Saturday 17 October 2026 Export CCBG’s income statement to Excel — free account

Capital City Bank Group

Capital City Bank Group’s revenue for fiscal 2025 (year ended December 2025) was $286.7 million, up 5.95% from fiscal 2024. In the quarter to June 2026, revenue grew 1.35%, EPS grew 7.95%, free cash flow fell 75.8% and total debt fell 21.7%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three.

49.08 0.20 +0.41%

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Market cap: $836.5M
P/E: 13.6×
Fwd P/E: 12.5×
Dividend yield: 2.18%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.28

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	1	—	—	—	—	—

Insider Ownership 20.00%

Capital & Financial Ratios $m

Market Cap 836.49

Revenue 288.97

Net Income 61.75

Free Cash Flow 51.87

Net Debt (445.86)

Current Ratio 0.79

Debt/Equity 0.06

P/E ratio 13.63

Fwd P/E 12.50

P/S ratio 2.90

P/B ratio 1.47

Past 5Y EPS Growth 13.88%

This Y EPS Growth 3.19%

Next Y EPS Growth 0.94%

Next Y revenue growth (10.20%)

Next 5Y EPS Growth 1.82%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 48.58%

10-year low 10-year high

P/S against its own 10 years 87.21%

10-year low 10-year high

P/B against its own 10 years 89.05%

10-year low 10-year high

Dividends

Payout Ratio 0.30

Annual Dividend Rate 1.07

Annual Dividend Yield 2.18%

	total	individual payouts
2027	Powerpack
2026	1.08	0.27 0.27 0.27
2025	1.00	0.24 0.24 0.26 0.26
2024	0.88	0.21 0.21 0.23 0.23
2023	0.76	0.18 0.18 0.20 0.20
2022	0.66	0.16 0.16 0.17 0.17
2021	0.62	0.15 0.15 0.16 0.16
2020	0.57	0.14 0.14 0.14 0.15
2019	0.48	0.11 0.11 0.13 0.13
2018	0.32	0.07 0.07 0.09 0.09
2017	0.24	0.05 0.05 0.07 0.07
2016	0.17	0.04 0.04 0.04 0.05

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	312	392	530	480
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	3,044	3,043	3,067	2,983

	2023	2024	2025	Q'26
Payables	3,702	3,672	3,662	3,721
ST’ Debt	—	—	—	—
Other	—	—	—	—
	3,737	3,700	3,712	3,768

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	71	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	—	—	—
’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	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.92	0.95	—	—	—
’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	2.36
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	12.83	17.68	19.92	21.04	15.61	21.42	24.43	26.12	25.45	32.38	Analyst estimates 2026–2028 Powerpack
	High	23.15	26.01	26.95	30.95	30.62	29.00	36.23	36.86	40.86	45.63
People
People	Employees	853	825	819	815	773	751	796	811	969	927
	Revenue/emp, $m	0.16	0.17	0.18	0.20	0.28	0.28	0.26	0.31	0.28	0.31
Income, $m
Income, $m	Revenue	135	139	151	166	217	214	207	253	271	287
	Gross margin, %	97.63	97.15	95.44	94.28	97.76	98.37	96.67	91.26	86.80	88.58
	EBT	18	23	30	41	53	49	41	64	66	82
	EBT margin, %	13.06	16.63	19.64	24.57	24.33	23.12	19.83	25.27	24.23	28.50
	Net income	12	11	26	31	32	33	33	52	53	62
	Depreciation	13	13	13	11	15	22	16	12	12	12
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
	Earnings	0.69	0.64	1.54	1.84	1.88	1.98	2.37	3.08	3.12	3.61
	Cash flow	1.33	2.29	2.03	3.20	(2.90)	7.24	5.47	3.22	3.75	5.14
	Capex	(0.26)	(0.24)	(0.09)	(0.22)	(0.58)	(0.31)	(0.37)	(0.41)	(0.51)	(0.44)
	Free cash flow	1.07	2.05	1.95	2.98	(3.48)	6.94	5.10	2.81	3.24	4.69
	Book value	16.20	16.77	17.77	19.50	19.11	22.72	22.85	25.94	29.23	32.42
	Shares, m	17	17	17	17	17	17	17	17	17	17
Valuation, ×
Valuation, ×	P/E	29.79	35.91	15.07	16.58	13.07	13.33	13.68	9.18	11.75	11.83
	P/S	2.63	2.81	2.62	3.08	1.90	2.08	2.65	1.98	2.29	2.53
	P/B	1.29	1.37	1.31	1.56	1.29	1.16	1.42	1.14	1.25	1.31
	EV/Sales	0.93	1.23	1.20	1.16	(2.12)	(2.51)	0.01	0.96	1.04	0.83
	EV/FCF	6.93	4.92	5.45	3.85	7.88	(4.59)	0.02	5.06	5.15	2.99
Cash, $m
Cash, $m	Operating cash flow	23	39	35	54	(49)	122	93	55	64	88
	Capex	(4)	(4)	(1)	(4)	(10)	(5)	(6)	(7)	(9)	(8)
	Free cash flow	18	35	33	50	(58)	117	86	48	55	80
Balance, $m
Balance, $m	Working capital	(570)	(547)	(503)	(442)	(272)	(750)	(846)	(693)	(657)	(646)
	Total debt	68	67	61	59	56	54	53	53	54	43
	Net debt	(228)	(219)	(215)	(319)	(873)	(982)	(547)	(259)	(338)	(487)
	Shareholders’ equity	275	284	303	327	321	383	387	441	495	553
Returns, %
Returns, %	ROA	0.42	0.38	0.90	1.02	0.92	0.83	0.76	1.18	1.23	1.41
	ROIC	23.48	21.97	21.04	318.68	0.00	0.00	0.00	21.96	26.08	77.22
	ROE	4.28	3.88	8.94	9.79	9.75	9.49	8.67	12.62	11.31	11.75

