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Capital City Bank Group (CCBG) Financials

Capital City Bank Group logo
$37.24 -0.36 (-0.96%)
Closing price 05/23/2025 04:00 PM Eastern
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$37.20 -0.05 (-0.12%)
As of 05/23/2025 04:04 PM Eastern
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Annual Income Statements for Capital City Bank Group

Annual Income Statements for Capital City Bank Group

This table shows Capital City Bank Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 53 52 34
Consolidated Net Income / (Loss)		 52 51 33
Net Income / (Loss) Continuing Operations		 52 51 33
Total Pre-Tax Income 		66 64 41
Total Revenue		 235 231 200
Net Interest Income / (Expense)		 159 159 125
Total Interest Income		 195 181 132
Loans and Leases Interest Income		 165 152 106
Investment Securities Interest Income		 17 19 16
Federal Funds Sold and Securities Borrowed Interest Income		 13 10 9.51
Total Interest Expense		 36 22 6.89
Deposits Interest Expense		 32 18 3.44
Short-Term Borrowings Interest Expense		 1.08 2.05 1.76
Long-Term Debt Interest Expense		 2.48 2.45 1.68
Total Non-Interest Income		 76 72 75
Other Service Charges		 76 72 75
Provision for Credit Losses		 4.03 9.71 7.49
Total Non-Interest Expense		 165 157 152
Salaries and Employee Benefits		 101 94 92
Net Occupancy & Equipment Expense		 28 28 25
Other Operating Expenses		 37 36 36
Income Tax Expense		 14 13 7.80
Net Income / (Loss) Attributable to Noncontrolling Interest		 -1.27 -1.44 -0.14
Basic Earnings per Share		 $3.12 $3.08 $1.97
Weighted Average Basic Shares Outstanding		 16.94M 16.99M 16.95M
Diluted Earnings per Share		 $3.12 $3.07 $1.97
Weighted Average Diluted Shares Outstanding		 16.97M 17.02M 16.99M
Weighted Average Basic & Diluted Shares Outstanding		 17.05M 16.94M 17.02M
Cash Dividends to Common per Share		 $0.88 $0.76 $0.66

Quarterly Income Statements for Capital City Bank Group

This table shows Capital City Bank Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 13 13 14 13 12 13 14 14 9.71 9.64
Consolidated Net Income / (Loss)		 13 13 14 12 11 12 14 14 8.71 9.61
Net Income / (Loss) Continuing Operations		 13 13 14 12 11 12 14 14 8.61 9.57
Total Pre-Tax Income 		17 16 17 15 14 15 18 17 11 12
Total Revenue		 60 60 59 56 56 56 60 58 53 52
Net Interest Income / (Expense)		 41 40 39 38 39 39 40 40 38 33
Total Interest Income		 50 49 49 47 46 46 45 44 41 35
Loans and Leases Interest Income		 41 42 41 41 40 39 38 35 32 28
Investment Securities Interest Income		 4.69 4.16 4.00 4.24 4.39 4.56 4.82 4.92 4.85 4.37
Federal Funds Sold and Securities Borrowed Interest Income		 3.60 3.51 3.62 1.89 1.39 1.85 2.78 4.11 4.46 3.23
Total Interest Expense		 8.64 9.12 9.50 8.47 7.01 6.47 5.07 3.53 3.12 2.04
Deposits Interest Expense		 7.77 8.22 8.58 7.59 5.87 5.21 4.01 2.49 1.90 1.05
Short-Term Borrowings Interest Expense		 0.28 0.27 0.29 0.24 0.51 0.63 0.45 0.46 0.69 0.54
Long-Term Debt Interest Expense		 0.59 0.62 0.63 0.63 0.63 0.63 0.61 0.58 0.53 0.45
Total Non-Interest Income		 19 20 20 18 17 17 20 18 15 19
Other Service Charges		 37 1.64 20 18 30 17 7.13 18 15 19
Provision for Credit Losses		 0.70 1.21 1.20 0.92 2.03 2.39 2.20 3.10 3.62 2.15
Total Non-Interest Expense		 42 43 40 40 40 39 40 38 39 38
Salaries and Employee Benefits		 26 26 24 24 24 23 23 24 23 23
Net Occupancy & Equipment Expense		 6.89 7.10 7.00 6.99 7.10 6.98 6.82 6.76 6.25 6.15
Other Operating Expenses		 8.78 10 9.04 8.77 9.04 9.12 10 7.39 9.98 8.58
Income Tax Expense		 4.22 2.98 3.19 3.54 2.91 3.00 3.42 3.71 1.90 2.49
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.07 -0.50 -0.11 -0.73 -0.28 -1.15 0.03 -0.04 -1.00 -0.04
Basic Earnings per Share		 $0.77 $0.77 $0.84 $0.74 $0.69 $0.75 $0.83 $0.81 $0.56 $0.57
Weighted Average Basic Shares Outstanding		 16.94M 16.94M 16.93M 16.95M 16.99M 16.99M 17.00M 17.02M 16.95M 16.96M
Diluted Earnings per Share		 $0.78 $0.77 $0.83 $0.74 $0.70 $0.74 $0.83 $0.80 $0.56 $0.57
Weighted Average Diluted Shares Outstanding		 16.97M 16.98M 16.96M 16.97M 17.02M 17.03M 17.04M 17.05M 16.99M 17.00M
Weighted Average Basic & Diluted Shares Outstanding		 17.05M 16.94M 16.94M 16.94M 16.94M 16.96M 16.99M 17.02M 17.02M 16.96M

