Capital City Bank Group Inc - Understand $ccbg stock

$CCBG Market Cap: $653.7 Million

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Financial Snapshot

Revenue

$144.9M

TTM

Gross Margin

Net Earnings

$51.55M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$4.225B

Q3 2024

Total Liabilities

$3.742B

Q3 2024

Book Value

$483.3M

Q3 2024

Cash

$345.2M

Q3 2024

P/E

12.68

Nov 14, 2024 EST

Free Cash Flow

$44.46M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Revenue	$181.1M	$131.3M	$106.4M	$106.2M	$112.8M	$99.40M	$86.93M	$81.15M	$79.66M	$78.22M
YoY Change	37.85%	23.5%	0.15%	-5.88%	13.52%	14.34%	7.12%	1.88%	1.84%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue	$181.1M	$131.3M	$106.4M	$106.2M	$112.8M	$99.40M	$86.93M	$81.15M	$79.66M	$78.22M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$8.078M	$7.756M	$7.700M	$7.200M	$6.300M	$6.500M	$6.600M	$7.000M	$6.600M	$6.500M	$6.600M	$7.200M	$7.500M	$9.800M	$10.70M	$12.50M	$12.10M	$12.90M	$11.30M	$9.100M	$8.100M	$8.100M	$8.200M	$6.800M	$6.500M	$4.800M	$4.300M	$3.400M	$2.700M	$2.300M	$2.200M	$2.200M
YoY Change	4.15%	0.73%	6.94%	14.29%	-3.08%	-1.52%	-5.71%	6.06%	1.54%	-1.52%	-8.33%	-4.0%	-23.47%	-8.41%	-14.4%	3.31%	-6.2%	14.16%	24.18%	12.35%	0.0%	-1.22%	20.59%	4.62%	35.42%	11.63%	26.47%	25.93%	17.39%	4.55%	0.0%	10.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Interest Expense	$22.08M	$6.888M	$3.490M	$4.871M	$9.493M	$6.891M	$3.948M	$3.189M	$3.307M	$3.580M
YoY Change	220.56%	97.36%	-28.35%	-48.69%	37.76%	74.54%	23.8%	-3.57%	-7.63%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Pretax Income	$63.86M	$50.10M	$49.50M	$52.88M	$40.76M	$29.65M	$23.07M	$17.61M	$13.58M	$10.91M	$8.000M	-$1.200M	$5.500M	-$3.400M	-$8.800M	$21.90M	$43.40M	$51.20M	$46.90M	$45.30M	$38.80M	$35.80M	$26.00M	$27.60M	$22.70M	$23.50M	$21.60M	$16.40M	$13.40M	$12.20M	$12.00M	$11.50M
YoY Change	27.47%	1.21%	-6.4%	29.74%	37.49%	28.52%	30.96%	29.75%	24.38%	36.43%	-766.67%	-121.82%	-261.76%	-61.36%	-140.18%	-49.54%	-15.23%	9.17%	3.53%	16.75%	8.38%	37.69%	-5.8%	21.59%	-3.4%	8.8%	31.71%	22.39%	9.84%	1.67%	4.35%	17.35%
Income Tax	$13.04M	$10.09M	$9.835M	$10.23M	$9.953M	$3.421M	$12.20M	$5.867M	$4.459M	$1.654M	$1.900M	-$1.300M	$600.0K	-$3.000M	-$5.300M	$6.700M	$13.70M	$17.90M	$16.60M	$15.90M	$13.60M	$12.70M	$9.100M	$9.400M	$7.500M	$8.200M	$7.200M	$5.000M	$3.900M	$3.400M	$3.300M	$3.200M
% Of Pretax Income	20.42%	20.13%	19.87%	19.34%	24.42%	11.54%	52.9%	33.31%	32.85%	15.15%	23.75%		10.91%			30.59%	31.57%	34.96%	35.39%	35.1%	35.05%	35.47%	35.0%	34.06%	33.04%	34.89%	33.33%	30.49%	29.1%	27.87%	27.5%	27.83%
Net Earnings	$52.26M	$40.15M	$33.40M	$31.58M	$30.81M	$26.22M	$10.86M	$11.75M	$9.116M	$9.260M	$6.000M	$100.0K	$4.900M	-$400.0K	-$3.500M	$15.20M	$29.70M	$33.30M	$30.30M	$29.40M	$25.20M	$23.10M	$16.90M	$18.20M	$15.30M	$15.30M	$14.40M	$11.40M	$9.500M	$8.800M	$8.200M	$8.400M
YoY Change	30.17%	20.21%	5.76%	2.5%	17.48%	141.41%	-7.52%	28.85%	-1.56%	54.33%	5900.0%	-97.96%	-1325.0%	-88.57%	-123.03%	-48.82%	-10.81%	9.9%	3.06%	16.67%	9.09%	36.69%	-7.14%	18.95%	0.0%	6.25%	26.32%	20.0%	7.95%	7.32%	-2.38%	15.07%
Net Earnings / Revenue	28.86%	30.57%	31.4%	29.73%	27.3%	26.38%	12.5%	14.47%	11.44%	11.84%
