33.41M | 33.40M | |
| Depreciation & Amortization | 7.52M | 7.83M | 8.08M | 7.76M | 7.71M | |
| Gain (Loss) on Sale of Assets | -5.26M | -979.00K | -2.05M | -422.00K | -1.66M | |
| Gain (Loss) on Sale of Investments | 4.30M | 4.19M | 4.22M | 7.77M | 14.07M | |
| Provision for Credit Losses | 5.26M | 4.03M | 9.71M | 7.49M | -1.55M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 20.87M | 8.92M | -2.47M | 47.72M | 120.18M | |
| Change in Other Net Operating Assets | 8.11M | 339.00K | -5.40M | 93.00K | 2.87M | |
| Other Operating Activities | -16.91M | -15.48M | -10.76M | -12.73M | -53.69M | |
| Operating Cash Flow | 87.61M | 63.57M | 54.78M | 92.69M | 122.17M | |
| Capital Expenditures | -7.59M | -8.69M | -7.05M | -6.32M | -5.19M | |
| Cash Acquisitions | -4.48M | |||||
| Investment in Securities | -38.07M | -4.28M | 116.58M | -131.83M | -518.02M | |
| Divestitures | 2.38M | 2.87M | 7.14M | |||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 100.35M | 79.73M | -182.07M | -632.95M | 62.09M | |
| Other Investing Activities | 7.34M | 1.59M | 4.00M | 2.41M | ||
| Investing Cash Flow | 64.41M | 68.35M | -68.54M | -765.83M | -453.97M | |
| Short-Term Debt Issued | 21.79M | 22.11M | ||||
| Long-Term Debt Issued | 794.00K | |||||
| Total Debt Issued | 21.79M | 794.00K | 22.11M | |||
| Short-Term Debt Repaid | -7.24M | -21.45M | -45.94M | |||
| Long-Term Debt Repaid | -10.30M | -116.00K | -199.00K | -249.00K | -1.33M | |
| Total Debt Repaid | -10.30M | -7.35M | -21.65M | -249.00K | -47.27M | |
| Net Debt Issued (Repaid) | 11.48M | -6.56M | -21.65M | 21.86M | -47.27M | |
| Issuance of Common Stock | 1.34M | 1.50M | 937.00K | 1.30M | 1.03M | |
| Repurchase of Common Stock | -2.33M | -3.71M | ||||
| Common Dividends Paid | -17.06M | -14.91M | -12.90M | -11.19M | -10.46M | |
| Net Increase (Decrease) in Deposit Accounts | -9.66M | -29.84M | -237.50M | 226.46M | 495.30M | |
| Financing Cash Flow | -13.90M | -52.14M | -274.82M | 238.43M | 438.60M | |
| Net Cash Flow | 138.12M | 79.79M | -288.58M | -434.70M | 106.81M | |
| Free Cash Flow | 80.03M | 54.88M | 47.74M | 86.37M | 116.98M | |
| Free Cash Flow Margin | 32.17% | 23.77% | 21.61% | 44.82% | 55.19% | |
| Free Cash Flow Per Share | 4.68 | 3.23 | 2.80 | 5.08 | 6.92 | |
| Cash Interest Paid | 32.28M | 35.02M | 21.77M | 6.59M | 3.55M | |
| Cash Income Tax Paid | 13.93M | 6.14M | 9.12M | 7.47M | 16.34M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 888.82M | 726.62M | 621.01M | 499.08M | 551.26M | 445.59M |
| Last Close Price | 50.86 | 41.83 | 35.12 | 27.42 | 29.53 | 23.47 |
| PE Ratio | 14.19 | 11.80 | 11.74 | 9.55 | 16.50 | 13.34 |
| PS Ratio | 3.47 | 2.92 | 2.69 | 2.26 | 2.86 | 2.10 |
| PB Ratio | 1.52 | 1.31 | 1.25 | 1.13 | 1.42 | 1.16 |
| P/FCF Ratio | 16.84 | 9.08 | 11.31 | 10.46 | 6.38 | 3.81 |
| P/OCF Ratio | 14.13 | 8.29 | 9.77 | 9.11 | 5.95 | 3.65 |
| Debt / Equity Ratio | 0.13 | 0.22 | 0.22 | 0.26 | 0.34 | 0.26 |
| Debt / FCF Ratio | 1.50 | 1.96 | 2.43 | 1.54 | 0.86 | |
| Net Debt / Equity Ratio | -0.59 | -0.74 | -0.58 | -0.46 | -1.22 | -2.44 |
| Net Debt / FCF Ratio | -5.12 | -5.28 | -4.21 | -5.49 | -8.01 | |
| Return on Equity (ROE) | 11.26% | 11.75% | 11.04% | 12.28% | 8.64% | 11.25% |
| Return on Assets (ROA) | 1.44% | 1.41% | 1.20% | 1.15% | 0.76% | 0.98% |
| Earnings Yield | 7.05% | 8.47% | 8.52% | 10.47% | 6.06% | 7.50% |
| FCF Yield | 5.94% | 11.01% | 8.84% | 9.56% | 15.67% | 26.25% |
| Dividend Yield | 2.08% | 2.35% | 2.40% | 2.58% | 2.03% | 2.35% |
| Payout Ratio | 29.23% | 27.72% | 28.17% | 24.70% | 33.49% | 31.32% |
| Buyback Yield / Dilution | -0.52% | -0.79% | 0.32% | -0.22% | -0.54% | -0.42% |
| Total Shareholder Return | 1.58% | 1.56% | 2.72% | 2.36% | 1.49% | 1.93% |