Annual Cash Flow Statements for Capital City Bank Group

This table details how cash moves in and out of Capital City Bank Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 80 -289 -435
Net Cash From Operating Activities		 64 55 93
Net Cash From Continuing Operating Activities		 64 55 93
Net Income / (Loss) Continuing Operations		 53 52 33
Consolidated Net Income / (Loss)		 53 52 33
Provision For Loan Losses		 4.03 9.71 7.49
Depreciation Expense		 7.67 7.92 7.60
Amortization Expense		 4.35 4.38 7.93
Non-Cash Adjustments to Reconcile Net Income		 -4.49 -14 40
Changes in Operating Assets and Liabilities, net		 -0.91 -5.96 -3.67
Net Cash From Investing Activities		 68 -69 -766
Net Cash From Continuing Investing Activities		 68 -69 -766
Purchase of Property, Leasehold Improvements and Equipment		 -8.69 -7.05 -6.32
Purchase of Investment Securities		 -162 -253 -1,007
Sale and/or Maturity of Investments		 239 191 247
Net Cash From Financing Activities		 -52 -275 238
Net Cash From Continuing Financing Activities		 -52 -275 238
Net Change in Deposits		 -30 -237 226
Issuance of Debt		 -6.44 -21 22
Issuance of Common Equity		 1.50 0.94 1.30
Repayment of Debt		 -0.12 -0.20 -0.25
Repurchase of Common Equity		 -2.33 -3.71 0.00
Payment of Dividends		 -15 -13 -11
Cash Interest Paid		 35 22 6.59
Cash Income Taxes Paid		 6.14 9.12 7.47

Quarterly Cash Flow Statements for Capital City Bank Group

This table details how cash moves in and out of Capital City Bank Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 47 -2.77 43 -7.38 145 -201 -19 -213 30 -124
Net Cash From Operating Activities		 11 13 25 15 4.59 25 4.23 21 18 5.69
Net Cash From Continuing Operating Activities		 11 13 25 15 4.59 25 4.23 21 18 6.36
Net Income / (Loss) Continuing Operations		 13 13 14 13 12 13 14 14 9.61 9.61
Consolidated Net Income / (Loss)		 13 13 14 13 12 13 14 14 9.61 9.61
Provision For Loan Losses		 0.70 1.21 1.20 0.92 2.03 2.39 2.20 3.10 3.62 2.15
Depreciation Expense		 1.87 1.75 2.00 2.05 2.00 1.99 1.96 1.97 1.91 1.89
Amortization Expense		 1.10 1.33 0.92 1.01 1.05 1.14 1.09 1.11 1.19 1.61
Non-Cash Adjustments to Reconcile Net Income		 3.16 -8.86 2.39 -1.19 0.58 5.90 -14 -6.21 8.84 3.10
Changes in Operating Assets and Liabilities, net		 -8.69 4.53 3.95 -0.70 -13 1.25 -1.39 6.95 -7.35 -12
Net Cash From Investing Activities		 -45 6.48 73 34 -11 35 -8.37 -84 -170 -113
Net Cash From Continuing Investing Activities		 -45 6.47 73 34 -11 35 -8.37 -84 -170 -113
Purchase of Property, Leasehold Improvements and Equipment		 -2.25 -2.24 -1.96 -2.24 -1.59 -1.61 -1.97 -1.89 -2.31 -0.69
Purchase of Investment Securities		 -111 -65 24 -9.51 -47 -200 124 -130 -418 -30
Sale and/or Maturity of Investments		 68 73 51 46 37 237 -131 48 251 -83
Net Cash From Financing Activities		 81 -22 -55 -56 151 -262 -15 -149 182 -17
Net Cash From Continuing Financing Activities		 81 -22 -55 -56 151 -262 -15 -149 182 -17
Net Change in Deposits		 93 -29 -46 -47 161 -248 -35 -115 180 -27
Issuance of Debt		 -8.85 1.71 0.69 0.00 -6.21 -15 -0.10 0.00 4.52 18
Issuance of Common Equity		 0.87 0.10 0.36 0.17 0.38 0.08 0.32 0.16 0.72 0.08
Repayment of Debt		 -0.12 9.57 -6.07 -3.51 -0.20 6.12 24 -30 -0.05 -4.83
Payment of Dividends		 -3.90 -3.90 -3.56 -3.56 -3.39 -3.40 -3.06 -3.06 -2.88 -2.88
Cash Interest Paid		 8.87 8.99 9.28 7.88 6.75 6.31 5.00 3.72 3.00 1.97
Cash Income Taxes Paid		 0.40 2.74 3.01 0.00 1.72 3.54 -3.61 7.47 1.06 2.65

