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Capital City Bank Group (CCBG) Financials

Capital City Bank Group logo
$42.67 -0.39 (-0.91%)
Closing price 04:00 PM Eastern
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$42.66 -0.01 (-0.01%)
As of 04:12 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 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 34 52 53
Consolidated Net Income / (Loss)		 33 51 52
Net Income / (Loss) Continuing Operations		 33 51 52
Total Pre-Tax Income 		41 64 66
Total Revenue		 200 231 235
Net Interest Income / (Expense)		 125 159 159
Total Interest Income		 132 181 195
Loans and Leases Interest Income		 106 152 165
Investment Securities Interest Income		 16 19 17
Federal Funds Sold and Securities Borrowed Interest Income		 9.51 10 13
Total Interest Expense		 6.89 22 36
Deposits Interest Expense		 3.44 18 32
Short-Term Borrowings Interest Expense		 1.76 2.05 1.08
Long-Term Debt Interest Expense		 1.68 2.45 2.48
Total Non-Interest Income		 75 72 76
Other Service Charges		 75 72 76
Provision for Credit Losses		 7.49 9.71 4.03
Total Non-Interest Expense		 152 157 165
Salaries and Employee Benefits		 92 94 101
Net Occupancy & Equipment Expense		 25 28 28
Other Operating Expenses		 36 36 37
Income Tax Expense		 7.80 13 14
Net Income / (Loss) Attributable to Noncontrolling Interest		 -0.14 -1.44 -1.27
Basic Earnings per Share		 $1.97 $3.08 $3.12
Weighted Average Basic Shares Outstanding		 16.95M 16.99M 16.94M
Diluted Earnings per Share		 $1.97 $3.07 $3.12
Weighted Average Diluted Shares Outstanding		 16.99M 17.02M 16.97M
Weighted Average Basic & Diluted Shares Outstanding		 17.02M 16.94M 17.05M
Cash Dividends to Common per Share		 $0.66 $0.76 $0.88

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

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

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

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

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

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

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

Financials Breakdown Chart

Key Financial Trends

Capital City Bank Group (NASDAQ:CCBG) has reported steady financial performance over the past four years, with gradual improvements in key income statement and cash flow metrics, supported by stable balance sheet growth. Here's a detailed analysis based on quarterly data from Q3 2022 through Q4 2024:

  • Net Interest Income Growth: The net interest income has increased from around $33.4 million in Q3 2022 to over $41.1 million in Q4 2024, reflecting improved earnings from lending and investment activities.
  • Consistent Net Income Growth: Net income attributable to common shareholders showed growth from roughly $9.6 million in Q3 2022 to about $13.0 million in Q4 2024, indicating ongoing profitability improvements.
  • Stable Earnings Per Share (EPS): Basic and diluted EPS have generally risen over the years to approximately $0.77–$0.78 in recent quarters, improving from $0.56–$0.57 in 2022, supported by controlled share counts.
  • Robust Operating Cash Flow: Net cash from operating activities has remained positive, with notable quarterly inflows such as $13.1 million in Q3 2024 and $11.2 million in Q4 2024, supporting business operations and liquidity.
  • Deposit Growth: The bank shows significant increases in deposits, with net change in deposits positive in recent quarters (e.g., +$92.9 million in Q4 2024), reflecting strong customer inflows and balance sheet expansion.
  • Provision for Credit Losses Fluctuations: Provisions varied with increases in some quarters (up to $2.0 million in Q4 2023 from $0.7 million in Q4 2024), which affects earnings but suggests prudent risk management.
  • Investment Securities Activity: The bank continues active investment in securities with large purchases and sales each quarter, impacting investing cash flows but helping manage interest income.
  • Dividend Stability: Dividends per share have increased slightly from $0.17 in early 2022 to $0.23 by late 2024, providing consistent shareholder returns without overleveraging cash flow.
  • Increasing Non-Interest Expense: Salaries, employee benefits, and other operating expenses have risen moderately ($23.0 million in Q3 2022 to $26.1 million in Q4 2024), pressuring net income margins.
  • Rising Interest Expense: Interest expense on deposits and borrowings increased over the years (from $5.1 million in Q3 2022 to $8.6 million in Q4 2024), possibly due to higher interest rate environment, which compresses net interest margin.

Summary: Capital City Bank Group has demonstrated steady profitability growth with stable earnings per share and a robust operating cash flow supporting its operations. Deposit growth and disciplined credit loss provisions indicate solid fundamentals, while rising expenses and interest rates pose challenges. Overall, the bank maintains a healthy balance sheet with increasing shareholder equity, suggesting resilience and capacity for continued growth.

10/07/25 05:13 PM ETAI Generated. May Contain Errors.

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's 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 10/7/2025 by MarketBeat.com Staff
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