Stocks › CCBG
Capital City Bank Group CCBG
US equityMarket cap rank #3321
$50.31 −$0.03 (-0.06%)
Market closed · Nov 6, 8:10 pm ET · Last extended-hours $50.31 0.00%
Open$50.09
Prev close$50.34
Day range$50.08 – $51.22
Volume47.7K
Market cap$861.09M
P/E (TTM)13.7
Dividend yield2.13%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$61.88M-2.4% YoY
Net profit$16.94M+6.2% YoY
Diluted EPS$0.99+6.5% YoY
Free cash flow$29.16M+47.1% YoY
Operating cash flow$33.14M
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin25.5%
Return on equity11.3%
Return on assets1.4%
Liabilities / assets86.9%
Cash & investments$71.62M
Total debt$72.75M
Net cash (debt)-$1.13M
Free cash flow / sales24.9%
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Operating Revenue | $61.88M | $62.36M | $60.32M | $244.42M | $61.32M |
| Net Interest Income | $45.01M | $44.20M | $42.82M | $171.65M | $43.36M |
| -Interest Income | $52.49M | $51.84M | $51.02M | $204.39M | $51.72M |
| -Interest Expense | $7.48M | $7.64M | $8.20M | $32.74M | $8.36M |
| Non-Interest Income | $16.87M | $18.16M | $17.50M | $72.78M | $17.96M |
| -Fees and Commissions | $14.80M | $15.92M | $15.10M | $64.82M | $16.03M |
| -Other Non-Interest Income | $2.07M | $2.24M | $2.40M | $7.96M | $1.93M |
| Credit Losses Provision | $80,000.00 | -$919,000.00 | -$712,000.00 | -$5.26M | -$2.00M |
| Non-Interest Expense | $39.78M | $40.20M | $38.94M | $157.44M | $40.72M |
| Occupancy and Equipment | $7.29M | $7.32M | $7.08M | $27.95M | $7.05M |
| Professional Expense and Contract Services Expense | $1.95M | $1.94M | $1.81M | $7.68M | $1.45M |
| Selling and Admin Expenses | $26.40M | $26.68M | $26.56M | $108.32M | $27.55M |
| -Selling & Marketing Expense | $787,000.00 | $854,000.00 | $870,000.00 | $3.19M | $840,000.00 |
| -General & Admin Expense | $25.61M | $25.83M | $25.69M | $105.13M | $26.71M |
| Other Non-Interest Expenses | $4.14M | $4.26M | $3.49M | $13.49M | $4.67M |
| Pretax Profit | $22.18M | $21.24M | $20.67M | $81.72M | $18.60M |
| Tax | $5.24M | $4.96M | $4.85M | $20.16M | $4.90M |
| Net Profit | $16.94M | $16.28M | $15.82M | $61.56M | $13.71M |
| Profit from Continuing Operations | $16.94M | $16.28M | $15.82M | $61.56M | $13.71M |
| Net Income to Parent Company | $16.94M | $16.28M | $15.82M | $61.56M | $13.71M |
| Net Income to Common Stockholders | $16.94M | $16.28M | $15.82M | $61.56M | $13.71M |
| Basic EPS | $0.99 | $0.95 | $0.92 | $3.61 | $0.80 |
| Diluted EPS | $0.99 | $0.95 | $0.92 | $3.60 | $0.80 |
| Dividend Per Share | $0.27 | $0.27 | $0.27 | $1.00 | $0.26 |
| Minority Interests | – | – | – | $0.00 | $0.00 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $4.40B | $4.45B | $4.45B | $4.39B | $4.39B |
| Cash, Cash Equivalents & Federal Funds Sold | $411.63M | $479.73M | $488.97M | $529.97M | $529.97M |
| -Cash and Cash Equivalents | $71.62M | $67.12M | $64.21M | $62.19M | $62.19M |
| -Money Market Investments | $340.02M | $412.61M | $424.76M | $467.78M | $467.78M |
| Securities Investment | $1.18B | $1.16B | $1.16B | $1.02B | $1.02B |
| -Available for Sale Securities | $519.84M | $487.48M | $470.75M | $360.14M | $360.14M |
| -Held to Maturity Securities | $315.14M | $295.87M | $294.72M | $247.66M | $247.66M |
| -Short Term Investments | $345.46M | $376.78M | $390.47M | $415.63M | $415.63M |
| Net Loan | $2.48B | $2.50B | $2.51B | $2.54B | $2.54B |
| -Gross Loan | $2.51B | $2.53B | $2.54B | $2.57B | $2.57B |
| -Allowance for Loans and Lease Losses | $30.37M | $31.01M | $31.00M | $31.00M | $31.00M |
| Net PPE | $83.26M | $81.15M | $77.67M | $79.46M | $79.46M |
| Goodwill and Other Intangible Assets | $89.10M | $89.10M | $89.10M | $89.10M | $89.10M |
| -Goodwill | $89.10M | $89.10M | $89.10M | $89.10M | $89.10M |
| Foreclosed Assets | $2.35M | $3.42M | $1.82M | $1.94M | $1.94M |
| Other Assets | $147.16M | $133.81M | $127.76M | $125.06M | $125.06M |
| Total Liabilities | $3.82B | $3.88B | $3.89B | $3.83B | $3.83B |
