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Capital City Bank Group CCBG Q4 2025 Annual earnings

Reported January 27, 2026 · Before market open

Revenue$84.7MBeat by $20.1M
EPS$0.80Miss by $0.09
Revenue estimate$64.7M
EPS estimate$0.89

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$63.5M+6.0%
Net income$13.7M+4.7%
EPS (diluted)$0.80+3.9%

Balance sheet

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Cash & equivalents$530.0M+35.2%
Total debt$77.7M+42.2%
Total equity$552.9M+11.6%
Total assets$4.4B+1.4%

Cash flow

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Operating cash flow$11.6M+2.9%
CapEx$1.6M-27.8%
Free cash flow$9.9M+10.5%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$726.62M+17.0%
Enterprise value$274.35M-3.3%
P/E11.8×+0.1×
P/S2.9×+0.2×

Profitability

See full
Net margin24.2%+1.7pp
FCF margin31.5%+8.1pp

Returns & leverage

See full
Return on equity11.7%+0.4pp
Debt / equity0.1×0.0×

Segments

By product

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Deposit Account$5.8M+11.6%
Investment Advisory Management And Administrative Service$4.5M-13.3%
Mortgage Banking$4.2M+33.3%
Credit And Debit Card$3.7M-0.4%

FAQ

When did Capital City Bank Group report Q4 2025 earnings?
Capital City Bank Group (CCBG) reported Q4 2025 earnings on January 27, 2026 before market open.
What were Capital City Bank Group's Q4 2025 revenue and EPS?
Capital City Bank Group reported revenue of $84.7M and eps of $0.80 for Q4 2025.
Did Capital City Bank Group beat estimates in Q4 2025?
Revenue beat the consensus estimate of $64.7M by $20.1M. EPS missed the consensus estimate of $0.89 by $0.09.
How did Capital City Bank Group's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 28.1% from $66.1M a year earlier and eps grew 3.8% from $0.77.
Where can I find Capital City Bank Group's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000726601-26-000002) and the 10-K periodic report (0000726601-26-000007) directly on SEC EDGAR. The filing index links above go to sec.gov.