Capital City Bank Group Inc (NASDAQ:CCBG)
Insiders here have filed 9 Form 4s in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Keeps a healthy share of every dollar it sells.
- Revenue
- $278.9M
- Net income
- $62.7M
- Net margin
- 22.5%
Little or no net debt.
- Total debt
- $72.8M
- Cash
- $71.6M
- Net debt / EBITDA
- 0.01x
Comfortably covers what is due within a year.
- Current assets
- $71.6M
- Current liabilities
- $38.9M
- Current ratio
- 1.84
The business funds itself from operations.
- Operating cash flow
- $79.9M
- Free cash flow
- $70.0M
- FCF margin
- 25.1%
Not funding itself by issuing shares.
- Shares outstanding
- 17.1M
- Share growth (1y)
- 0.3%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
CCBG Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 71.87 M | 72.44 M | 62.75 M | 71.82 M | 71.29 M | 68.98 M |
| Revenue Growth (YoY) | 0.82 % | 5.01 % | -6.65 % | 8.61 % | 7.07 % | 3.84 % |
| Cost of Revenue | 7.40 M | 8.56 M | 712.00 K | 8.36 M | 9.76 M | 8.89 M |
| Gross Profit | 64.47 M | 63.88 M | 62.04 M | 63.46 M | 61.53 M | 60.09 M |
| SG&A Expense | 32.91 M | 33.16 M | 15.67 M | 28.38 M | 26.65 M | 34.36 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 42.30 M | 42.64 M | 41.37 M | 42.87 M | 40.44 M | 40.05 M |
| Operating Income | 22.18 M | 21.24 M | 20.66 M | 20.60 M | 21.09 M | 20.04 M |
| Pretax Income | 22.18 M | 21.24 M | 20.66 M | 18.60 M | 21.09 M | 20.04 M |
| Tax Provision | 5.24 M | 4.96 M | 4.85 M | 4.90 M | 5.14 M | 5.00 M |
| Net Income | 16.94 M | 16.28 M | 15.82 M | 13.71 M | 15.95 M | 15.04 M |
| EPS (Basic) | 0.99 | 0.95 | 0.92 | 0.80 | 0.93 | 0.88 |
| EPS (Diluted) | 0.99 | 0.95 | 0.92 | 0.80 | 0.93 | 0.88 |
| Shares Outstanding | 17.11 M | 17.10 M | 17.13 M | 17.07 M | 17.07 M | 17.06 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.