Capital City Bank Group

Capital City Bank Group

CCBG · NASDAQ · Financial Services / Banks - Regional

51.00USD-0.09 (-0.18%)

Price History

Full chart

Market Stats

Previous Close51.09
Open51.07
Day Range50.75 – 51.07
52-Week Range37.37 – 53.31
Volume50.13K
Market Cap843.86M
P/E (TTM)13.70
Forward P/E10.04
EPS3.60
Dividend Yield2.22%
Beta0.34
50-Day Avg51.23
200-Day Avg46.41

About

Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking services to individual and corporate clients. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. It also provides commercial and residential real estate lending products, as well as fixed and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans. In addition, the company offers institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Further, it provides consumer banking services comprising checking accounts, savings programs, interactive/automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and online and mobile banking services. Additionally, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and various retail investment products, such as the U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care, as well as business, estate, financial, insurance and business planning, tax planning, and asset protection advisory services. Further, the company offers mortgage banking. Capital City Bank Group, Inc. was founded in 1895 and is headquartered in Tallahassee, Florida.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. William Godfrey Smith Jr.
  • Employees902
  • Headquarters217 North Monroe Street, Tallahassee, FL, United States, 32301, USA
  • Websitehttps://www.ccbg.com

Leadership

  • Mr. William Godfrey Smith Jr.Chairman & CEO · b. 1953
  • Mr. Thomas A. BarronPresident, Treasurer & Director · b. 1953
  • Mr. Jeptha E. LarkinExecutive VP, CFO & Corporate Secretary · b. 1965
  • Ms. Bethany H. CorumPresident of Capital City Bank · b. 1969
  • Ms. Lynne JensenSenior VP & Chief Technology Officer
  • Ms. Marsha S. CrowleExecutive VP & Director of Compliance · b. 1962
  • Ms. Ashley LeggettChief People Officer
  • Ms. Cheryl B. ThompsonExecutive Vice President of Banking Operations
  • Ms. Brooke W. HallockExecutive VP & Chief Brand Officer
  • Ms. Sharon BradleyVP & Chief Inclusion Officer