Basic Earnings Per Share	$3.08	$2.37	$1.98	$1.88	$1.84	$1.54	$0.64	$0.69	$0.53	$0.53
Diluted Earnings Per Share	$3.07	$2.364M	$1.98	$1.88	$1.83	$1.54	$0.64	$0.69	$0.53	$0.53	$344.8K	$5.814K	$286.5K	-$23.39K	-$205.9K	$888.9K	$1.659M	$1.790M	$1.656M	$1.750M	$1.518M	$1.392M	$1.018M	$1.138M	$962.3K	$962.3K	$917.2K	$844.4K	$709.0K	$661.7K	$598.5K	$613.1K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$81.27M	$82.14M	$94.90M	$98.80M	$86.20M	$87.20M	$91.70M	$95.50M	$98.80M	$101.9M	$103.4M	$107.1M	$111.0M	$115.4M	$115.4M	$106.4M	$98.60M	$86.50M	$73.80M	$59.00M	$54.00M	$48.90M	$47.00M	$37.00M	$37.80M	$37.20M	$31.60M	$34.00M	$26.20M	$24.30M	$20.80M	$15.90M
YoY Change	-1.06%	-13.45%	-3.95%	14.62%	-1.15%	-4.91%	-3.98%	-3.34%	-3.04%	-1.45%	-3.45%	-3.51%	-3.81%	0.0%	8.46%	7.91%	13.99%	17.21%	25.08%	9.26%	10.43%	4.04%	27.03%	-2.12%	1.61%	17.72%	-7.06%	29.77%	7.82%	16.83%	30.82%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$4.304B	$4.526B	$4.264B	$3.798B	$3.089B	$2.959B	$2.899B	$2.845B	$2.798B	$2.627B	$2.612B	$2.634B	$2.641B	$2.622B	$2.708B	$2.489B	$2.616B	$2.598B	$2.626B	$2.364B	$1.847B	$1.825B	$1.821B	$1.528B	$1.431B	$1.444B	$1.010B	$1.021B	$813.7M	$742.6M	$762.3M	$687.0M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$27.40M	$22.70M	$12.20M	$12.80M	$2.500M
YoY Change	20.7%	86.07%	-4.69%	412.0%
Deferred Revenue
YoY Change
Short-Term Debt	$35.34M	$56.79M	$34.60M	$79.70M	$6.400M	$13.50M	$7.500M	$12.70M	$61.10M	$49.40M	$51.30M	$47.40M	$43.40M	$92.90M	$35.80M	$62.00M	$53.10M	$65.00M	$83.00M	$96.00M	$108.2M	$113.7M	$67.00M	$83.50M	$66.30M	$25.20M	$46.10M	$36.00M	$19.80M	$15.00M	$24.50M	$18.80M
YoY Change	-37.77%	64.14%	-56.59%	1145.31%	-52.59%	80.0%	-40.94%	-79.21%	23.68%	-3.7%	8.23%	9.22%	-53.28%	159.5%	-42.26%	16.76%	-18.31%	-21.69%	-13.54%	-11.28%	-4.84%	69.7%	-19.76%	25.94%	163.1%	-45.34%	28.06%	81.82%	32.0%	-38.78%	30.32%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$35.34M	$22.70M	$12.20M	$12.80M	$2.500M	$13.50M	$7.500M	$12.70M	$61.10M	$49.40M	$51.30M	$47.40M	$43.40M	$92.90M	$35.80M	$62.00M	$53.10M	$65.00M	$83.00M	$96.00M	$108.2M	$113.7M	$67.00M	$83.50M	$66.30M	$25.20M	$46.10M	$36.00M	$19.80M	$15.00M	$24.50M	$18.80M
YoY Change	55.69%	86.07%	-4.69%	412.0%	-81.48%	80.0%	-40.94%	-79.21%	23.68%	-3.7%	8.23%	9.22%	-53.28%	159.5%	-42.26%	16.76%	-18.31%	-21.69%	-13.54%	-11.28%	-4.84%	69.7%	-19.76%	25.94%	163.1%	-45.34%	28.06%	81.82%	32.0%	-38.78%	30.32%
Long-Term Debt	$52.89M	$52.89M	$52.90M	$52.90M	$52.90M	$52.90M	$52.90M	$52.90M	$62.90M	$62.90M	$62.90M	$109.7M	$107.5M	$113.0M	$112.3M	$114.4M	$89.60M	$106.0M	$132.5M	$99.40M	$46.50M	$71.70M	$13.60M	$11.70M	$14.30M	$18.70M	$15.90M	$18.10M	$2.000M	$0.00	$1.900M	$2.000M
YoY Change	0.0%	-0.02%	0.0%	0.0%	0.0%	0.0%	0.0%	-15.9%	0.0%	0.0%	-42.66%	2.05%	-4.87%	0.62%	-1.84%	27.68%	-15.47%	-20.0%	33.3%	113.76%	-35.15%	427.21%	16.24%	-18.18%	-23.53%	17.61%	-12.15%	805.0%		-100.0%	-5.0%
Other Long-Term Liabilities	$66.08M	$73.68M	$55.50M	$89.30M	$48.20M	$49.70M	$70.40M	$77.20M	$68.40M	$64.40M	$47.00M	$84.90M	$66.00M	$53.10M	$34.10M	$41.30M	$38.60M	$29.50M	$24.90M	$16.90M	$14.80M	$18.60M	$18.90M	$16.30M	$15.10M	$17.30M	$12.40M	$11.20M	$11.20M	$7.100M	$6.100M	$5.500M
