Pricing Log in Create free account
Friday 6 November 2026 Export CCBG’s income statement to Excel — free account

Capital City Bank Group

CCBG Financial Banks Regional

Capital City Bank Group’s revenue for fiscal 2025 (year ended December 2025) was $286.7 million, up 5.95% from fiscal 2024.

Revenue
−2.57%
EPS
+6.45%
Free cash flow
+47.1%
Total debt
−21.7%

Quarter to September 2026, against a year earlier

50.51 1.29 −2.49%
Market cap
$861.6M
P/E
13.8×
Fwd P/E
13.4×
Dividend yield
2.12%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.02
Sold, $m 0.28
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — 1 —
Sell — — — — — 1 — — — — — —
Insider Ownership 20.00%

Capital & Financial Ratios $m

Size
Market Cap 861.60
Revenue ttm 287.08
Net income ttm 62.74
Free cash flow ttm 61.20
Net debt Q (377.76)
Valuation
P/E 13.80
Forward P/E 13.40
Price / sales 3.01
Forward P/S Powerpack
Price / FCF 14.12
Price / book 1.51
Financial health
Current ratio Q 0.78
Debt / equity Q 0.06
Interest coverage Q —
Growth
Revenue growth Q −2.57% (below 0%: shrinking)
Operating income growth Q +5.16% (above 0%: growing)
EPS, this year +5.42%
EPS, next year A +0.13%
Revenue, next year A −10.37% (below 0%: weak)
EPS, past 5 yrs +13.88%
EPS, next 5 yrs A +2.00%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 50.17%
10-year low 10-year high
P/S against its own 10 years 94.57%
10-year low 10-year high
P/B against its own 10 years 93.18%
10-year low 10-year high

Dividends raised every year since 2017

Yield
2.12%
Annual rate
1.07
Payout ratio
29.2%
Growth, 2017–25
+19.5%/yr
  1. 0.24 ’17
  2. 0.32 ’18 +33
  3. 0.48 ’19 +50
  4. 0.57 ’20 +19
  5. 0.62 ’21 +9
  6. 0.66 ’22 +6
  7. 0.76 ’23 +15
  8. 0.88 ’24 +16
  9. 1.00 ’25 +14
  10. 1.08 ’26e +8
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 312 392 530 412
Receivables — — — —
Inventory — — — —
Other — — — —
3,044 3,043 3,067 2,894
2023 2024 2025 Q'26
Payables 3,702 3,672 3,662 3,667
ST’ Debt — — — —
Other — — — —
3,737 3,700 3,712 3,705

Compound Annual Growth %

10y 5y 3y
Sales 7.92% 5.70% 11.46%
Cash Flow 10.01% 0.00% (1.86%)
Earnings 21.05% 14.28% 22.59%
Book Value 7.26% 11.50% 12.60%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.95 Actual 0.99