Financials

Income Statement

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue28.79M33.95M82.50M104.50M111.60M126.30M136.10M151.02M140.27M136.77M152.08M189.25M221.47M224.62M203.66M180.17M163.67M154.60M140.28M131.87M124.69M133.75M128.36M132.42M144.98M160.11M211.53M207.33M200.56M245.69M262.22M279.31M
Growth (%)-+17.95%+143.00%+26.67%+6.79%+13.17%+7.76%+10.96%-7.12%-2.49%+11.19%+24.44%+17.02%+1.42%-9.33%-11.53%-9.16%-5.54%-9.26%-6.00%-5.44%+7.26%-4.03%+3.16%+9.48%+10.43%+32.12%-1.99%-3.27%+22.51%+6.73%+6.52%
Cost of Revenue15.97M20.78M26.90M35.00M37.60M43.70M49.35M52.23M25.80M18.27M17.58M32.57M48.72M59.24M66.50M56.86M36.79M26.53M21.53M7.89M5.49M4.90M4.01M6.16M9.81M11.52M14.52M1.94M14.38M31.79M39.75M36.01M
Gross Profit12.81M13.17M55.60M69.50M74.00M82.60M86.75M98.79M114.47M118.49M134.50M156.68M172.75M165.38M137.16M123.31M126.88M128.07M118.75M123.98M119.21M128.85M124.36M126.26M135.17M148.59M197.01M205.39M186.18M213.90M222.47M243.30M
Gross Margin44.51%38.79%67.39%66.51%66.31%65.40%63.74%65.41%81.61%86.64%88.44%82.79%78.00%73.62%67.35%68.44%77.52%82.84%84.65%94.02%95.60%96.34%96.88%95.35%93.23%92.80%93.14%99.07%92.83%87.06%84.84%87.11%
Operating Expense595.00K-230.00K39.20M47.90M50.50M59.80M59.15M72.80M78.69M79.72M89.23M109.81M121.57M121.99M115.22M132.12M130.26M122.54M119.98M116.01M108.30M115.27M106.74M103.19M105.53M107.83M144.13M155.94M145.10M150.04M156.90M159.59M
Operating Income12.22M13.40M16.40M21.60M23.50M22.80M27.60M25.98M35.77M38.77M45.27M46.87M51.19M43.39M21.94M-8.81M-3.38M5.53M-1.23M7.97M10.91M13.57M17.61M23.07M29.64M40.76M52.88M49.45M41.08M63.86M65.57M83.71M
Operating Margin42.45%39.47%19.88%20.67%21.06%18.05%20.28%17.21%25.50%28.35%29.77%24.76%23.11%19.32%10.77%-4.89%-2.07%3.57%-0.88%6.04%8.75%10.15%13.72%17.42%20.45%25.46%25.00%23.85%20.48%25.99%25.00%29.97%
EBITDA14.47M16.01M20.70M26.60M29.00M30.80M35.79M35.30M44.80M49.05M56.50M59.66M64.65M55.84M34.42M1.92M6.35M12.97M5.96M14.58M17.44M20.16M24.59M29.62M36.10M47.01M60.11M57.16M48.83M71.94M73.40M89.37M
EBITDA Margin50.29%47.17%25.09%25.45%25.99%24.39%26.29%23.38%31.94%35.86%37.15%31.52%29.19%24.86%16.90%1.06%3.88%8.39%4.25%11.05%13.98%15.07%19.15%22.37%24.90%29.36%28.42%27.57%24.35%29.28%27.99%32.00%
Net Income8.82M9.52M11.40M14.40M15.30M15.30M18.15M16.87M23.08M25.19M29.37M30.28M33.27M29.68M15.22M-3.47M-413.00K4.90M108.00K6.04M9.26M9.12M11.75M10.86M26.22M30.81M31.58M33.40M33.41M52.26M52.91M61.56M
Net Income Margin30.66%28.05%13.82%13.78%13.71%12.11%13.34%11.17%16.46%18.42%19.31%16.00%15.02%13.21%7.48%-1.93%-0.25%3.17%0.08%4.58%7.43%6.82%9.15%8.20%18.09%19.24%14.93%16.11%16.66%21.27%20.18%22.04%
R&D-----------------000000-0-------
R&D as % of Total Revenue-----------------0.00%0.00%0.00%0.00%0.00%0.00%-0.00%-------
Interest Expense14.73M20.49M25.40M32.70M35.20M41.30M46.23M48.25M22.50M14.84M15.44M30.06M46.76M53.08M34.00M16.84M12.96M7.54M5.37M4.42M3.58M3.31M3.19M3.95M6.89M9.49M4.87M3.49M6.89M22.08M35.72M32.74M
Interest Expense % of Total Revenue51.16%60.35%30.79%31.29%31.54%32.70%33.97%31.95%16.04%10.85%10.15%15.89%21.11%23.63%16.69%9.35%7.92%4.88%3.83%3.35%2.87%2.47%2.48%2.98%4.75%5.93%2.30%1.68%3.43%8.99%13.62%11.72%

