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% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 193.67 | 223.61 | 226.50 | 244.42 |
| Pretax Income | 41.08 | 63.86 | 65.57 | 81.72 |
| Tax Provision | 7.80 | 13.04 | 13.92 | 20.16 |
| Net Income | 33.41 | 52.26 | 52.91 | 61.56 |
| Net Income Common Stockholders | 33.41 | 52.26 | 52.91 | 61.56 |
| Interest Expense | 6.89 | 22.08 | 35.72 | 32.74 |
| Interest Income | 131.91 | 181.07 | 194.66 | 204.39 |
| Selling General And Administration | 96.41 | 100.04 | 105.29 | 108.32 |
| Normalized Income | 33.41 | 52.26 | 52.91 | 61.56 |
| Basic EPS | 1.97 | 3.08 | 3.12 | 3.61 |
| Diluted EPS | 1.97 | 3.07 | 3.12 | 3.60 |
| Tax Effect Of Unusual Items | 0 | 0 | 0 | 0 |
| Tax Rate For Calcs | 0.19 | 0.20 | 0.21 | 0.25 |
| Total Unusual Items | 0 | 0 | 0 | 0 |
| Total Unusual Items Excluding Goodwill | 0 | 0 | 0 | 0 |
| Net Income From Continuing Operation Net Minority Interest | 33.41 | 52.26 | 52.91 | 61.56 |
| Reconciled Depreciation | 7.76 | 8.08 | 7.83 | 7.52 |
| Net Interest Income | 125.02 | 158.99 | 158.94 | 171.65 |
| Net Income From Continuing And Discontinued Operation | 33.41 | 52.26 | 52.91 | 61.56 |
| Diluted Average Shares | 16.98 | 17.02 | 16.97 | 17.10 |
| Basic Average Shares | 16.95 | 16.99 | 16.94 | 17.07 |
| Diluted NI Availto Com Stockholders | 33.41 | 52.26 | 52.91 | 61.56 |
| Minority Interests | 0.14 | 1.44 | 1.27 | 0 |
| Net Income Including Noncontrolling Interests | 33.28 | 50.82 | 51.64 | 61.56 |
| Net Income Continuous Operations | 33.28 | 50.82 | 51.64 | 61.56 |
| Special Income Charges | 0 | 0 | 0 | 0 |
| Other Special Charges | 0 | 0 | 0 | 0 |
| Selling And Marketing Expense | 3.21 | 3.35 | 3.11 | 3.19 |
| General And Administrative Expense | 93.21 | 96.69 | 102.18 | 105.13 |
| Other Gand A | 0 | 0 | 0 | 0 |
| Insurance And Claims | 2.41 | 3.12 | 3.14 | 2.99 |
| Salaries And Wages | 90.80 | 93.57 | 99.05 | 102.14 |
| Operating Revenue | 193.67 | 223.61 | 226.50 | 244.42 |
| 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 | $788M | 13.05β premium | 1.41 | 11.1% | - |
| Root, Inc. | ROOT | $821M | 21.99 | 2.83 | 14.2% | 6.98 |
| World Acceptance Corporation | WRLD | $816M | 8.50 | 1.73 | 20.4% | - |
| Camden National Corporation | CAC | $811M | 10.21 | 1.17 | 9.4% | - |
| First Community Bankshares, Inc. | FCBC |
| $804M |
| 16.14 |
| 1.56 |
| 9.7% |
| - |
| OppFi Inc. | OPFI | $785M | 9.28 | 4.29 | 8.5% | - |
| Bowhead Specialty Holdings Inc. | BOW | $784M | 15.01 | 1.74 | 12.0% | 9.66 |
| First Financial Corporation | THFF | $772M | 9.55 | 1.19 | 12.2% | - |
| Velocity Financial, Inc. | VEL | $752M | 6.97 | 1.11 | 15.5% | - |
| Peer Median | - | 9.88 | 1.65 | 12.1% | 8.32 | |