YoY Change	-10.31%	32.75%	-37.85%	85.27%	-3.02%	-29.4%	-8.81%	12.87%	6.21%	37.02%	-44.64%	28.64%	24.29%	55.72%	-17.43%	6.99%	30.85%	18.47%	47.34%	14.19%	-20.43%	-1.59%	15.95%	7.95%	-12.72%	39.52%	10.71%	0.0%	57.75%	16.39%	10.91%
Total Long-Term Liabilities	$119.0M	$126.6M	$108.4M	$142.2M	$101.1M	$102.6M	$123.3M	$130.1M	$131.3M	$127.3M	$109.9M	$194.6M	$173.5M	$166.1M	$146.4M	$155.7M	$128.2M	$135.5M	$157.4M	$116.3M	$61.30M	$90.30M	$32.50M	$28.00M	$29.40M	$36.00M	$28.30M	$29.30M	$13.20M	$7.100M	$8.000M	$7.500M
YoY Change	-6.0%	16.75%	-23.77%	40.65%	-1.46%	-16.79%	-5.23%	-0.91%	3.14%	15.83%	-43.53%	12.16%	4.46%	13.46%	-5.97%	21.45%	-5.39%	-13.91%	35.34%	89.72%	-32.12%	177.85%	16.07%	-4.76%	-18.33%	27.21%	-3.41%	121.97%	85.92%	-11.25%	6.67%
Total Liabilities	$3.856B	$4.123B	$3.869B	$3.455B	$2.762B	$2.657B	$2.615B	$2.570B	$2.524B	$2.355B	$2.336B	$2.387B	$2.389B	$2.363B	$2.440B	$2.210B	$2.324B	$2.282B	$2.320B	$2.107B	$1.644B	$1.638B	$1.650B	$1.380B	$1.298B	$1.315B	$909.2M	$931.9M	$732.5M	$670.2M	$695.2M	$623.8M
YoY Change	-6.47%	6.57%	11.97%	25.1%	3.96%	1.61%	1.74%	1.84%	7.17%	0.82%	-2.16%	-0.1%	1.12%	-3.17%	10.43%	-4.9%	1.82%	-1.62%	10.08%	28.2%	0.34%	-0.69%	19.54%	6.29%	-1.25%	44.61%	-2.44%	27.22%	9.3%	-3.6%	11.45%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Basic Shares Outstanding	16.99M shares	16.95M shares	16.86M shares	16.79M shares	16.77M shares	17.03M shares	16.95M shares	16.99M shares	17.27M shares	17.43M shares
Diluted Shares Outstanding	17.02M shares	16.99M shares	16.89M shares	16.82M shares	16.83M shares	17.07M shares	17.01M shares	17.06M shares	17.32M shares	17.49M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $653.72 Million

About Capital City Bank Group Inc

Capital City Bank Group, Inc. operates as a bank holding company. The company is headquartered in Tallahassee, Florida and currently employs 784 full-time employees. The firm provides a full range of banking and banking-related services to individual and corporate clients through its wholly owned subsidiary, Capital City Bank (the Bank). The firm provides two principal services include Banking Services and Wealth Management Services. The company provides a full range of banking services, including traditional deposit and credit services, mortgage banking, asset management, trust, merchant services, bankcards, securities brokerage services and financial advisory services, including the sale of life insurance, risk management and asset protection services. The firm offers its customers access to retail investment products through LPL Financial under, which retail investment products would be offered through LPL. The Bank has approximately 63 banking offices and 103 automated teller machines ATMs/ interactive teller machines (ITMs) in Florida, Georgia, and Alabama.

Industry: State Commercial Banks Peers: CAMBRIDGE BANCORP Central Pacific Financial Corp CNB Financial Corp Coastal Financial Corp (EVERETT) First Community Bankshares Inc First Financial Corp HBT Financial Inc HomeStreet Inc Midland States Bancorp Inc PNC Financial Services Group Inc