Balance Sheet

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets742.63M813.66M1.02B1.01B1.44B1.43B1.53B1.82B1.82B1.85B2.36B2.63B2.60B2.62B2.49B2.71B2.62B2.64B2.63B2.61B2.63B2.80B2.85B2.90B2.96B3.09B3.80B4.26B4.52B4.30B4.32B4.39B
Total Liabilities670.23M732.50M931.90M909.20M1.31B1.30B1.38B1.65B1.64B1.64B2.11B2.32B2.28B2.32B2.21B2.44B2.36B2.39B2.39B2.34B2.35B2.52B2.57B2.61B2.66B2.76B3.46B3.87B4.12B3.86B3.83B3.83B
Total Equity72.40M81.16M89.50M100.50M128.90M132.22M147.61M171.78M186.53M202.81M256.80M305.78M315.77M292.68M278.83M267.90M259.02M251.94M246.89M276.40M272.54M274.35M275.17M284.43M302.59M327.02M342.84M394.92M396.04M448.03M495.32M552.85M
Cash89.07M103.06M88.90M113.80M68.40M79.45M73.37M92.41M89.82M93.14M87.04M105.19M98.77M93.44M88.14M57.88M35.41M54.95M66.24M55.21M55.47M51.29M48.27M58.42M62.03M60.09M67.92M65.31M72.11M83.12M70.54M62.19M
Total Debt999.18K4.38M54.10M106.60M43.90M80.53M95.18M80.61M185.42M154.66M195.40M215.49M170.99M142.75M176.40M148.11M205.92M150.87M157.18M152.25M143.41M152.21M80.52M74.33M75.00M65.81M135.60M88.33M110.19M88.54M81.98M93.35M
Net Debt-88.07M-98.68M-34.80M-7.20M-24.50M1.08M21.81M-11.80M95.60M61.52M108.36M110.30M72.22M49.31M88.26M90.23M170.51M95.91M90.94M97.04M87.94M100.92M32.25M15.91M12.96M5.72M67.68M23.02M38.08M5.42M11.44M31.16M

