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Capital City Bank Group

CCBG

Capital City Bank Group Inc is a financial holding company that provides a comprehensive suite of commercial and retail banking, mortgage, and wealth management services.

Market cap
$897.76M+35.0%
Revenue$256.9M+5.2%
Net income$61.7M+6.3%
Free cash flow$51.9M-25.7%
EPS (diluted)$3.60+5.6%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 20, 2026 (in 2 months)
Revenue estimate$65.5M
EPS estimate$0.95

Financials

Q2 2026

Income statement

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Revenue$64.8M+2.5%
Net income$16.3M+8.2%
EPS (diluted)$0.95+8.0%

Balance sheet

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Cash & equivalents$479.7M+1.3%
Total debt$73.8M+16.5%
Total equity$570.1M+8.3%
Total assets$4.5B+1.3%

Cash flow

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Operating cash flow$12.8M-60.9%
CapEx$5.3M+189%
Free cash flow$7.5M-75.8%

Valuation & ratios

Valuation

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Market cap$897.76M+35.0%
Enterprise value$491.88M+93.5%
P/E14.5×+3.1×
P/S3.5×+0.8×

Profitability

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Net margin24%+0.2pp
FCF margin20.2%-8.4pp

Returns & leverage

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Return on equity11.3%-0.5pp
Debt / equity0.1×0.0×

Segments

By product

See full
Deposit Account$5.7M+6.3%
Mortgage Banking$4.7M+11.2%
Investment Advisory Management And Administrative Service$4.2M-19.6%
Credit And Debit Card$3.9M+2.2%

Competitors

Profile

Capital City Bank Group Inc is a financial holding company that provides a comprehensive suite of commercial and retail banking, mortgage, and wealth management services. The company operates through an extensive network of banking offices and mortgage centers across Florida, Georgia, and Alabama, focusing on relationship-based community banking. Its core value proposition centers on local market expertise and personalized financial advisory services for individuals and businesses.

Competitive position

A leading community-focused financial institution in the Southeast with a significant market share in North Florida and South Georgia.

GeographiesFlorida, Georgia, Alabama, United States
Customer segmentsRetail, Commercial, Governmental, Institutional
Business modelInterest Income, Fee-based Services, Asset Management Fees
SuppliersFederal Reserve System, Depositors, Technology Service Providers, Credit Bureaus
CustomersHomebuyers, Commercial Property Developers, Small Business Owners, Municipalities, Private Wealth Clients
Listed1997
Employees796.0
CEOWilliam Godfrey Smith Jr.
Websiteccbg.com
FilingsSEC EDGAR

FAQ

What is Capital City Bank Group's market cap?
Capital City Bank Group (CCBG) has a market capitalization of $897.8M and trades on NASDAQ.
What is Capital City Bank Group's revenue and profitability?
Capital City Bank Group generated $256.9M in trailing twelve-month revenue with net income of $61.7M, representing a net margin of 24.0%, with free cash flow of $51.9M. These figures are based on the Q2 2026 filing.
Who are Capital City Bank Group's competitors?
Capital City Bank Group's key competitors include SunTrust Banks, Regions Financial Corporation, Bank of America, and others. These companies compete in similar markets and product categories.
Who does Capital City Bank Group partner with?
Capital City Bank Group's notable partners include Elavon, Inc., ELAN, LPL Financial, and others.
What subsidiaries does Capital City Bank Group have?
Capital City Bank Group's subsidiaries include Capital City Bank, Capital City Home Loans, LLC, Capital City Trust Company, and others.
Where is Capital City Bank Group headquartered?
Capital City Bank Group is headquartered in United States of America and employs approximately 796 people. It has been publicly traded since 1997.