Capital City Bank Group, Inc. (CCBG) Income Statement
CCBG 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCCBG revenue and net income
Where CCBG's revenue goes
2025Each bar shows an amount and its share of revenue. CCBG kept 22.0% of revenue as net income.
CCBG profit margins
CCBG growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +6.5% | +11.7% | +5.7% | +7.6% |
| Gross profit | +9.4% | +9.3% | +4.3% | +6.6% |
| Operating income | +27.7% | +26.8% | +9.6% | +20.0% |
| Net income | +16.3% | +22.6% | +14.3% | +21.0% |
| EPS (diluted) | +15.4% | +15.8% | +13.9% | +21.1% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CCBG quarterly EPS vs estimates
Capital City Bank beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: October 20, 2026 (estimate $0.95).
CCBG income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $279.3M | $262.2M | $245.7M | $200.6M | $207.3M | $211.5M | $160.1M | $145.0M | $132.4M | $128.4M |
| Cost of revenue | $36.0M | $39.8M | $31.8M | $14.4M | $1.9M | $14.5M | $11.5M | $9.8M | $6.2M | $4.0M |
| Gross profit | $243.3M | $222.5M | $213.9M | $186.2M | $205.4M | $197.0M | $148.6M | $135.2M | $126.3M | $124.4M |
| Research & development | — | — | — | — | — | — | — | $0 | — | $0 |
| Sales, general & admin | $116.3M | $105.3M | $100.0M | $96.4M | $111.2M | $100.7M | $71.1M | $69.0M | $68.2M | $68.7M |
| Total operating expenses | $159.6M | $156.9M | $150.0M | $145.1M | $155.9M | $144.1M | $107.8M | $105.5M | $103.2M | $106.7M |
| Operating income | $83.7M | $65.6M | $63.9M | $41.1M | $49.5M | $52.9M | $40.8M | $29.6M | $23.1M | $17.6M |
| Interest income | $204.4M | $194.7M | $175.5M | $131.3M | $106.4M | $106.2M | $112.8M | $99.4M | $86.9M | $81.2M |
| Interest expense | $32.7M | $35.7M | $22.1M | $6.9M | $3.5M | $4.9M | $9.5M | $6.9M | $3.9M | $3.2M |
| Income before taxes | $81.7M | $65.6M | $63.9M | $41.1M | $49.5M | $52.9M | $40.8M | $29.6M | $23.1M | $17.6M |
| Income taxes | $20.2M | $13.9M | $13.0M | $7.8M | $9.8M | $10.2M | $10.0M | $3.4M | $12.2M | $5.9M |
| Net income | $61.6M | $52.9M | $52.3M | $33.4M | $33.4M | $31.6M | $30.8M | $26.2M | $10.9M | $11.7M |
| EBITDA | $91.2M | $73.4M | $71.9M | $48.8M | $57.2M | $60.1M | $47.0M | $36.1M | $29.6M | $24.6M |
| EPS (diluted) | $3.60 | $3.12 | $3.25 | $2.32 | $2.12 | $1.88 | $1.83 | $1.26 | $0.88 | $0.69 |
| Gross margin | 87.1% | 84.8% | 87.1% | 92.8% | 99.1% | 93.1% | 92.8% | 93.2% | 95.3% | 96.9% |
| Operating margin | 30.0% | 25.0% | 26.0% | 20.5% | 23.9% | 25.0% | 25.5% | 20.4% | 17.4% | 13.7% |
| Net margin | 22.0% | 20.2% | 21.3% | 16.7% | 16.1% | 14.9% | 19.2% | 18.1% | 8.2% | 9.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $72.4M | $62.8M | $71.8M | $71.3M | $69.0M | $67.2M | $66.1M | $66.6M | $66.4M | $55.5M | $61.8M | $60.6M |
| Cost of revenue | $8.6M | $712,000 | $8.4M | $9.8M | $8.9M | $9.0M | $9.3M | $10.3M | $10.7M | $0 | $9.0M | $8.9M |
| Gross profit | $63.9M | $62.0M | $63.5M | $61.5M | $60.1M | $58.2M | $56.8M | $56.3M | $55.7M | $55.5M | $52.8M | $51.7M |
| Sales, general & admin | $33.2M | $15.7M | $28.4M | $26.6M | $34.4M | $26.9M | $27.2M | $26.8M | $25.6M | $25.7M | $25.3M | $30.7M |
| Total operating expenses | $42.6M | $41.4M | $42.9M | $40.4M | $40.0M | $36.2M | $39.4M | $40.7M | $38.5M | $40.2M | $38.5M | $37.2M |
