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Capital City Bank Group(NASDAQ) CCBG

Current Price$50.89
Market Cap$886.37MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1991)+1,925%
5 Year+142%
1 Year+28%
1 Month+9%
Capital City Bank Group last closing stock price
MetricPriceDate
Last closeUSD 50.932026-07-22
Capital City Bank Group stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.37%USD 49.752026-07-15
1 month+8.69%USD 46.862026-06-22
3 month+10.68%USD 46.022026-04-23
Year to date+21.11%USD 42.052025-12-31
1 year+28.21%USD 39.732025-07-22
3 year+67.49%USD 30.412023-07-21
5 year+141.52%USD 21.092021-07-23
Since inception+1,925.19%USD 2.561991-01-31

Capital City Bank Group Financials at a Glance

Market Cap

$886.37MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$278.29M

Net Income (TTM)

$61.75M

EPS (TTM)

$3.60

P/E Ratio

14.66

Dividend

$1.06

Beta (Volatility)

0.56 (Low)

Price

$50.89

Volume

12,112

Open

$52.38

Previous Close

$50.89

Daily Range

$50.41 - $52.38

52-Week Range

$38.00 - $52.38

Estimated Earnings Date

Oct 20, 2026

CCBG News

No articles available.

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About Capital City Bank Group

Capital City helps people and businesses manage their money. The bank offers loans to buy homes, cars, and equipment. It also provides accounts for saving and spending every day.

Where the Money Goes

  • Commercial Banking: Financing for business properties, equipment, and inventory; includes treasury management and merchant credit card processing.
  • Real Estate Loans: Fixed and adjustable-rate mortgages for residential and commercial properties.
  • Consumer Services: Checking accounts, savings programs, credit cards, and personal loans for automobiles or boats.
  • Wealth Management: Asset management, trust services, and investment products including stocks, bonds, and annuities for individuals.
  • Mortgage Banking: Residential loan production and servicing through Capital City Home Loans across the Southeast.

Growing Beyond the Branch

  • Expanded the regional footprint to 62 full-service banking offices and 107 ATMs throughout Florida, Georgia, and Alabama by March 2026.
  • Enhanced mortgage operations through Capital City Home Loans, which maintains 27 specialized offices for residential lending.
  • Committed capital to a bank tech venture capital fund to identify and fund new technology for community banks.

The Regional Advantage

The company maintains a strong presence in the Southeast by combining traditional community banking with specialized services like wealth management and mortgage banking. This diversified approach helps the bank serve a wide range of clients from local governments to individual savers.

A Look at the Books

  • Net income was $15.8 million in Q1 2026, down 6.2% from $16.9 million in Q1 2025.
  • Total interest income reached $51 million in Q1 2026, up 2.5% from $49.8 million in the same period last year.
  • Operating income reached $20.7 million in Q1 2026, a 6% decrease from $22 million in Q1 2025.
  • Market capitalization hit $744.4 million in Q1 2026, up 21.6% from $612.3 million in Q1 2025.

The Long-Term View

Capital City has evolved from a local Florida lender into a diversified financial holding company spanning three states. Its growth is driven by a balance of traditional interest-based banking and fee-generating services like asset management and mortgage production.

AI Generated • May 3, 2026

Industry

Banks

Sector

Financials

Employees

902

CEO

Bill Smith, Jr.

Website

www.ccbg.com

Headquarters

Tallahassee, FL 32301, US

CCBG Financials

Key Financial Metrics (TTM)

Gross Margin

90.16%

Operating Margin

30.04%

Net Income Margin

22.19%

Return on Equity

11.11%

Return on Capital

12.95%

Return on Assets

1.39%

Earnings Yield

6.82%

Dividend Yield

2.05%

Payout Ratio

28.50%

Stock Overview

Market Cap

$886.37MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

17.10M

Volume

12.11K

Avg. Volume

91.44K

Financials (TTM)

Gross Profit

$250.91M

Operating Income

$83.59M

EBITDA

$87.31M

Operating Cash Flow

$99.80M

Capital Expenditure

-$6.49M

Free Cash Flow

$93.32M

Cash & ST Invst.

$67.12M

Total Debt

$80.78M

Capital City Bank Group Performance Analysis

Capital City Bank Group annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 228,307,0003.5%
20232023-12-31USD 255,690,00012.0%
20242024-12-31USD 271,966,0006.4%
20252025-12-31USD 290,894,0007.0%
Capital City Bank Group sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-303.3%
Q42025-12-310.7%
Q12026-03-31-12.6%
Q22026-06-3015.4%
Capital City Bank Group annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.3619.6%
20232023-12-31USD 3.0729.9%
20242024-12-31USD 3.121.6%
20252025-12-31USD 3.6015.4%
Capital City Bank Group sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-305.7%
Q42025-12-31-14.0%
Q12026-03-3115.0%
Q22026-06-303.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$72.44M

+5.0%

Gross Profit

$63.88M

+6.3%

Gross Margin

88.18%

N/A

Market Cap

$886.37MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$982.67K

N/A

Employees

902

N/A

Net Income

$16.28M

+8.2%

EBITDA

$21.24M

-3.2%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$67.12M

-87.3%

Total Debt

$80.78M

+3.8%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$33.87M

-21.7%

Short Term Debt

$46.91M

+35.8%

Return on Assets

1.39%

N/A

Return on Invested Capital

1.90%

N/A

Free Cash Flow

$14.66M

-24.8%

Operating Cash Flow

$15.94M

-27.1%

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Questions About CCBG

What is the current price of Capital City Bank Group?

Capital City Bank Group is trading at $50.89 per share.

What is the 52-week range for Capital City Bank Group?

Over the past 52 weeks, Capital City Bank Group has traded between $38.00 and $52.38.

How much debt does Capital City Bank Group have?

As of the most recent reporting period, Capital City Bank Group reported total debt of $80.78M.

How much cash does Capital City Bank Group have on hand?

Capital City Bank Group does not have cash on hand data available.

What is Capital City Bank Group’s dividend yield?

Capital City Bank Group currently has a dividend yield of 2.05%.

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