CCBGNasdaqState Commercial BanksFiscal year ends December 31
CAPITAL CITY BANK GROUP INC
Financials through Q1 FY2026, quarter ended Mar 31, 2026Last filing: 10-Q on Jul 29, 2026
$48.63−0.45 (-0.92%)
Close on Oct 19, 2026
- Market cap
- $833.81K
- P/E (TTM)
- 13.8
- Dividend yield
- 2.06%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
24.2%+9.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +8.1% | +8.3% | +3.6% | +6.9% | |
| Net income | +16.3% | +22.6% | +14.3% | +21.0% | |
| EPS, diluted | +15.4% | +22.3% | +13.9% | +21.1% | |
| Free cash flow | +45.8% | -2.5% | – | +10.7% | |
| Dividend per share | +13.6% | +14.9% | +11.9% | +22.6% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 4.3% | 9.7% | 11.7% | |
| Return on assets | 0.4% | 0.9% | 1.4% | |
| Capex to revenue | 3.4% | 4.6% | 3.0% | |
| Diluted shares | 17M | 17M | 17M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Capital City Bank generated $420.83M from operations and spent $107.40M on capital expenditure, dividends and share buybacks. 32% of that went back into the business.
Generated
$420.83M
Used
$107.40M
Capital expenditure$34.84M32%Dividends$66.52M62%Share buybacks$6.04M6%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin24.2%
×Asset turnover0.06×
×Equity multiplier8.31×
=Return on equity, FY202511.7%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 24.2% | 0.06× | 8.31× | 11.7% |
| FY2024 | 22.5% | 0.05× | 9.22× | 11.3% |
| FY2023 | 22.7% | 0.05× | 10.66× | 12.6% |
| FY2022 | 16.7% | 0.05× | 11.40× | 8.7% |
| FY2021 | 15.9% | 0.05× | 11.45× | 9.5% |
| FY2020 | 14.9% | 0.06× | 10.63× | 9.7% |
| FY2019 | 19.7% | 0.05× | 9.61× | 9.8% |
| FY2018 | 18.2% | 0.05× | 9.98× | 8.9% |
| FY2017 | 8.1% | 0.05× | 10.27× | 3.9% |
| FY2016 | 8.9% | 0.05× | 10.27× | 4.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$61.56M
- Cash generatingOperating cash flow above zero$87.61M
- Return on assets improvedROA up on the prior year1.2% → 1.4%
- Earnings backed by cashOperating cash flow above net income$87.61M vs $61.56M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise17M → 17M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.05 → 0.06