Capital City Bank Group, Inc. logo

Capital City Bank Group, Inc.

CCBG

NASDAQFinancial ServicesBanks - Regional

Previous close

$51.33

−$0.01 · -0.02%

Aug 21, 4:00 PM ET

Pre-market

$51.034

−$0.296 · -0.58%

Aug 24, 7:37 AM ET

CCBG company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

62

Undervalued

Momentum

55

Neutral

Sentiment

47

Mixed

Risk resilience

79

Moderate Risk

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Company profile

Company website

Capital City Bank Group, Inc. functions as the financial holding company for Capital City Bank, delivering a comprehensive array of financial services to both individual consumers and businesses. Its commercial offerings encompass financing for business properties, equipment, inventories, and accounts receivable, in addition to commercial leasing, letters of credit, treasury management solutions, and merchant credit card transaction processing. The institution also offers commercial and residential real estate loans, including both fixed and adjustable-rate mortgages for homes, along with personal loans for vehicles, recreational vehicles, and home equity, as well as various credit card options. Furthermore, it delivers specialized institutional banking services to a diverse clientele, including state and local governments, public educational institutions, charities, membership organizations, and non-profit associations. These services feature tailored checking and savings accounts, sophisticated cash management systems, tax-exempt loans, lines of credit, and term financing. For its consumer base, the bank provides a full spectrum of services such as checking and savings accounts, access to interactive and automated teller machines (ATMs/ITMs), debit and credit cards, night deposit boxes, safe deposit facilities, and modern online and mobile banking capabilities. The company also offers individual asset management solutions, including agency accounts, personal trusts, IRAs, and personalized investment management. Its retail securities product offerings extend to U.S. government and tax-free municipal bonds, equities, mutual funds, unit investment trusts, annuities, life insurance, and long-term healthcare plans. As of December 31, 2021, its operational footprint included 57 banking branches and 86 ATM/ITM locations spanning Florida, Georgia, and Alabama. Established in 1895, Capital City Bank Group maintains its corporate headquarters in Tallahassee, Florida.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
William Godfrey Smith Jr.
Listed since
Jun 6, 1994
Employees
902

Market position

Day range

Current $51.33

52-week range

Current $51.33

Open
$51.84
Previous close
$51.34
Volume
81.3K
0.92× average
Average volume
88.15K
Average daily volume
Market cap
878.43M USD
Beta
0.34
Market reference 1
50-day average
$50.2664
+2.12% above average
200-day average
$45.3376
+13.22% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
757.83M USD
P/E (TTM)
14.26×
P/B (TTM)
1.54×
P/S (TTM)
3.16×
EV / EBITDA
8.48×
Earnings yield
8.47%
Free cash flow yield
11.01%
Dividend yield
2.07%

Profitability & efficiency

Gross margin
90.16%
Operating margin
30.04%
Net margin
22.19%
Return on equity
11.13%
Return on assets
1.40%
Return on invested capital
1.44%

Financial health

Debt / equity
0.14×
Current ratio
1.24×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends107%74%41%8%Gross margin, FY2021: 99.07%Gross margin, FY2022: 92.83%Gross margin, FY2023: 87.06%Gross margin, FY2024: 84.84%Gross margin, FY2025: 87.11%Operating margin, FY2021: 23.85%Operating margin, FY2022: 20.48%Operating margin, FY2023: 25.99%Operating margin, FY2024: 25.00%Operating margin, FY2025: 29.97%Net margin, FY2021: 16.11%Net margin, FY2022: 16.66%Net margin, FY2023: 21.27%Net margin, FY2024: 20.18%Net margin, FY2025: 22.04%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 99.07%. Gross margin FY2022 92.83%. Gross margin FY2023 87.06%. Gross margin FY2024 84.84%. Gross margin FY2025 87.11%. Operating margin FY2021 23.85%. Operating margin FY2022 20.48%. Operating margin FY2023 25.99%. Operating margin FY2024 25.00%. Operating margin FY2025 29.97%. Net margin FY2021 16.11%. Net margin FY2022 16.66%. Net margin FY2023 21.27%. Net margin FY2024 20.18%. Net margin FY2025 22.04%.

