CAPITAL CITY BANK GROUP INC CCBG

Latest FY: 2025 Financial Services Banks - Regional
Market Price $52.61
Market Cap $896.63M
P/E Ratio 14.61
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑8.1% YoY
$254.00M
3-Yr CAGR: 8.3%
Net Income ↑16.3% YoY
$61.56M
Net Margin: 24.2%
Free Cash Flow ↑45.8% YoY
$80.03M
FCF Yield: 8.93%
EPS (Diluted) ↑15.4% YoY
$3.60
Basic: $3.61
Return on Equity Efficiency
11.1%
ROA: 1.4%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (CCBG)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $131.6M $128.5M $11.7M $0.69 $22.6M $18.2M
FY 2017 $134.7M +2.3% $130.8M $10.9M -7.5% $0.64 -7.2% $38.8M $34.8M +91.4%
FY 2018 $144.1M +6.9% $137.2M $26.2M +141.4% $1.54 +140.6% $34.6M $33.2M -4.6%
FY 2019 $156.4M +8.6% $146.9M $30.8M +17.5% $1.83 +18.8% $53.7M $49.9M +50.5%
FY 2020 $212.5M +35.9% $207.6M $31.6M +2.5% $1.88 +2.7% $-48.6M $-58.3M -216.9%
FY 2021 $210.4M -1.0% $206.9M $33.4M +5.8% $1.98 +5.3% $115.9M $110.7M +289.8%
FY 2022 $200.2M -4.8% $193.3M $33.4M +0.0% $1.97 -0.5% $82.5M $76.2M -31.2%
FY 2023 $230.6M +15.2% $208.5M $52.3M +56.4% $3.07 +55.8% $54.8M $47.7M -37.3%
FY 2024 $234.9M +1.9% $199.2M $52.9M +1.3% $3.12 +1.6% $63.6M $54.9M +15.0%
FY 2025 $254.0M +8.1% $221.3M $61.6M +16.3% $3.60 +15.4% $87.6M $80.0M +45.8%
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Valuation

Market Price $52.61
Market Cap $896.63M
Enterprise Value N/A
P/E Ratio 14.61
P/B Ratio 1.63
FCF Yield 8.93%
Dividend Yield N/A
Shares Outstanding 17,101,400
%

Profitability & Margins

Gross Margin 87.11%
Operating Margin 32.17%
Net Margin 24.23%
Return on Equity (ROE) 11.13%
Return on Assets (ROA) 1.40%
Asset Turnover 0.06x
Revenue 3-Yr CAGR 8.26%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.001
Debt / Assets 0.000
Cash & Equivalents N/A
Total Debt $680.00K
Book Value / Share $32.33
💧

Cash Flow Efficiency

Operating Cash Flow $87.61M
Capital Expenditures (CapEx) $7.59M
Free Cash Flow $80.03M
OCF / Revenue 34.49%
FCF / Revenue 31.51%
FCF 3-Yr CAGR 1.65%
🏷️

Per Share Metrics

EPS (Diluted) $3.60
EPS (Basic) $3.61
Dividends / Share N/A
Book Value / Share $32.33
EPS YoY Growth 15.38%
🏛️

Balance Sheet (FY 2025)

Total Assets $4.39B
Total Liabilities $3.83B
Stockholders' Equity $552.85M
Current Assets N/A
Current Liabilities N/A