Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking and banking-related services to individual and corporate clients. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. It also provides commercial and residential real estate lending products, as well as fixed- and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans; and credit card programs. In addition, the company offers institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Further, it provides consumer banking services comprising checking accounts, savings programs, interactive/automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and online and mobile banking services. Additionally, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and various retail securities products, such as the U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care. As of December 31, 2021, it operated through 57 banking offices and 86 ATMs/ITMs in Florida, Georgia, and Alabama. The company was founded in 1895 and is headquartered in Tallahassee, Florida.

Larry Carroll

Capital City Bank Group, Inc.

About Capital City Bank Group, Inc.

Capital City Bank Group, Inc. (NASDAQ: CCBG) is one of the largest publicly traded financial holding companies headquartered in Florida and has approximately $4.3 billion in assets. We provide a full range of banking services, including traditional deposit and credit services, mortgage banking, asset management, trust, merchant services, bankcards and securities brokerage services. Our bank subsidiary, Capital City Bank, was founded in 1895 and now has 57 banking offices and 86 ATMs in Florida, Georgia and Alabama.
Member FDIC
Equal Housing Lender
Equal Opportunity Employer

What kind of banker will you be? We embrace collaboration, learning and sharing information, accountability, being service-oriented and leadership. If these core competencies are in your wheelhouse, a future in banking may be right for you! Check out our opportunities and apply online today: www.ccbg.com/careers #NowHiring

The Capital City Bank corporate compliance team is looking to add a new community reinvestment act manager to the team. The position is based at our main office in Tallahassee, FL. Learn more and apply today! https://ow.ly/PYHK50Qar5Q

It's Black Friday! If you need to squeeze in a stop to see your banker today between hunting down those holiday deals and enjoying leftover Thanksgiving dinner, we are open until 4 p.m. Happy shopping (and saving)! #MemberFDIC

Wishing you a safe and Happy Thanksgiving from all your Capital City Bankers! Our offices are closed today so our associates may enjoy time with friends and family but will be at your service tomorrow until 4 p.m. #MemberFDIC

Our offices will be closed tomorrow in observance of the Thanksgiving holiday. Our bankers will be back in action on Friday during normal business hours! #MemberFDIC

Metric
Company Name	Capital City Bank Group, Inc.
Symbol	CCBG
MSH ID	COM:CCBG
Market	STOCKS
Sector	Financial Services
Industry	Banks - Regional
Country	US
Stage
Employee Count	970
Website	ccbg.com
LinkedIn	capital-city-bank-group-inc-
Founders

Metric
Market Cap	463.69M
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	255.69M
Revenue (LTM)
Revenue (NTM)
Gross Profit	252.68M
EBITDA	1.44M
Operating Income	63.86M
Net Income	52.26M
EPS	3.08
Diluted EPS	3.07
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	1.00
Operating Profit Margin	0.29
EBITDA Margin	0.01
Net Profit Margin	0.21
Return on Equity	0.12
Return on Assets	0.01
Return on Capital Employed	0.06

COM:CCBG

Capital City Bank Group, Inc.

Last Close

38.44

22/11 21:00

Market Cap

463.69M

Beta: -

Volume Today

25.71K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	8.70
P/B Ratio	1.10
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	2.50
EV Multiple	47.01

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	0.06

Metric
Operating Cash Flow	57.25M
Free Cash Flow	50.21M
Cash Flow to Debt	0.89
Operating Cash Flow/Sales	0.29
Free Cash Flow Yield	0.07

Metric
Cash & Equivalents	83.12M
Accounts Receivable
Inventory
Goodwill	91.89M
Debt to Capitalization	0.17
Debt to Assets	0.02
Current Ratio	21.63
Quick Ratio	0.26

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.01
R&D to Revenue
SG&A to Revenue	0.42