Annual Balance Sheets for Capital City Bank Group

This table presents Capital City Bank Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 4,325 4,304 4,519
Cash and Due from Banks		 71 83 72
Federal Funds Sold		 321 229 529
Trading Account Securities		 973 966 1,074
Loans and Leases, Net of Allowance		 -29 -30 2,523
Allowance for Loan and Lease Losses		 29 30 25
Loans Held for Sale		 29 28 27
Premises and Equipment, Net		 82 81 82
Intangible Assets		 93 93 93
Other Assets		 2,757 2,824 120
Total Liabilities & Shareholders' Equity		 4,325 4,304 4,519
Total Liabilities		 3,830 3,856 4,123
Non-Interest Bearing Deposits		 1,306 1,378 1,654
Interest Bearing Deposits		 2,366 2,324 2,286
Short-Term Debt		 28 35 57
Long-Term Debt		 54 53 53
Other Long-Term Liabilities		 76 66 74
Redeemable Noncontrolling Interest		 0.00 7.41 8.76
Total Equity & Noncontrolling Interests		 495 441 387
Total Preferred & Common Equity		 495 441 387
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 495 441 387
Common Stock		 38 36 38
Retained Earnings		 464 426 387
Accumulated Other Comprehensive Income / (Loss)		 -6.49 -22 -37

Quarterly Balance Sheets for Capital City Bank Group

This table presents Capital City Bank Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 4,225 4,226 4,260 4,138 4,391 4,402 4,333
Cash and Due from Banks		 83 75 74 72 84 85 73
Federal Funds Sold		 262 273 231 95 285 303 498
Trading Account Securities		 1,809 1,793 1,868 970 1,029 1,057 1,094
Loans and Leases, Net of Allowance		 -30 -29 -29 2,676 2,655 2,630 2,324
Allowance for Loan and Lease Losses		 30 29 29 29 28 27 23
Loans Held for Sale		 31 24 25 34 45 28 50
Premises and Equipment, Net		 82 81 81 82 82 82 82
Intangible Assets		 93 93 93 93 93 93 93
Other Assets		 2,770 2,783 2,822 116 118 123 119
Total Liabilities & Shareholders' Equity		 4,225 4,226 4,260 4,138 4,391 4,402 4,333
Total Liabilities		 3,742 3,758 3,805 3,711 3,970 3,990 3,950
Non-Interest Bearing Deposits		 1,331 1,344 1,362 1,472 1,520 1,601 1,737
Interest Bearing Deposits		 2,248 2,265 2,293 2,068 2,269 2,223 2,022
Short-Term Debt		 37 26 32 42 51 27 52
Long-Term Debt		 54 54 53 53 53 53 53
Other Long-Term Liabilities		 72 70 65 76 77 86 85
Redeemable Noncontrolling Interest		 6.82 6.48 6.59 7.60 8.75 8.72 9.75
Total Equity & Noncontrolling Interests		 476 461 448 420 412 403 373
Total Preferred & Common Equity		 476 461 448 420 412 403 373
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 476 461 448 420 412 403 373
Common Stock		 36 36 35 36 37 38 36
Retained Earnings		 454 446 435 418 409 398 385
Accumulated Other Comprehensive Income / (Loss)		 -14 -21 -22 -35 -33 -32 -48