Cash Flow

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow13.69M16.92M24.10M22.30M16.30M24.50M26.75M33.37M38.06M37.85M44.17M48.76M46.19M46.95M46.98M50.56M57.09M37.52M56.71M34.85M25.15M33.76M22.62M38.78M34.63M53.69M-48.61M115.92M60.56M54.78M63.57M87.61M
Investing Cash Flow-10.00M-89.00K-33.00M23.50M-32.60M-52.80M-78.65M82.35M-13.69M-81.58M-131.62M-36.53M23.85M58.25M-81.06M-35.51M-51.20M102.33M88.33M-2.09M-170.47M-197.05M-137.36M-97.53M-94.02M-46.88M-32.59M-447.72M-733.70M-68.54M68.35M64.41M
Financing Cash Flow-28.51M55.62M-5.50M-23.20M31.70M-19.60M72.82M27.12M-20.44M1.56M30.40M-7.41M-58.84M-23.07M-130.67M224.30M-104.00M9.27M-20.62M-12.56M444.00K157.14M31.88M48.15M49.95M95.61M631.33M438.60M238.43M-274.82M-52.14M-13.90M
Capital Expenditure6.06M02.60M2.20M4.30M4.50M3.24M7.67M6.87M11.15M5.58M17.44M19.52M18.41M14.63M15.69M6.97M2.40M2.86M2.69M5.12M4.70M4.45M4.00M1.46M3.76M9.74M5.19M6.32M7.05M8.69M7.59M
Free Cash Flow7.62M16.92M21.50M20.10M12.00M20.00M23.51M25.70M31.19M26.70M38.59M31.32M26.67M28.54M32.36M34.87M50.12M35.12M53.85M32.16M20.03M29.06M18.17M34.78M33.17M49.93M-58.35M110.73M54.24M47.74M54.88M80.03M
Dividends Paid2.45M-5.70M3.70M4.30M5.70M5.55M6.38M6.64M8.65M9.86M11.40M12.32M12.82M12.63M12.96M8.37M5.14M001.57M2.24M2.89M4.07M5.46M8.05M9.57M10.46M11.19M12.90M14.91M17.06M
FCF to OCF55.69%100.00%89.21%90.13%73.62%81.63%87.90%77.01%81.96%70.54%87.38%64.23%57.75%60.78%68.88%68.97%87.78%93.59%94.96%92.28%79.65%86.07%80.33%89.69%95.79%93.00%120.03%95.52%89.56%87.14%86.33%91.34%
Dividend Paid to FCF32.10%-26.51%18.41%35.83%28.50%23.60%24.81%21.30%32.38%25.54%36.39%46.20%44.94%39.03%37.16%16.70%14.64%0.00%0.00%7.83%7.71%15.90%11.71%16.45%16.12%-16.40%9.45%20.63%27.03%27.16%21.32%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Dec 31, 1998Apr 27, 1999Jul 29, 1999Oct 19, 1999Jan 27, 2000Apr 25, 2000Jul 27, 2000Oct 26, 2000Jan 25, 2001Apr 24, 2001Jul 31, 2001Oct 25, 2001Jan 24, 2002Apr 23, 2002Jul 25, 2002Oct 24, 2002Jan 27, 2003Apr 22, 2003Jul 24, 2003Oct 23, 2003Jan 29, 2004Apr 27, 2004Jul 22, 2004Oct 28, 2004Jan 27, 2005Apr 26, 2005Jul 26, 2005Oct 27, 2005Jan 26, 2006Apr 25, 2006Jul 27, 2006Oct 26, 2006Jan 23, 2007Apr 23, 2007Jul 24, 2007Oct 23, 2007Jan 22, 2008Apr 22, 2008Jul 22, 2008Oct 21, 2008Jan 26, 2009Apr 20, 2009Jul 21, 2009Oct 20, 2009Jan 26, 2010Apr 19, 2010Jul 20, 2010Oct 26, 2010Jan 25, 2011Apr 25, 2011Jul 26, 2011Oct 25, 2011Jan 27, 2012May 1, 2012Jul 24, 2012Oct 23, 2012Jan 29, 2013Apr 22, 2013Jul 23, 2013Oct 29, 2013Jan 28, 2014Apr 28, 2014Jul 22, 2014Oct 28, 2014Jan 27, 2015Apr 27, 2015Jul 21, 2015Oct 20, 2015Jan 26, 2016Apr 25, 2016Jul 26, 2016Oct 25, 2016Jan 24, 2017Apr 24, 2017Jul 25, 2017Oct 24, 2017Jan 23, 2018Apr 23, 2018Jul 24, 2018Oct 23, 2018Jan 29, 2019Apr 22, 2019Jul 23, 2019Oct 29, 2019Jan 30, 2020Apr 23, 2020Jul 21, 2020Oct 27, 2020Jan 26, 2021Apr 27, 2021Jul 27, 2021Oct 26, 2021Jan 25, 2022Apr 25, 2022Jul 26, 2022Oct 25, 2022Jan 24, 2023Apr 24, 2023Jul 25, 2023Oct 24, 2023Jan 23, 2024Apr 22, 2024Jul 23, 2024Oct 22, 2024Jan 28, 2025Apr 21, 2025Jul 22, 2025Oct 21, 2025Jan 27, 2026Apr 20, 2026Jul 21, 2026Oct 20, 2026
EPS Estimate----0.240.240.260.270.270.270.290.290.280.280.280.260.290.310.330.350.370.380.390.380.370.380.410.420.410.390.440.460.430.440.460.460.440.430.450.410.380.320.320.210.01-0.040.02-0.08-0.15-0.18-0.04-0.010.040.020.070.080.01-0.01-0.050.010.040.060.060.080.080.100.120.120.130.090.120.130.140.150.160.170.180.200.230.250.300.300.330.370.370.420.450.460.400.300.420.500.450.550.500.460.380.530.660.750.750.850.840.720.700.730.770.720.740.790.870.890.830.910.95
EPS Actual0.230.250.240.240.230.230.280.270.290.260.290.290.270.260.270.290.310.330.350.440.380.390.380.370.300.380.400.410.360.440.460.400.400.440.470.480.380.430.410.440.280.280.07-0.100.040.08-0.08-0.20-0.200.040.020.07-0.030.120.12-0.03-0.07-0.100.070.110.050.050.090.160.220.080.120.110.060.220.090.160.100.220.170.200.160.210.270.240.250.270.330.410.380.440.500.510.250.550.620.460.560.540.620.400.500.520.530.770.890.850.810.700.740.830.780.770.990.880.930.800.920.95-
Surprise-----4.17%-4.17%7.69%0.00%7.41%-3.70%0.00%0.00%-3.57%-7.14%-3.57%11.54%6.90%6.45%6.06%25.71%2.70%2.63%-2.56%-2.63%-18.92%0.00%-2.44%-2.38%-12.20%12.82%4.55%-13.04%-6.98%0.00%2.17%4.35%-13.64%0.00%-8.89%7.32%-26.32%-12.50%-78.13%-147.62%300.00%300.00%-500.00%-150.00%-33.33%122.22%150.00%800.00%-175.00%500.00%71.43%-137.50%-800.00%-900.00%240.00%1000.00%25.00%-16.67%50.00%100.00%175.00%-20.00%0.00%-8.33%-53.85%144.44%-25.00%23.08%-28.57%46.67%6.25%17.65%-11.11%5.00%17.39%-4.00%-16.67%-10.00%0.00%10.81%2.70%4.76%11.11%10.87%-37.50%83.33%47.62%-8.00%24.44%-1.82%24.00%-13.04%31.58%-1.89%-19.70%2.67%18.67%0.00%-3.57%-2.78%5.71%13.70%1.30%6.94%33.78%11.39%6.90%-10.11%10.84%4.40%-
Timing--------------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap843.86M
Enterprise Value471.33M
Trailing P/E13.70
Forward P/E10.04
PEG Ratio2.40
Price / Sales3.36
Price / Book1.49
EPS3.60
Book Value33.32
Revenue (TTM)251.39M
Gross Profit (TTM)251.39M
Profit Margin24.56%
Operating Margin33.25%
Return on Equity11.26%
Return on Assets1.40%
Shares Outstanding17.11M
Shares Float13.70M
Beta0.34
Dividend Yield2.22%
Dividend Rate1.08
Payout Ratio29.72%

