Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking services to individual and corporate clients. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. It also provides commercial and residential real estate lending products, as well as fixed and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans. In addition, the company offers institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Further, it provides consumer banking services comprising checking accounts, savings programs, interactive/automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and online and mobile banking services. Additionally, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and various retail investment products, such as the U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care, as well as business, estate, financial, insurance and business planning, tax planning, and asset protection advisory services. Further, the company offers mortgage banking. Capital City Bank Group, Inc. was founded in 1895 and is headquartered in Tallahassee, Florida.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $244M | - | $62M | $80M | 11.1% | 7.9% | 16.3% |
| 2024 | $227M | - | $53M | $55M | 10.7% | 1.3% | 1.3% |
| 2023 | $224M | - | $52M | $48M | 11.7% | 15.5% | 56.4% |
| 2022 | $194M | - | $33M | $86M | 8.4% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 193.67 | 223.61 | 226.50 | 244.42 |
| Operating Revenue | - | 193.67 | 223.61 | 226.50 | 244.42 |
| Selling General And Administration | - | 96.41 | 100.04 | 105.29 | 108.32 |
| Interest Income | - | 131.91 | 181.07 | 194.66 | 204.39 |
| Interest Expense | - | 6.89 | 22.08 | 35.72 | 32.74 |
| Net Interest Income | - | 125.02 | 158.99 | 158.94 | 171.65 |
| Pretax Income | - | 41.08 | 63.86 | 65.57 | 81.72 |
| Tax Provision | - | 7.80 | 13.04 | 13.92 | 20.16 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 33.28 | 50.82 | 51.64 | 61.56 |
| Net Income From Continuing And Discontinued Operation | - | 33.41 | 52.26 | 52.92 | 61.56 |
| Net Income From Continuing Operation Net Minority Interest | - | 33.41 | 52.26 | 52.92 | 61.56 |
| Net Income | - | 33.41 | 52.26 | 52.92 | 61.56 |
| Net Income Common Stockholders | - | 33.41 | 52.26 | 52.92 | 61.56 |
| Net Income Including Noncontrolling Interests | - | 33.28 | 50.82 | 51.64 | 61.56 |
| Normalized Income | - | 33.41 | 52.26 | 52.92 | 61.56 |
| Diluted NI Availto Com Stockholders | - | 33.41 | 52.26 | 52.92 | 61.56 |
| Basic Average Shares | - | 16.95 | 16.99 | 16.94 | 17.06 |
| Diluted Average Shares | - | 16.98 | 17.02 | 16.97 | 17.10 |
| Reconciled Depreciation | - | 7.76 | 8.08 | 7.83 | 7.52 |
| Total Unusual Items | -3.07 | - | - | - | - |
| Total Unusual Items Excluding Goodwill | -3.07 | - | - | - | - |
| Minority Interests | - | 0.14 | 1.44 | 1.27 | 0 |
| Special Income Charges | -3.07 | - | - | - | - |
| Other Special Charges | 3.07 | - | - | - | - |
| General And Administrative Expense | - | 93.21 | 96.69 | 102.18 | 105.13 |
| Other Gand A | 2.98 | - | - | - | - |
| Salaries And Wages | - | 90.80 | 93.57 | 99.05 | 102.14 |
| Insurance And Claims | - | 2.41 | 3.12 | 3.14 | 2.99 |
| Selling And Marketing Expense | - | 3.21 | 3.35 | 3.11 | 3.19 |
| Occupancy And Equipment | - | 24.57 | 27.66 | 27.98 | 27.95 |
| Professional Expense And Contract Services Expense | - | 6.85 | 7.97 | 8.04 | 7.68 |
| Other Non Interest Expense | - | 17.26 | 14.37 | 15.59 | 13.49 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Capital City Bank Group, Inc.this co. | CCBG | $757M | 12.29β premium | 1.37 | 11.1% | - |
| Great Southern Bancorp, Inc. | GSBC | $789M | 11.12 | 1.24 | 11.2% | - |
| South Plains Financial, Inc. | SPFI | $786M | 13.45 | 1.59 | 11.8% | - |
| Peapack-Gladstone Financial Corporation | PGC | $778M | 20.84 | 1.18 | 5.7% | - |
| Southern Missouri Bancorp, Inc. |
| - |
| - |
| - |
| - |
| - |
| - |
| SMBC |
| $760M |
| 12.98 |
| 1.40 |
| 10.8% |
| - |
| World Acceptance Corporation | WRLD | $755M | 8.41 | 1.72 | 20.4% | - |
| Orrstown Financial Services, Inc. | ORRF | $736M | 9.11 | 1.24 | 13.7% | - |
| Navient Corporation | NAVI | $730M | - | 0.30 | -3.3% | - |
| Green Dot Corporation | GDOT | $726M | -7.34 | 0.82 | -11.1% | -5.47 |
| Peer Median | - | 11.12 | 1.24 | 11.0% | -5.47 | |