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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.	$900.6M	10.4×	9.4×	+43.94% (above 0%: growing)	+5.41% (above 0%: growing)	+114.21% (above 0%: growing)	70.09%	0.00%	Compare
THFF First Financial Corporation Indiana	$876.8M	10.4×	9.7×	+12.19% (above 0%: growing)	+21.66% (above 0%: growing)	+44.71% (above 0%: growing)	75.76%	0.00%	Compare
SMBK SmartFinancial, Inc.	$861.9M	14.9×	11.5×	+9.67% (above 0%: growing)	+38.57% (above 0%: growing)	+68.13% (above 0%: growing)	65.11%	0.00%	Compare
EGBN Eagle Bancorp, Inc.	$854.2M	— (loss-making)	15.8×	−13.00% (below 0%: shrinking)	n/m	+207.40% (above 0%: growing)	53.23%	0.00%	Compare
GSBC Great Southern Bancorp, Inc.	$846.0M	12.9×	12.9×	−10.48% (below 0%: shrinking)	−16.18% (below 0%: shrinking)	−93.70% (below 0%: shrinking)	71.23%	0.00%	Compare
CCBG Capital City Bank Group	$836.5M	13.6×	12.5×	+1.35% (above 0%: growing)	+7.95% (above 0%: growing)	−75.79% (below 0%: shrinking)	89.45%	0.00%
ORRF Orrstown Financial Services Inc	$816.1M	9.3×	8.8×	+0.90% (above 0%: growing)	+8.91% (above 0%: growing)	−5.50% (below 0%: shrinking)	70.78%	0.00%	Compare
SPFI South Plains Financial, Inc.	$809.1M	11.4×	11.7×	+16.84% (above 0%: growing)	+10.00% (above 0%: growing)	+104.00% (above 0%: growing)	72.34%	0.00%	Compare
IBCP Independent Bank Corp.	$783.4M	10.2×	10.0×	+5.66% (above 0%: growing)	+12.35% (above 0%: growing)	−1.00% (below 0%: shrinking)	76.53%	0.00%	Compare
Median of peers	$850.1M	10.4×	10.8×	+7.67%	+10.00%	+56.42%	71.01%	0.00%

All 323 Banks Regional stocks →

Capital City Bank Group (CCBG) key facts

Strength: Capital City Bank Group’s revenue for fiscal 2025 (year ended December 2025) was $286.7 million, up 5.95% from fiscal 2024.
Capital City Bank Group (CCBG) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, CCBG traded at $49.08, a market capitalization of $836.5 million.
Capital City Bank Group pays an annual dividend of $1.07 per share, a yield of 2.18%, with a payout ratio of 29.7%.
Return on equity was 11.8% and debt-to-equity 0.06.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.