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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. 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%
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%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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. $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.

Source: company filings (standardised) and stockrow calculations.

Capital City Bank Group (CCBG) Latest News

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stockrow.com/CCBG · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com