Annual Metrics And Ratios for Capital City Bank Group

This table displays calculated financial ratios and metrics derived from Capital City Bank Group's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 1.87% 15.18% -4.85%
EBITDA Growth		 1.88% 34.55% -20.54%
EBIT Growth		 2.67% 55.47% -16.94%
NOPAT Growth		 1.62% 52.72% -16.00%
Net Income Growth		 1.62% 52.10% -15.66%
EPS Growth		 1.63% 55.84% -0.51%
Operating Cash Flow Growth		 16.05% -40.90% -24.13%
Free Cash Flow Firm Growth		 -46.69% 98.84% -70.41%
Invested Capital Growth		 7.59% 5.99% 4.76%
Revenue Q/Q Growth		 1.53% 1.29% 2.04%
EBITDA Q/Q Growth		 3.98% 5.21% -0.35%
EBIT Q/Q Growth		 4.85% 6.38% 3.37%
NOPAT Q/Q Growth		 3.46% 5.88% 4.65%
Net Income Q/Q Growth		 3.24% 5.65% 4.95%
EPS Q/Q Growth		 2.63% 4.78% 10.06%
Operating Cash Flow Q/Q Growth		 11.68% -19.45% -16.40%
Free Cash Flow Firm Q/Q Growth		 622.59% 42.42% -15.69%
Invested Capital Q/Q Growth		 0.53% 2.74% 3.60%
Profitability Metrics		 - - -
EBITDA Margin		 33.03% 33.03% 28.27%
EBIT Margin		 27.91% 27.69% 20.52%
Profit (Net Income) Margin		 21.98% 22.04% 16.69%
Tax Burden Percent		 78.76% 79.58% 81.34%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 21.24% 20.42% 18.98%
Return on Invested Capital (ROIC)		 9.27% 9.75% 6.73%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.27% 9.75% 6.86%
Return on Net Nonoperating Assets (RNNOA)		 1.68% 2.29% 1.72%
Return on Equity (ROE)		 10.95% 12.04% 8.45%
Cash Return on Invested Capital (CROIC)		 1.96% 3.93% 2.08%
Operating Return on Assets (OROA)		 1.52% 1.45% 0.94%
Return on Assets (ROA)		 1.20% 1.15% 0.76%
Return on Common Equity (ROCE)		 10.86% 11.81% 8.23%
Return on Equity Simple (ROE_SIMPLE)		 10.43% 11.53% 8.63%
Net Operating Profit after Tax (NOPAT)		 52 51 33
NOPAT Margin		 21.98% 22.04% 16.62%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% -0.14%
SG&A Expenses to Revenue		 54.79% 52.67% 57.99%
Operating Expenses to Revenue		 70.37% 68.09% 75.74%
Earnings before Interest and Taxes (EBIT)		 66 64 41
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 78 76 57
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.25 1.09 1.34
Price to Tangible Book Value (P/TBV)		 1.53 1.39 1.77
Price to Revenue (P/Rev)		 2.63 2.09 2.59
Price to Earnings (P/E)		 11.66 9.23 15.48
Dividend Yield		 2.42% 2.67% 2.16%
Earnings Yield		 8.58% 10.84% 6.46%
Enterprise Value to Invested Capital (EV/IC)		 0.53 0.50 0.07
Enterprise Value to Revenue (EV/Rev)		 1.31 1.15 0.19
Enterprise Value to EBITDA (EV/EBITDA)		 3.96 3.49 0.66
Enterprise Value to EBIT (EV/EBIT)		 4.68 4.17 0.92
Enterprise Value to NOPAT (EV/NOPAT)		 5.95 5.23 1.13
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.83 4.86 0.41
Enterprise Value to Free Cash Flow (EV/FCFF)		 28.12 12.99 3.65
Leverage & Solvency		 - - -
Debt to Equity		 0.17 0.20 0.28
Long-Term Debt to Equity		 0.11 0.12 0.13
Financial Leverage		 0.18 0.24 0.25
Leverage Ratio		 9.15 10.45 11.10
Compound Leverage Factor		 9.15 10.45 11.10
Debt to Total Capital		 14.20% 16.50% 21.77%
Short-Term Debt to Total Capital		 4.90% 6.59% 11.22%
Long-Term Debt to Total Capital		 9.30% 9.92% 10.55%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 1.38% 1.73%
Common Equity to Total Capital		 85.80% 82.12% 76.50%
Debt to EBITDA		 1.06 1.16 1.95
Net Debt to EBITDA		 -3.99 -2.93 -8.66
Long-Term Debt to EBITDA		 0.69 0.70 0.94
Debt to NOPAT		 1.59 1.74 3.31
Net Debt to NOPAT		 -6.00 -4.40 -14.74
Long-Term Debt to NOPAT		 1.04 1.05 1.60
Noncontrolling Interest Sharing Ratio		 0.79% 1.92% 2.59%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 11 20 10
Operating Cash Flow to CapEx		 731.73% 777.49% 1,466.18%
Free Cash Flow to Firm to Interest Expense		 0.31 0.93 1.50
Operating Cash Flow to Interest Expense		 1.78 2.48 13.46
Operating Cash Flow Less CapEx to Interest Expense		 1.54 2.16 12.54
Efficiency Ratios		 - - -
Asset Turnover		 0.05 0.05 0.05
Fixed Asset Turnover		 2.88 2.82 2.42
Capital & Investment Metrics		 - - -
Invested Capital		 577 537 506
Invested Capital Turnover		 0.42 0.44 0.40
Increase / (Decrease) in Invested Capital		 41 30 23
Enterprise Value (EV)		 307 266 38
Market Capitalization		 617 482 519
Book Value per Share		 $29.23 $25.98 $22.83
Tangible Book Value per Share		 $23.76 $20.50 $17.34
Total Capital		 577 537 506
Total Debt		 82 89 110
Total Long-Term Debt		 54 53 53
Net Debt		 -310 -224 -490
Capital Expenditures (CapEx)		 8.69 7.05 6.32
Net Nonoperating Expense (NNE)		 0.00 0.00 -0.14
Net Nonoperating Obligations (NNO)		 82 89 110
Total Depreciation and Amortization (D&A)		 12 12 16
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $3.12 $0.00 $2.37
Adjusted Weighted Average Basic Shares Outstanding		 16.94M 0.00 16.95M
Adjusted Diluted Earnings per Share		 $3.12 $0.00 $2.36
Adjusted Weighted Average Diluted Shares Outstanding		 16.97M 0.00 16.99M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 17.05M 0.00 17.02M
Normalized Net Operating Profit after Tax (NOPAT)		 52 51 33
Normalized NOPAT Margin		 21.98% 22.04% 16.62%
Pre Tax Income Margin		 27.91% 27.69% 20.52%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 1.84 2.89 5.96
NOPAT to Interest Expense		 1.45 2.30 4.83
EBIT Less CapEx to Interest Expense		 1.59 2.57 5.05
NOPAT Less CapEx to Interest Expense		 1.20 1.98 3.91
Payout Ratios		 - - -
Dividend Payout Ratio		 28.86% 25.39% 33.49%
Augmented Payout Ratio		 33.37% 32.69% 33.49%

