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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Capital City Bank Group is a regional bank holding company offering retail and commercial banking, mortgage, wealth management and treasury services across the southeastern United States. Long-term growth may be supported by loan and deposit expansion, net interest income improvement, fee diversification and selective acquisitions, which could appeal to investors seeking steady regional exposure.
Key risks include sensitivity to interest-rate cycles and margin compression, credit deterioration from commercial real estate or regional economic weakness, deposit competition and regulatory or execution risks related to growth.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 81.72M | 65.57M | 63.86M | 50.10M | 49.45M |
| Minority interest | 0.00M | 1.27M | 2.15M | -0.14M | 6.22M |
| Net income | 61.56M | 52.91M | 52.26M | 40.15M | 33.40M |
| Selling general administrative | 113.99M | 102.18M | 96.69M | 99.91M | 105.48M |
| Selling and marketing expenses | 2.35M | 3.11M | 3.35M | 3.21M | 2.68M |
| Gross profit | 243.30M | 222.47M | 213.90M | 212.55M | 203.84M |
| Reconciled depreciation | 7.52M | 7.83M | 7.99M | 7.76M | 7.71M |
| Ebit | 83.71M | 65.57M | 63.86M | 57.12M | 43.23M |
| Ebitda | 89.37M | 73.40M | 71.94M | 64.88M | 50.95M |
| Depreciation and amortization | 5.66M | 7.83M | 8.08M | 7.76M | 7.71M |
| Operating income | 83.71M | 65.57M | 63.86M | 57.12M | 43.23M |
| Other operating expenses | 195.59M | 196.65M | 181.83M | -155.43M | -160.61M |
| Interest expense | 32.74M | 35.72M | 22.08M | 6.89M | 3.49M |
| Tax provision | 20.16M | 13.92M | 14.32M | 10.09M | 9.84M |
| Interest income | 204.39M | 194.66M | 175.54M | 131.35M | 106.35M |
| Net interest income | 171.65M | 158.94M | 157.35M | 124.46M | 102.86M |
| Income tax expense | 20.16M | 13.92M | 13.04M | 10.09M | 9.84M |
| Total revenue | 279.31M | 262.22M | 245.69M | 212.55M | 203.84M |
| Total operating expenses | 159.59M | 156.90M | 150.04M | -155.43M | -160.61M |
| Cost of revenue | 36.01M | 39.75M | 31.79M | - | - |
| Total other income expense net | -2.00M | 66.87M | -23.31M | -7.02M | 6.22M |
| Net income from continuing ops | 61.56M | 51.64M | 54.73M | 40.01M | 39.62M |
| Net income applicable to common shares | - | - | - | 40.15M | 33.40M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 4385.77M | 4324.93M | 4304.48M | 4525.96M | 4263.85M |
| Intangible assets | - | 0.97M | 92.93M | 93.09M | 93.25M |
| Other current assets | -9.80M | 322.17M | 322.17M | 62.63M | 2372.19M |
| Total liab | 3832.91M | 3829.61M | 3856.45M | 4131.94M | 3880.68M |
| Total stockholder equity | 552.85M | 495.32M | 448.03M | 394.02M | 383.17M |
| Other current liab | 2964.89M | 3671.98M | 3137.12M | -56.79M | -34.56M |
| Common stock | 0.17M | 0.17M | 0.17M | 0.17M | 0.17M |
| Capital stock | 0.17M | 0.17M | 0.17M | 0.17M | 0.17M |
| Retained earnings | 508.44M | 463.95M | 426.27M | 393.74M | 364.79M |
| Other liab | - | - | - | 59.77M | 79.49M |
| Good will | 89.09M | 91.80M | 91.89M | - | - |
| Other assets | 3853.86M | 4324.93M | 0.00M | 2791.27M | 2372.19M |
| Cash | 62.19M | 70.54M | 83.12M | 72.11M | 65.31M |
| Total current liabilities | 50.09M | 3700.28M | 3175.79M | 56.79M | 34.56M |
| Net debt | 31.16M | 11.44M | 32.82M | 38.08M | 23.02M |
| Short term debt | 50.09M | 28.30M | 38.67M | 56.79M | 34.56M |
| Short long term debt | 28.07M | 2.06M | 8.38M | 56.79M | 34.56M |
| Short long term debt total | 93.35M | 81.98M | 115.93M | 110.19M | 88.33M |
| Other stockholder equity | 41.65M | 37.68M | 36.33M | 37.33M | 34.42M |
| Property plant equipment | - | - | - | 82.14M | 83.41M |
| Total current assets | 62.19M | 496.46M | 322.17M | 485.41M | 719.92M |