| Operating income | $21.2M | $20.7M | $20.6M | $21.1M | $20.0M | $22.0M | $17.4M | $15.6M | $17.2M | $15.4M | $14.3M | $14.5M |
| Interest income | $51.8M | $51.0M | $51.7M | $51.4M | $51.5M | $49.8M | $49.7M | $49.3M | $48.8M | $46.8M | $46.2M | $45.6M |
| Interest expense | $7.6M | $8.2M | $8.4M | $7.9M | $8.3M | $8.2M | $8.6M | $9.1M | $9.5M | $8.5M | $7.0M | $6.5M |
| Income before taxes | $21.2M | $20.7M | $18.6M | $21.1M | $20.0M | $22.0M | $17.4M | $15.6M | $17.2M | $15.4M | $14.3M | $14.5M |
| Income taxes | $5.0M | $4.8M | $4.9M | $5.1M | $5.0M | $5.1M | $4.2M | $3.0M | $3.2M | $3.5M | $2.9M | $3.0M |
| Net income | $16.3M | $15.8M | $13.7M | $15.9M | $15.0M | $16.9M | $13.1M | $13.1M | $14.2M | $12.6M | $11.7M | $12.7M |
| EBITDA | $23.1M | $22.5M | $20.6M | $23.0M | $21.9M | $23.8M | $19.3M | $17.3M | $19.3M | $732,000 | $16.4M | $16.5M |
| EPS (diluted) | $0.95 | $0.92 | $0.80 | $0.93 | $0.88 | $0.99 | $0.77 | $0.78 | $0.83 | $0.74 | $0.70 | $0.81 |
| Gross margin | 88.2% | 98.9% | 88.4% | 86.3% | 87.1% | 86.6% | 85.9% | 84.5% | 83.9% | 100.0% | 85.4% | 85.4% |
| Operating margin | 29.3% | 32.9% | 28.7% | 29.6% | 29.1% | 32.7% | 26.3% | 23.4% | 25.9% | 27.7% | 23.2% | 23.9% |
| Net margin | 22.5% | 25.2% | 19.1% | 22.4% | 21.8% | 25.1% | 19.8% | 19.7% | 21.3% | 22.6% | 18.9% | 20.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CCBG's financial statements (latest annual report filed February 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CCBG financial results
In fiscal year 2025 (ended December 31, 2025), Capital City Bank reported revenue of $279.3 million, up 6.5% from the year before. It had net income of $61.6 million (up 16.3%), a net profit margin of 22.0%. Diluted earnings per share came to $3.60. Over five years revenue grew at an average rate of 5.7% a year.
See the CCBG stock overview for the latest quote and news, or the CCBG chart for price history and technical indicators.
CCBG income statement FAQ
What is Capital City Bank's annual revenue?
Capital City Bank reported total revenue of $279.3 million for fiscal year 2025, which ended on December 31, 2025. That was up 6.5% from $262.2 million the previous year.
Is Capital City Bank profitable?
Yes. Capital City Bank reported net income of $61.6 million in fiscal 2025, a net profit margin of 22.0%; its operating margin was 30.0%.
What is Capital City Bank's gross margin?
Capital City Bank's gross margin was 87.1% in fiscal 2025: for every $100 of revenue, Capital City Bank kept $87 after the direct cost of its products and services.
How fast is Capital City Bank growing?
Revenue grew 5.7% a year on average over the last five fiscal years, from $211.5 million to $279.3 million.
What are Capital City Bank's earnings per share?
Capital City Bank earned $3.60 per diluted share in fiscal 2025, compared with $3.12 a year earlier.
When will Capital City Bank report its next earnings?
Capital City Bank is expected to report results for the quarter ending September 30, 2026 on October 20, 2026 before the market opens.
When does Capital City Bank's fiscal year end?
Capital City Bank's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 27, 2026.