Income trends

Revenue

279.31M USD+6.52%

Operating income

83.71M USD+27.67%

Net income

61.56M USD+16.33%
Income trends across reported periods303.9M USD205.53M USD107.17M USD8.8M USDRevenue, FY2021: 207.33M USDRevenue, FY2022: 200.56M USDRevenue, FY2023: 245.69M USDRevenue, FY2024: 262.22M USDRevenue, FY2025: 279.31M USDOperating income, FY2021: 49.45M USDOperating income, FY2022: 41.08M USDOperating income, FY2023: 63.86M USDOperating income, FY2024: 65.57M USDOperating income, FY2025: 83.71M USDNet income, FY2021: 33.4M USDNet income, FY2022: 33.41M USDNet income, FY2023: 52.26M USDNet income, FY2024: 52.92M USDNet income, FY2025: 61.56M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 207.33M USD. Revenue FY2022 200.56M USD. Revenue FY2023 245.69M USD. Revenue FY2024 262.22M USD. Revenue FY2025 279.31M USD. Operating income FY2021 49.45M USD. Operating income FY2022 41.08M USD. Operating income FY2023 63.86M USD. Operating income FY2024 65.57M USD. Operating income FY2025 83.71M USD. Net income FY2021 33.4M USD. Net income FY2022 33.41M USD. Net income FY2023 52.26M USD. Net income FY2024 52.92M USD. Net income FY2025 61.56M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue279.31M USD262.22M USD245.69M USD200.56M USD207.33M USD
Cost of goods sold36.01M USD39.75M USD31.79M USD14.38M USD1.94M USD
Gross profit243.3M USD222.47M USD213.9M USD186.18M USD205.39M USD
Selling, general, and administrative116.34M USD105.29M USD100.04M USD96.41M USD111.23M USD
Operating expenses159.59M USD156.9M USD150.04M USD145.1M USD155.94M USD
Interest income204.39M USD194.66M USD181.07M USD131.35M USD106.35M USD
Interest expense32.74M USD35.72M USD22.08M USD6.89M USD3.49M USD
Depreciation and amortization5.66M USD7.83M USD8.08M USD7.76M USD7.71M USD
Operating income83.71M USD65.57M USD63.86M USD41.08M USD49.45M USD
Net income61.56M USD52.92M USD52.26M USD33.41M USD33.4M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
90%
9 beats, 1 miss, 0 met estimates
Average EPS surprise
+8.24%
10 comparable reports
Latest EPS result
0.95
Estimate 0.9 · Beat by 5.20%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.030.920.80.69Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 0.77, estimate 0.73, surprise +5.48%, Beat. Q2 2025, reported Apr 21, 2025: actual 0.99, estimate 0.74, surprise +33.78%, Beat. Q3 2025, reported Jul 22, 2025: actual 0.88, estimate 0.787, surprise +11.82%, Beat. Q4 2025, reported Oct 21, 2025: actual 0.93, estimate 0.867, surprise +7.27%, Beat. Q1 2026, reported Jan 27, 2026: actual 0.8, estimate 0.89, surprise -10.11%, Miss. Q2 2026, reported Apr 20, 2026: actual 0.92, estimate 0.85, surprise +8.24%, Beat. Q3 2026, reported Jul 21, 2026: actual 0.95, estimate 0.903, surprise +5.20%, Beat. Q4 2026, reported Oct 20, 2026: actual —, estimate 0.95, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates88.32M77.41M66.5M55.59MQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 59.86M USD, estimate 59.3M USD, surprise +0.95%, Beat. Q2 2025, reported Apr 21, 2025: actual 58.99M USD, estimate 61.35M USD, surprise -3.85%, Miss. Q3 2025, reported Jul 22, 2025: actual 60.71M USD, estimate 64.3M USD, surprise -5.59%, Miss. Q4 2025, reported Oct 21, 2025: actual 63.41M USD, estimate 64.65M USD, surprise -1.91%, Miss. Q1 2026, reported Jan 27, 2026: actual 84.73M USD, estimate 64.65M USD, surprise +31.05%, Beat. Q2 2026, reported Apr 20, 2026: actual 84.92M USD, estimate 63.25M USD, surprise +34.26%, Beat. Q3 2026, reported Jul 21, 2026: actual 63.88M USD, estimate 64.25M USD, surprise -0.58%, Miss. Q4 2026, reported Oct 20, 2026: actual —, estimate 65.5M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

7 ratings
Strong buy00%
Buy114%
Hold686%
Sell00%
Strong sell00%

CCBG news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.00

2025 complete year+61.3% since 2021

2026 partial: $0.54

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jun 1, 2026

$0.27

Quarterly

Record Jun 1, 2026 · Payment Jun 15, 2026

Dividend

Ex-dividend Mar 9, 2026

$0.27

Quarterly

Record Mar 9, 2026 · Payment Mar 23, 2026

Dividend

Ex-dividend Dec 1, 2025

$0.26

Quarterly

Record Dec 1, 2025 · Payment Dec 15, 2025

Dividend

Ex-dividend Sep 8, 2025

$0.26

Quarterly

Record Sep 8, 2025 · Payment Sep 22, 2025

Dividend

Ex-dividend Jun 9, 2025

$0.24

Quarterly

Record Jun 9, 2025 · Payment Jun 23, 2025

Dividend

Ex-dividend Mar 10, 2025

$0.24

Quarterly

Record Mar 10, 2025 · Payment Mar 24, 2025

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