| Long term investments | 1023.44M | 972.90M | 966.37M | 2555.08M | 1962.39M |
| Net tangible assets | - | - | - | 309.68M | 301.67M |
| Short term investments | 415.63M | 425.92M | 337.90M | 413.29M | 654.61M |
| Net receivables | 9.80M | - | - | - | - |
| Long term debt | 43.26M | 53.68M | 53.19M | 53.40M | 53.77M |
| Inventory | - | - | - | 0.43M | 0.02M |
| Accounts payable | - | - | - | 3939.32M | 3712.86M |
| Accumulated other comprehensive income | 2.59M | -6.49M | -14.74M | -37.23M | -16.21M |
| Common stock total equity | - | - | - | 0.17M | 0.17M |
| Retained earnings total equity | - | - | - | 393.74M | 364.79M |
| Non currrent assets other | 125.06M | 455.79M | 70.93M | -1249.28M | -1171.74M |
| Non current assets total | 4323.58M | 3828.47M | 3982.31M | 1249.28M | 1171.74M |
| Long term debt total | - | - | - | 53.40M | 53.77M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -38.07M | 68.35M | -200.30M | -732.65M | -449.69M |
| Change to liabilities | - | - | - | 8.84M | -7.85M |
| Total cashflows from investing activities | 64.41M | 68.35M | -68.54M | -733.70M | -447.72M |
| Net borrowings | 11.48M | -6.56M | -21.65M | 21.86M | -47.27M |
| Total cash from financing activities | -13.90M | -52.14M | -274.82M | 238.43M | 438.60M |
| Change to operating activities | - | - | - | 0.09M | 2.87M |
| Net income | 61.56M | 52.91M | 52.26M | 40.15M | 33.40M |
| Change in cash | 138.12M | 79.79M | -288.58M | -434.70M | 106.81M |
| Begin period cash flow | 391.85M | 312.07M | 600.65M | 1035.35M | 928.55M |
| End period cash flow | 529.97M | 391.85M | 312.07M | 600.65M | 1035.35M |
| Total cash from operating activities | 87.61M | 63.57M | 54.78M | 60.56M | 115.92M |
| Depreciation | 7.52M | 7.83M | 8.08M | 7.76M | 7.71M |
| Other cashflows from investing activities | 100.35M | 81.32M | -178.07M | 5.27M | 7.16M |
| Dividends paid | 17.06M | 14.91M | 12.90M | -11.19M | -10.46M |
| Sale purchase of stock | 0.00M | -2.33M | -3.71M | 1.30M | 1.03M |
| Other cashflows from financing activities | -9.66M | -29.84M | -237.50M | 249.87M | 450.39M |
| Change to netincome | - | - | - | 7.00M | 58.05M |
| Capital expenditures | 7.59M | 8.69M | 7.05M | 6.32M | 5.19M |
| Cash flows other operating | - | - | - | -11.51M | 10.54M |
| Cash and cash equivalents changes | - | - | - | -434.70M | 106.81M |
| Change in working capital | 8.08M | 0.34M | -5.40M | 0.09M | 2.87M |
| Stock based compensation | 2.32M | 1.80M | 1.24M | 1.63M | 0.84M |
| Other non cash items | 17.98M | 1.72M | -0.91M | 12.52M | 75.25M |
| Free cash flow | 80.03M | 54.88M | 47.74M | 54.24M | 110.73M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CCBG Capital City Bank Group |
-0.32 0.63% |
50.86 | 13.10 | 10.04 | 3.17 | 1.41 | 3.44 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.42 1.05% |
227.80 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
1.20 3.58% |
34.75 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
217 North Monroe Street, Tallahassee, FL, United States, 32301
850 402 7821
902
| Name | Title | Year Born |
|---|---|---|
| Mr. William Godfrey Smith Jr. | Chairman, Pres & CEO | 1953 |
| Mr. J. Kimbrough Davis | Exec. VP, CFO & Company Sec. | 1954 |
| Mr. Thomas A. Barron | Treasurer & Director | 1953 |
| Ms. Bethany H. Corum | Chief Operating Officer | NA |
| Ms. Marsha S. Crowle | Director of Compliance | 1962 |
| Ms. Brooke W. Hallock | Chief Brand Officer of Marketing | NA |
| Mr. Edward G. Canup | Chief Revenue Officer | NA |
| Mr. Dale Thompson | Credit Admin. | NA |
| Ms. Sharon Bradley | Chief Diversity Officer | NA |
| Mr. Donald L. James | Pres of Northwest Alachua County | 1960 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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