Quarterly Metrics And Ratios for Capital City Bank Group

This table displays calculated financial ratios and metrics derived from Capital City Bank Group's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 6.28% 6.63% -2.04% -2.93% 5.50% 7.89% 22.43% 26.97% 8.12% -4.30%
EBITDA Growth		 17.06% 5.84% -2.54% -9.98% 27.71% 13.43% 51.66% 48.20% -1.45% -29.06%
EBIT Growth		 21.16% 7.49% -2.22% -11.64% 36.44% 20.31% 90.49% 87.96% 14.58% -17.07%
NOPAT Growth		 15.08% 9.66% -1.15% -13.52% 32.76% 20.26% 87.75% 81.62% 20.71% -17.48%
Net Income Growth		 14.17% 9.66% -0.17% -13.74% 31.22% 19.79% 87.34% 82.08% 22.09% -17.16%
EPS Growth		 11.43% 4.05% 0.00% -7.50% 25.00% 29.82% 93.02% 95.12% 47.37% -5.00%
Operating Cash Flow Growth		 144.86% -49.67% 489.53% -29.00% -74.24% 344.91% -91.25% -0.95% -50.51% -83.25%
Free Cash Flow Firm Growth		 -45.79% -78.12% 78.04% -226.42% -31.63% -120.77% -344.45% -525.47% -719.45% -120.76%
Invested Capital Growth		 7.59% 9.96% 4.19% 9.75% 5.99% 6.88% 10.62% 5.30% 4.76% 4.18%
Revenue Q/Q Growth		 0.23% 1.44% 4.29% 0.22% 0.57% -6.81% 3.35% 8.93% 2.85% 5.75%
EBITDA Q/Q Growth		 9.01% -7.31% 9.38% 5.92% -1.44% -14.65% 1.03% 50.28% -12.46% 14.12%
EBIT Q/Q Growth		 11.43% -9.48% 12.17% 7.08% -1.14% -17.66% 1.37% 65.34% -12.83% 30.38%
NOPAT Q/Q Growth		 4.31% -10.14% 18.74% 3.40% -0.61% -19.00% 3.88% 58.74% -9.97% 26.46%
Net Income Q/Q Growth		 3.45% -10.83% 19.66% 3.44% -0.64% -18.82% 3.39% 57.36% -9.30% 26.95%
EPS Q/Q Growth		 1.30% -7.23% 12.16% 5.71% -5.41% -10.84% 3.75% 42.86% -1.75% 32.56%
Operating Cash Flow Q/Q Growth		 -11.85% -48.87% 70.25% 1,709.56% -81.88% 498.89% -79.49% 15.79% 212.89% -88.22%
Free Cash Flow Firm Q/Q Growth		 30.02% -395.17% 78.00% -91.19% 14.50% 38.95% -227.07% 22.90% -43.41% -22.91%
Invested Capital Q/Q Growth		 0.53% 4.96% 1.33% 0.63% 2.74% -0.55% 6.75% -2.82% 3.60% 2.93%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 34.00% 31.27% 34.22% 32.63% 30.87% 31.50% 34.39% 35.18% 25.50% 29.96%
EBIT Margin		 29.03% 26.12% 29.27% 27.21% 25.47% 25.91% 29.32% 29.89% 19.69% 23.23%
Profit (Net Income) Margin		 21.80% 21.13% 24.03% 20.95% 20.30% 20.54% 23.58% 23.57% 16.32% 18.50%
Tax Burden Percent		 75.10% 80.89% 82.12% 76.98% 79.69% 79.30% 80.43% 78.86% 82.86% 79.64%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 24.28% 19.11% 18.51% 23.02% 20.28% 20.70% 19.39% 21.34% 18.07% 20.67%
Return on Invested Capital (ROIC)		 9.27% 8.92% 10.13% 9.29% 8.98% 9.25% 10.57% 10.42% 6.53% 7.55%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.15% 8.92% 10.25% 9.29% 8.98% 9.25% 10.54% 10.46% 6.63% 7.59%
Return on Net Nonoperating Assets (RNNOA)		 1.65% 1.82% 2.12% 1.77% 2.11% 2.29% 2.58% 2.17% 1.66% 2.15%
Return on Equity (ROE)		 10.93% 10.74% 12.24% 11.06% 11.09% 11.54% 13.15% 12.59% 8.19% 9.70%
Cash Return on Invested Capital (CROIC)		 1.96% -0.38% 5.00% 0.19% 3.93% 2.84% -0.87% 3.06% 2.08% 2.55%
Operating Return on Assets (OROA)		 1.58% 1.44% 1.55% 1.44% 1.33% 1.39% 1.50% 1.46% 0.90% 1.09%
Return on Assets (ROA)		 1.19% 1.17% 1.27% 1.11% 1.06% 1.10% 1.21% 1.15% 0.74% 0.87%
Return on Common Equity (ROCE)		 10.84% 10.57% 12.03% 10.87% 10.88% 11.30% 12.85% 12.28% 7.98% 9.39%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 10.50% 10.61% 10.92% 0.00% 11.46% 11.20% 9.82% 0.00% 8.53%
