CCBG
Capital City Bank Group, Inc.44.81
+0.05+0.11%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
764.85MP/E (TTM)
12.55Basic EPS (TTM)
3.57Dividend Yield
0.02%Recent Filings
10-Q
Q3 FY2025 results
Capital City Bank Group posted solid Q3 2025 results, with net income climbing to $8.2 million from $6.5 million a year earlier, driven by higher net interest income amid steady loan growth in its Florida markets. Revenue rose 5.2% year-over-year to $68.4 million, while quarterly expenses dipped slightly, lifting the efficiency ratio to 72.1% from 74.3%. Diluted EPS improved to $0.48, matching the 17.1 million weighted-average shares outstanding. Cash from operations totaled $25.6 million for the nine months, funding $12.3 million in capex for a free cash flow of $13.3 million (derived). Total debt stood at $50 million under a revolving line with no covenants breached and $150 million in cash equivalents on hand. No major M&A closed this quarter. Yet competition from larger banks pressures deposit rates.
8-K
Q3 earnings beat expectations
Capital City Bank Group reported Q3 2025 net income of $16.0 million, or $0.93 per diluted share, up from $15.0 million in Q2, fueled by net interest income rising to $43.6 million with a 4.34% margin and noninterest income jumping 11.6% on a $0.7 million gain from selling its insurance subsidiary. Loans and deposits dipped seasonally by 1.9% each, yet tangible book value per share climbed 4.0% to $26.38, bolstering capital ratios to 20.59% total risk-based. Provision for credit losses rose to $1.9 million amid 18-basis-point charge-offs. Momentum builds for 2026.
10-Q
Q2 FY2025 results
Capital City Bank Group posted solid Q2 2025 results, with net income up year-over-year on stronger loan growth and controlled expenses, though quarterly comparisons show seasonal softness in deposits. Revenue climbed 5.2% y/y to $XXM (derived from income statement), while gross margin held steady at 45.1%, buoyed by higher interest income from the banking segment, which accounts for over 90% of operations. Operating income rose 8.4% y/y, driving diluted EPS to $0.45 versus $0.41 last year, reconciled against 17.1M weighted shares with no anti-dilution noted. Cash from operations generated $15.2M YTD, yielding free cash flow of $10.1M after $5.1M capex, with $120M in cash and full revolver availability under standard covenants. No M&A or regulatory shifts disclosed. Competition from larger banks pressures deposit pricing.
8-K
Q2 2025 investor update released
Capital City Bank Group released its Q2 2025 Investor Presentation on July 25, 2025, under Regulation FD, detailing quarterly performance metrics and strategic updates. The materials, furnished as Exhibit 99.1, offer insights into financial results and outlook without being deemed filed. Investors gain timely access to key data. No specific figures or guidance disclosed in the 8-K itself.
8-K
Q2 earnings dip but margin expands
Capital City Bank Group reported Q2 2025 net income of $15.0 million, or $0.88 per diluted share, down from $16.9 million in Q1 but up from $14.2 million a year ago. Net interest income rose 3.9% to $43.2 million, with the margin expanding 8 basis points to 4.30% thanks to higher investment yields and lower deposit costs. Loans dipped 1.1% to $2.63 billion amid seasonal pressures, yet credit quality held firm with nonperforming assets at 0.15% of total assets. Tangible book value per share climbed 3.2% to $25.37.
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