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.89 0.80 Miss by 0.09
Q1 FY26 0.85 0.92 Beat by 0.07
Q2 FY26 0.91 0.95 Beat by 0.04
Q3 FY26 0.95 0.99 Beat by 0.04
Q4 FY26 0.91 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.92 0.95 0.99 — —
’25 0.99 0.88 0.93 0.80 3.60
’24 0.74 0.83 0.78 0.77 3.12
’23 0.88 0.85 0.78 0.70 3.07
’22 0.50 0.51 0.67 0.68 1.97
’21 0.56 0.44 0.60 0.38 1.98
’20 0.25 0.55 0.62 0.46 1.88
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 71 72 72 — —
’25 70 71 74 72 287
’24 65 68 69 69 271
’23 62 65 62 63 253
’22 47 50 54 57 207
’21 55 53 55 50 214
’20 43 57 61 57 217
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 16 13 33 — —
’25 22 33 22 12 88
’24 15 25 13 11 64
’23 21 4 25 5 55
’22 21 48 6 18 93
’21 51 1 34 36 122
’20 (55) 28 (28) 7 (49)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 15 7 29 — —
’25 19 31 20 10 80
’24 12 23 11 9 55
’23 19 2 24 3 48
’22 20 46 5 16 86
’21 49 0 33 35 117
’20 (60) 26 (29) 5 (58)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 135 139 151 166 217 214 207 253 271 287 287 +8.7% 257 265 273 (1.6%)
Gross margin, % 97.63 97.15 95.44 94.28 97.76 98.37 96.67 91.26 86.80 88.58 88.97 (9.0) pt
EBT 18 23 30 41 53 49 41 64 66 82 83 +18.6%
EBT margin, % 13.06 16.63 19.64 24.57 24.33 23.12 19.83 25.27 24.23 28.50 28.80 +15.4 pt
Net income 12 11 26 31 32 33 33 52 53 62 63 +20.2%
Per share, $
Per share, $ Revenue 7.94 8.18 8.86 9.89 12.95 12.68 12.22 14.87 15.97 16.81 16.78 +8.7%
Earnings 0.69 0.64 1.54 1.84 1.88 1.98 1.97 3.08 3.12 3.61 3.66 +20.2%
Cash flow 1.33 2.29 2.03 3.20 (2.90) 7.24 5.47 3.22 3.75 5.14 4.29 +16.2%
Capex (0.26) (0.24) (0.09) (0.22) (0.58) (0.31) (0.37) (0.41) (0.51) (0.44) (0.71) +6.1%
Free cash flow 1.07 2.05 1.95 2.98 (3.48) 6.94 5.10 2.81 3.24 4.69 3.58 +17.9%
Book value 16.20 16.77 17.77 19.50 19.11 22.72 22.85 25.94 29.23 32.42 33.53 +8.0%
Shares, m 17 17 17 17 17 17 17 17 17 17 17 0.0%
Valuation, ×
Valuation, × P/E 29.79 35.91 15.07 16.58 13.07 13.33 13.68 9.18 11.75 11.83 13.80 17.0
P/S 2.63 2.81 2.62 3.08 1.90 2.08 2.65 1.98 2.29 2.53 3.01 2.5
P/B 1.29 1.37 1.31 1.56 1.29 1.16 1.42 1.14 1.25 1.31 1.51 1.3
EV/Sales 0.93 1.23 1.20 1.16 (2.12) (2.51) 0.01 0.96 1.04 0.83 — 0.3
EV/FCF 6.93 4.92 5.45 3.85 7.88 (4.59) 0.02 5.06 5.15 2.99 — 3.8
Cash, $m
Cash, $m Operating cash flow 23 39 35 54 (49) 122 93 55 64 88 73 +16.2%
Capex (4) (4) (1) (4) (10) (5) (6) (7) (9) (8) (12) +6.1%
Free cash flow 18 35 33 50 (58) 117 86 48 55 80 61 +17.9%
Balance, $m
Balance, $m Working capital (570) (547) (503) (442) (272) (750) (846) (693) (657) (646) (811) +1.4%
Net debt (228) (219) (215) (319) (873) (982) (547) (259) (338) (487) (378) +8.8%
Shareholders’ equity 275 284 303 327 321 383 387 441 495 553 574 +8.1%
Returns, %
Returns, % ROA 0.42 0.38 0.90 1.02 0.92 0.83 0.76 1.18 1.23 1.41 1.44 +1.0 pt
ROIC 23.48 21.97 21.04 318.68 0.00 0.00 0.00 21.96 26.08 77.22 26.35 +53.7 pt
ROE 4.28 3.88 8.94 9.79 9.75 9.49 8.67 12.62 11.31 11.75 11.26 +7.5 pt
People
People Employees 853 825 819 815 773 751 796 811 969 927 — +0.9%
Revenue/emp, $m 0.16 0.17 0.18 0.20 0.28 0.28 0.26 0.31 0.28 0.31 — +7.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Capital City Bank Group vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FMNB Farmers National Banc Corp. $919.5M 10.6× 10.9× +43.94% (above 0%: growing) +5.41% (above 0%: growing) +114.21% (above 0%: growing) 70.09% 0.00% Compare
NBBK NB Bancorp, Inc. $899.0M 13.2× 11.0× +39.49% (above 0%: growing) +37.21% (above 0%: growing) −112.43% (below 0%: shrinking) 63.66% 0.00% Compare
MPB Mid Penn Bancorp $869.3M 11.8× 11.2× +13.23% (above 0%: growing) +6.25% (above 0%: growing) −3.90% (below 0%: shrinking) 69.39% 0.00% Compare
GSBC Great Southern Bancorp, Inc. $868.0M 13.3× 13.9× −10.48% (below 0%: shrinking) −16.18% (below 0%: shrinking) −93.70% (below 0%: shrinking) 71.23% 0.00% Compare
ORRF Orrstown Financial Services Inc $864.7M 9.8× 9.8× +0.90% (above 0%: growing) +8.91% (above 0%: growing) −5.50% (below 0%: shrinking) 70.78% 0.00% Compare
CCBG Capital City Bank Group $861.6M 13.8× 13.4× −2.57% (below 0%: shrinking) +6.45% (above 0%: growing) +47.12% (above 0%: growing) 89.60% 0.00%
FCBC First Community Bancshares, Inc. $858.8M 14.3× 14.0× +35.47% (above 0%: growing) +77.61% (above 0%: growing) +82.80% (above 0%: growing) 92.36% 0.00% Compare
ALRS Alerus Financial $837.6M 28.4× 10.5× +4.46% (above 0%: growing) +16.67% (above 0%: growing) +136.92% (above 0%: growing) 77.55% 0.00% Compare
RCBC River City Bank $828.4M — — — — — 51.62% 0.00% Compare
Median of peers $866.4M 13.2× 11.0× +13.23% +8.91% −3.90% 70.44% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 10 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 3.14m 2.53m 196.09
2024 1.81m 1.99m 136.06
2023 1.88m 1.55m 106.25
2022 (774.96k) 1.21m 114.42
2021 1.23m 992.66k 90.94