Analyst Ratings

Buy
Based on 3 analystsTarget 51.67
  • Strong Buy
    1
  • Buy
    1
  • Hold
    1

Ownership Breakdown

Institutions
53.89%
Insiders
19.95%
Retail / Other
26.16%

Top Institutional Holders

  • BlackRock Inc
    1.65M9.65%
  • Dimensional Fund Advisors, Inc.
    878.84K5.14%
  • Vanguard Capital Management, LLC
    623.11K3.64%
  • Heartland Advisors Inc
    500.00K2.92%
  • American Century Companies Inc
    471.33K2.75%
  • Wellington Management Company LLP
    457.08K2.67%
  • Charles Schwab Investment Management Inc
    417.18K2.44%
  • State Street Corp
    354.83K2.07%
  • Geode Capital Management, LLC
    332.60K1.94%
  • Renaissance Technologies Corp
    174.87K1.02%
  • Acadian Asset Management LLC
    166.03K0.97%
  • Vanguard Portfolio Management, LLC
    157.37K0.92%
  • Murphy Middleton Hinkle & Parker Inc
    145.94K0.85%

Top Fund Holders

  • Heartland Value Investor
    500.00K2.92%
  • Vanguard MStar Total Stk Mkt Idx Invest
    434.88K2.54%
  • Avantis US Small Cap Value ETF
    424.63K2.48%
  • Schwab US Dividend Equity ETF™
    373.25K2.18%
  • iShares Russell 2000 ETF
    368.80K2.16%
  • BlackRock Advantage Small Cap Core Instl
    183.82K1.07%
  • Fidelity Small Cap Index
    151.62K0.89%

Dividends

20263×
0.27Sep 8, 20260.27Jun 1, 20260.27Mar 9, 2026
20254×
0.26Dec 1, 20250.26Sep 8, 20250.24Jun 9, 20250.24Mar 10, 2025
20244×
0.23Dec 9, 20240.23Sep 9, 20240.21Jun 10, 20240.21Mar 8, 2024
20234×
0.20Dec 1, 20230.20Sep 8, 20230.18Jun 2, 20230.18Mar 3, 2023
20224×
0.17Dec 2, 20220.17Sep 9, 20220.16Jun 3, 20220.16Mar 4, 2022
20214×
0.16Dec 3, 20210.16Sep 10, 20210.15Jun 4, 20210.15Mar 5, 2021
20201×
0.15Dec 4, 2020

Stock Splits

  • Jul 5, 20055:4
  • Jun 16, 20035:4
  • Jun 2, 19983:2
  • Apr 2, 19972:1