| Total Deposits | $3.67B | $3.72B | $3.75B | $3.66B | $3.66B |
| Short-Term Debt and Capital Lease Obligation | $38.88M | $46.91M | $33.28M | $28.07M | $28.07M |
| -Current Debt | $38.88M | $46.91M | $33.28M | $28.07M | $28.07M |
| Long Term Debt and Capital Lease Obligation | $33.87M | $33.87M | $33.98M | $43.26M | $43.26M |
| -Long Term Debt | $33.87M | $33.87M | $33.98M | $43.26M | $43.26M |
| Other Liabilities | $83.57M | $78.60M | $74.95M | $77.25M | $77.25M |
| Total Equity | $573.86M | $570.10M | $559.91M | $552.85M | $552.85M |
| Stockholders' Equity | $573.86M | $570.10M | $559.91M | $552.85M | $552.85M |
| Capital Stock | $171,000.00 | $171,000.00 | $171,000.00 | $171,000.00 | $171,000.00 |
| -Common Stock | $171,000.00 | $171,000.00 | $171,000.00 | $171,000.00 | $171,000.00 |
| -Preferred Stock | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Additional Paid-In Capital | $41.52M | $40.82M | $39.85M | $41.65M | $41.65M |
| Retained Earnings | $543.61M | $531.29M | $519.63M | $508.44M | $508.44M |
| Gains/Losses Not Affecting Retained Earnings | -$11.44M | -$2.19M | $255,000.00 | $2.59M | $2.59M |
| -Gross PPE | – | – | – | $186.42M | $186.42M |
| -Accumulated Depreciation | – | – | – | -$106.96M | -$106.96M |
| Federal Funds Purchased and Securities Sold Under Agreement to Repurchase | – | – | – | $22.02M | $22.02M |
Cash flow
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Operating Cash Flow | $33.14M | $12.77M | $15.94M | $87.61M | $11.56M |
| Net cash flow from continuing operations | $33.14M | $12.77M | $15.94M | $87.61M | $11.56M |
| Net Income from Continuing Operations | $16.94M | $16.28M | $15.82M | $61.56M | $13.71M |
| Gain/Loss from Continuing Operations | -$462,000.00 | $0.00 | -$334,000.00 | -$6.81M | -$1.52M |
| Depreciation & Depletion & Amortization | $1.87M | $1.83M | $1.82M | $7.52M | $1.86M |
| Deferred Tax | -$3.64M | $516,000.00 | $593,000.00 | $1.59M | -$840,000.00 |
| Other Non-Cash Items | $10.89M | -$11.48M | $622,000.00 | $3.92M | -$1.44M |
| Change in Working Capital | $6.28M | $3.58M | -$4.45M | $8.11M | -$4.04M |
| -Change in Other Current Assets | $1.33M | $146,000.00 | -$2.48M | $7.48M | $3.71M |
| -Change in Other Current Liabilities | $4.96M | $3.43M | -$1.97M | $594,000.00 | -$7.77M |
| -Change in Other Working Capital | -$8,000.00 | -$4,000.00 | -$6,000.00 | $31,000.00 | $17,000.00 |
| Net cash flow from investing | -$34.26M | -$982,000.00 | -$112.89M | $64.41M | -$929,000.00 |
| Net Cash Flow from Continuing Investing Activities | -$34.26M | -$982,000.00 | -$112.89M | $64.41M | -$929,000.00 |
| Net PPE Purchase and Sale | -$3.98M | -$5.31M | -$1.28M | -$7.59M | -$1.62M |
| Net Investment Purchase and Sale | -$40.54M | -$7.23M | -$135.53M | -$38.07M | -$37.15M |
| Net Income from Loans | $8.56M | $17.02M | $21.78M | $100.35M | $37.84M |
| Net Other Investing Changes | $1.70M | -$5.46M | $2.14M | $7.34M | $2,000.00 |
| Financing Cash Flow | -$66.98M | -$21.02M | $55.96M | -$13.90M | $53.44M |
| Net Cash Flow from Continuing Financing Activities | -$66.98M | -$21.02M | $55.96M | -$13.90M | $53.44M |
| Increase/Decrease in Deposit | -$54.44M | -$30.61M | $89.31M | -$9.67M | $47.40M |
| Net Issuance Payments of Debt | -$8.03M | $13.63M | -$26.10M | $11.48M | $9.85M |
| Net Common Stock Issuance | $109,000.00 | $587,000.00 | -$2.64M | $0.00 | -$710,000.00 |
| Cash Dividends Paid | -$4.62M | -$4.62M | -$4.63M | -$17.06M | -$4.44M |
| Ending Cash Balance | $411.63M | $479.73M | $488.97M | $529.97M | $529.97M |
| Net Change in Cash | -$68.10M | -$9.24M | -$41.00M | $138.12M | $64.07M |
| Beginning Cash Balance | $479.73M | $488.97M | $529.97M | $391.85M | $465.90M |
| Free Cash Flow | $29.16M | $7.45M | $14.66M | $80.03M | $9.94M |
| Proceeds from Stock Option Exercised | – | – | $12,000.00 | $1.34M | – |
| Net Business Purchase and Sale | – | – | – | $2.38M | $0.00 |
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