Net Operating Profit after Tax (NOPAT)		 13 13 14 12 11 12 14 14 8.61 9.57
NOPAT Margin		 21.99% 21.13% 23.85% 20.95% 20.30% 20.54% 23.63% 23.51% 16.13% 18.43%
Net Nonoperating Expense Percent (NNEP)		 0.13% 0.00% -0.12% 0.00% 0.00% 0.00% 0.03% -0.04% -0.10% -0.04%
SG&A Expenses to Revenue		 55.13% 55.08% 53.34% 55.62% 54.89% 53.53% 50.34% 52.08% 54.85% 56.09%
Operating Expenses to Revenue		 69.80% 71.87% 68.69% 71.16% 70.94% 69.82% 67.03% 64.78% 73.54% 72.62%
Earnings before Interest and Taxes (EBIT)		 17 16 17 15 14 15 18 17 11 12
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 20 19 20 18 17 18 21 20 14 16
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.25 1.25 1.05 1.04 1.09 1.17 1.23 1.19 1.34 1.35
Price to Tangible Book Value (P/TBV)		 1.53 1.56 1.31 1.31 1.39 1.51 1.59 1.55 1.77 1.80
Price to Revenue (P/Rev)		 2.63 2.58 2.12 2.03 2.09 2.16 2.27 2.26 2.59 2.57
Price to Earnings (P/E)		 11.66 11.58 9.41 9.12 9.23 9.79 10.72 11.93 15.48 16.69
Dividend Yield		 2.42% 2.41% 2.88% 2.87% 2.67% 2.52% 2.35% 2.40% 2.16% 2.19%
Earnings Yield		 8.58% 8.64% 10.62% 10.97% 10.84% 10.21% 9.33% 8.38% 6.46% 5.99%
Enterprise Value to Invested Capital (EV/IC)		 0.53 0.61 0.40 0.47 0.50 0.82 0.48 0.37 0.07 0.10
Enterprise Value to Revenue (EV/Rev)		 1.31 1.51 0.97 1.10 1.15 1.88 1.12 0.86 0.19 0.25
Enterprise Value to EBITDA (EV/EBITDA)		 3.96 4.70 2.99 3.41 3.49 5.90 3.56 2.88 0.66 0.87
Enterprise Value to EBIT (EV/EBIT)		 4.68 5.60 3.58 4.08 4.17 7.12 4.35 3.70 0.92 1.24
Enterprise Value to NOPAT (EV/NOPAT)		 5.95 7.02 4.51 5.16 5.23 8.90 5.43 4.62 1.13 1.55
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.83 6.16 3.17 5.18 4.86 6.28 5.18 1.97 0.41 0.45
Enterprise Value to Free Cash Flow (EV/FCFF)		 28.12 0.00 8.21 253.62 12.99 29.71 0.00 12.42 3.65 4.04
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.17 0.19 0.17 0.19 0.20 0.22 0.25 0.19 0.28 0.28
Long-Term Debt to Equity		 0.11 0.11 0.12 0.12 0.12 0.12 0.13 0.13 0.13 0.14
Financial Leverage		 0.18 0.20 0.21 0.19 0.24 0.25 0.25 0.21 0.25 0.28
Leverage Ratio		 9.15 9.18 9.70 9.99 10.45 10.46 10.89 10.96 11.10 11.23
Compound Leverage Factor		 9.15 9.18 9.70 9.99 10.45 10.46 10.89 10.96 11.10 11.23
Debt to Total Capital		 14.20% 15.84% 14.56% 15.75% 16.50% 18.18% 19.80% 16.26% 21.77% 21.64%
Short-Term Debt to Total Capital		 4.90% 6.49% 4.71% 5.91% 6.59% 7.98% 9.65% 5.41% 11.22% 10.70%
Long-Term Debt to Total Capital		 9.30% 9.35% 9.85% 9.84% 9.92% 10.20% 10.15% 10.84% 10.55% 10.94%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 1.19% 1.18% 1.22% 1.38% 1.46% 1.67% 1.77% 1.73% 2.00%
Common Equity to Total Capital		 85.80% 82.98% 84.26% 83.03% 82.12% 80.36% 78.53% 81.97% 76.50% 76.37%
Debt to EBITDA		 1.06 1.22 1.08 1.15 1.16 1.31 1.48 1.26 1.95 1.86
Net Debt to EBITDA		 -3.99 -3.41 -3.65 -2.96 -2.93 -1.00 -3.77 -4.87 -8.66 -8.18
Long-Term Debt to EBITDA		 0.69 0.72 0.73 0.72 0.70 0.74 0.76 0.84 0.94 0.94
Debt to NOPAT		 1.59 1.82 1.63 1.74 1.74 1.98 2.26 2.03 3.31 3.32
Net Debt to NOPAT		 -6.00 -5.09 -5.50 -4.49 -4.40 -1.51 -5.75 -7.81 -14.74 -14.61
Long-Term Debt to NOPAT		 1.04 1.08 1.10 1.09 1.05 1.11 1.16 1.35 1.60 1.68
