Capital City Bank Group Inc (CCBG) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Capital City Bank reported revenue of $254.0M, up 8.1% from $234.9M the year before. Net income was $61.6M (a 24.2% net margin), or $3.60 per diluted share. Net interest income was $171.6M, and the efficiency ratio (noninterest expense / revenue) was 65.8%. Operating activities generated $87.6M of cash, leaving $80.0M of free cash flow. At fiscal year end, Capital City Bank held $4.39B in total assets against $3.83B in total liabilities.
Open the full interactive Capital City Bank financials → Quarterly statements, key ratios, valuation history and price charts.
Capital City Bank Key Stats
| Share Price | $48.17 |
|---|---|
| Market Cap | $825.0M |
| P/E Ratio | 13.4 |
| Revenue YoY Growth | +8.1% |
| 52-Week Range | $37.99 – $52.56 |
| Shares Outstanding | 17.1 million (basic, 2026 Q2) |
Capital City Bank Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $101.3M | $102.9M | $124.5M | $159.0M | $158.9M | $171.6M |
| Provision for Credit Losses | $9.6M | -$1.6M | $7.2M | $9.7M | $4.0M | $5.3M |
| Noninterest Income | $111.2M | $107.5M | $94.6M | $71.6M | $76.0M | $82.4M |
| Noninterest Expense | $150.0M | $162.5M | $161.8M | $157.0M | $165.3M | $167.0M |
| Revenue | $212.5M | $210.4M | $219.1M | $230.6M | $234.9M | $254.0M |
| Pre-Tax Income | $52.9M | $49.5M | $50.1M | $63.9M | $65.6M | $81.7M |
| Income Tax | $10.2M | $9.8M | $10.1M | $13.0M | $13.9M | $20.2M |
| Net Income | $31.6M | $33.4M | $40.1M | $52.3M | $52.9M | $61.6M |
| Diluted EPS | $1.88 | $1.98 | $2.36 | $3.07 | $3.12 | $3.60 |
Capital City Bank Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $65.9M | $63.5M | $62.8M | $64.8M |
| Net Income | $15.9M | $13.7M | $15.8M | $16.3M |
| Diluted EPS | $0.93 | $0.80 | $0.92 | $0.95 |
Capital City Bank Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $1.98B | $1.91B | $2.50B | $2.70B | — | — |
| Total Assets | $3.80B | $4.26B | $4.53B | $4.30B | $4.32B | $4.39B |
| Deposits | $3.22B | $3.71B | $3.94B | $3.70B | $3.67B | $3.66B |
| Total Long-Term Debt | $3.1M | $884,000 | $513,000 | $314,000 | $53.7M | $43.3M |
| Total Liabilities | $3.46B | $3.87B | $4.12B | $3.86B | $3.83B | $3.83B |
| Shareholders' Equity | $320.8M | $383.2M | $394.0M | $440.6M | $495.3M | $552.9M |
Capital City Bank Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | -$48.6M | $115.9M | $60.6M | $66.4M | $63.6M | $87.6M |
| Cash From Investing | -$32.6M | -$447.7M | -$733.7M | -$80.1M | $68.4M | $64.4M |
| Cash From Financing | $631.3M | $438.6M | $238.4M | -$274.8M | -$52.1M | -$13.9M |
| Free Cash Flow | -$58.3M | $110.7M | $54.2M | $59.3M | $54.9M | $80.0M |
Figures from Capital City Bank's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Capital City Bank financials page for every line item.
Capital City Bank Company Profile
| Ticker | CCBG |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Tallahassee, Florida |
| Incorporated in | Florida |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000726601 |
Frequently Asked Questions
What was Capital City Bank's revenue in fiscal 2025?
Capital City Bank (CCBG) reported revenue of $254.0M for fiscal 2025.
What is Capital City Bank's annual revenue history?
Capital City Bank's annual revenue by fiscal year: 2020: $212.5M; 2021: $210.4M; 2022: $219.1M; 2023: $230.6M; 2024: $234.9M; 2025: $254.0M.
What was Capital City Bank's net income in fiscal 2025?
Capital City Bank reported net income of $61.6M for fiscal 2025.
What was Capital City Bank's earnings per share (EPS) in fiscal 2025?
Capital City Bank's diluted EPS was $3.60 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Capital City Bank generate in fiscal 2025?
Capital City Bank generated $80.0M of free cash flow in fiscal 2025.
What was Capital City Bank's revenue last quarter?
In its most recent reported quarter (2026 Q2), Capital City Bank reported revenue of $64.8M.
How much debt does Capital City Bank have?
Capital City Bank reported $43.3M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Capital City Bank are outstanding?
Capital City Bank reported a weighted average of 17.1 million basic shares outstanding in 2026 Q2.
What is Capital City Bank's market cap?
Based on its latest closing price, Capital City Bank (CCBG) has a market capitalization of about $825.0M.
When does Capital City Bank's fiscal year end?
Capital City Bank's fiscal year end, as registered with the SEC, is December 31.
Where is Capital City Bank headquartered?
Capital City Bank lists its business address in Tallahassee, Florida in its SEC filings.