Ownership

Directors and executive officers, together 19.80% of the votes
William G. Smith, Jr. 17.30% of the votes
BlackRock, Inc. 9.96% of the votes
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Capital City Bank Group (CCBG) Latest News

20 Oct

Impact 3 · · Simply Wall St.

16 Oct

Impact 3 · · Zacks

30 Sep

Impact 3 · · Zacks

21 Jul

Impact 3 ·

23 Apr

Impact 3 ·

20 Apr

Impact 4 ·
Impact 4 ·

26 Feb

Impact 3 · · GlobeNewswire

5 Feb

Impact 4 · · Simply Wall St.

27 Jan

Impact 4 · · Associated Press FinanceAssociated Press FinanceAssociated Press FinanceAssociated Press FinanceMT NewswiresAssociated Press FinanceAssociated Press FinanceAssociated Press Finance
Impact 4 · · GlobeNewswire
Impact 3 · · ZacksAssociated Press FinanceZacks

9 Jan

Impact 3 · · GlobeNewswire

5 Jan

Impact 4 · · Zacks

2 Jan

Impact 4 · · Simply Wall St.

29 Dec

Impact 3 · · Simply Wall St.Simply Wall St.Simply Wall St.

24 Nov

Impact 4 · · Simply Wall St.

20 Nov

Impact 3 · · GlobeNewswire

18 Nov

Impact 4 · · Simply Wall St.
Impact 3 · · GlobeNewswire

4 Nov

Impact 3 · · GlobeNewswire

21 Oct

Impact 4 · · Associated Press Finance
Impact 4 · · GlobeNewswireGuruFocus.comAssociated Press FinanceZacksZacksZacksZacksZacks
Impact 3 · · Simply Wall St.GuruFocus.com

14 Oct

Impact 3 · · GlobeNewswire

13 Oct

Impact 4 · · Zacks

3 Oct

Impact 4 · · Simply Wall St.

26 Sep

Impact 4 · · ZacksSimply Wall St.ZacksZacksZacksZacksZacksZacks

11 Sep

Impact 4 · · Simply Wall St.

10 Sep

Impact 4 ·
stockrow.com/CCBG · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com