Noncontrolling Interest Sharing Ratio		 0.79% 1.58% 1.71% 1.77% 1.92% 2.14% 2.35% 2.42% 2.59% 3.22%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -28 -39 -7.96 -36 -19 -22 -36 -11 -14 -10
Operating Cash Flow to CapEx		 500.40% 568.18% 1,271.65% 654.76% 289.23% 1,575.44% 215.27% 1,093.80% 771.59% 824.02%
Free Cash Flow to Firm to Interest Expense		 -3.19 -4.32 -0.84 -4.27 -2.70 -3.42 -7.15 -3.14 -4.60 -4.92
Operating Cash Flow to Interest Expense		 1.30 1.40 2.63 1.73 0.65 3.91 0.83 5.85 5.71 2.80
Operating Cash Flow Less CapEx to Interest Expense		 1.04 1.15 2.42 1.47 0.43 3.67 0.45 5.32 4.97 2.46
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.05 0.06 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 2.88 2.83 2.79 2.80 2.82 2.79 2.71 2.58 2.42 2.36
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 577 574 547 540 537 522 525 492 506 489
Invested Capital Turnover		 0.42 0.42 0.42 0.44 0.44 0.45 0.45 0.44 0.40 0.41
Increase / (Decrease) in Invested Capital		 41 52 22 48 30 34 50 25 23 20
Enterprise Value (EV)		 307 350 220 253 266 427 250 182 38 49
Market Capitalization		 617 598 482 466 482 492 506 481 519 504
Book Value per Share		 $29.23 $28.13 $27.21 $26.46 $25.98 $24.70 $24.23 $23.70 $22.83 $22.00
Tangible Book Value per Share		 $23.76 $22.65 $21.73 $20.98 $20.50 $19.23 $18.76 $18.23 $17.34 $16.51
Total Capital		 577 574 547 540 537 522 525 492 506 489
Total Debt		 82 91 80 85 89 95 104 80 110 106
Total Long-Term Debt		 54 54 54 53 53 53 53 53 53 53
Net Debt		 -310 -254 -268 -220 -224 -73 -265 -308 -490 -465
Capital Expenditures (CapEx)		 2.25 2.24 1.96 2.24 1.59 1.61 1.97 1.89 2.31 0.69
Net Nonoperating Expense (NNE)		 0.11 0.00 -0.11 0.00 0.00 0.00 0.03 -0.04 -0.10 -0.04
Net Nonoperating Obligations (NNO)		 82 91 80 85 89 95 104 80 110 106
Total Depreciation and Amortization (D&A)		 2.98 3.08 2.92 3.06 3.04 3.13 3.05 3.08 3.10 3.49
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.77 $0.77 $0.84 $0.74 $0.69 $0.75 $0.00 $0.00 $0.56 $0.67
Adjusted Weighted Average Basic Shares Outstanding		 16.94M 16.94M 16.93M 16.95M 16.99M 16.99M 0.00 0.00 16.95M 16.96M
Adjusted Diluted Earnings per Share		 $0.78 $0.77 $0.83 $0.74 $0.70 $0.74 $0.00 $0.00 $0.56 $0.67
Adjusted Weighted Average Diluted Shares Outstanding		 16.97M 16.98M 16.96M 16.97M 17.02M 17.03M 0.00 0.00 16.99M 17.00M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 17.05M 16.94M 16.94M 16.94M 16.94M 16.96M 0.00 0.00 17.02M 16.96M
Normalized Net Operating Profit after Tax (NOPAT)		 13 13 14 12 11 12 14 14 8.61 9.57
Normalized NOPAT Margin		 21.99% 21.13% 23.85% 20.95% 20.30% 20.54% 23.63% 23.51% 16.13% 18.43%
Pre Tax Income Margin		 29.03% 26.12% 29.27% 27.21% 25.47% 25.91% 29.32% 29.89% 19.69% 23.23%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 2.01 1.71 1.81 1.81 2.05 2.24 3.48 4.93 3.37 5.92
NOPAT to Interest Expense		 1.52 1.38 1.48 1.40 1.63 1.78 2.80 3.88 2.76 4.70
EBIT Less CapEx to Interest Expense		 1.75 1.46 1.61 1.55 1.82 1.99 3.09 4.40 2.63 5.58
NOPAT Less CapEx to Interest Expense		 1.26 1.14 1.27 1.13 1.40 1.53 2.42 3.34 2.02 4.36
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 28.86% 28.77% 28.41% 27.37% 25.39% 25.78% 25.73% 29.15% 33.49% 34.58%
Augmented Payout Ratio		 33.37% 34.61% 36.62% 38.04% 32.69% 32.27% 30.11% 31.22% 33.49% 34.58%

Frequently Asked Questions About Capital City Bank Group's Financials

When does Capital City Bank Group's fiscal year end?

According to the most recent income statement we have on file, Capital City Bank Group's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Capital City Bank Group's net income changed over the last 2 years?

Capital City Bank Group's net income appears to be on an upward trend, with a most recent value of $51.64 million in 2024, rising from $33.41 million in 2022. The previous period was $50.82 million in 2023. See Capital City Bank Group's forecast for analyst expectations on what’s next for the company.

How has Capital City Bank Group revenue changed over the last 2 years?

Over the last 2 years, Capital City Bank Group's total revenue changed from $200.20 million in 2022 to $234.91 million in 2024, a change of 17.3%.

How much debt does Capital City Bank Group have?

Capital City Bank Group's total liabilities were at $3.83 billion at the end of 2024, a 0.7% decrease from 2023, and a 7.1% decrease since 2022.

How much cash does Capital City Bank Group have?

In the past 2 years, Capital City Bank Group's cash and equivalents has ranged from $70.54 million in 2024 to $83.12 million in 2023, and is currently $70.54 million as of their latest financial filing in 2024.

How has Capital City Bank Group's book value per share changed over the last 2 years?

Over the last 2 years, Capital City Bank Group's book value per share changed from 22.83 in 2022 to 29.23 in 2024, a change of 28.0%.


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This page (NASDAQ:CCBG) was last updated on 5/24/2025 by MarketBeat.com Staff
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