Capital City Bank Group, Inc. Reports Fourth Quarter 2025 Results TALLAHASSEE, Fla. (January 27, 2026) – Capital City Bank Group, Inc. (NASDAQ: CCBG) today reported net income attributable to common shareowners of $13.7 million, or $0.80 per diluted share, for the fourth quarter of 2025 compared to $16.0 million, or $0.93 per diluted share, for the third quarter of 2025, and $13.1 million, or $0.77 per diluted share for the fourth quarter of 2024. For 2025, net income attributable to common shareowners tota ...

分组1 - Capital City Bank (CCBG) reported quarterly earnings of $0.8 per share, missing the Zacks Consensus Estimate of $0.89 per share, but showing an increase from $0.77 per share a year ago, resulting in an earnings surprise of -10.11% [1] - The bank's revenues for the quarter ended December 2025 were $63.46 million, which also missed the Zacks Consensus Estimate by 0.99%, compared to $59.86 million in the same quarter last year [2] - The stock has gained approximately 4.9% since the beginning of the year, outperforming the S&P 500's gain of 1.5% [3] 分组2 - The current consensus EPS estimate for the upcoming quarter is $0.88 on revenues of $63.7 million, and for the current fiscal year, it is $3.65 on revenues of $261.3 million [7] - The Zacks Industry Rank for Banks - Southeast is in the top 22% of over 250 Zacks industries, indicating a favorable outlook for the industry [8] - Capital City Bank has a Zacks Rank of 3 (Hold), suggesting that the stock is expected to perform in line with the market in the near future [6]

TALLAHASSEE, Fla., Jan. 27, 2026 (GLOBE NEWSWIRE) -- Capital City Bank Group, Inc. (NASDAQ: CCBG) today reported net income attributable to common shareowners of $13.7 million, or $0.80 per diluted share, for the fourth quarter of 2025 compared to $16.0 million, or $0.93 per diluted share, for the third quarter of 2025, and $13.1 million, or $0.77 per diluted share for the fourth quarter of 2024. For 2025, net income attributable to common shareowners totaled $61.6 million, or $3.60 per diluted share, compa ...

Core Viewpoint - Capital City Bank Group, Inc. will release its fourth quarter and year-end 2025 financial results on January 27, 2026, before the market opens, with access available on its Investor Relations website [1] Group 1: Company Overview - Capital City Bank Group, Inc. is one of the largest publicly traded financial holding companies based in Florida, with approximately $4.3 billion in assets [2] - The company offers a comprehensive range of banking services, including traditional deposit and credit services, mortgage banking, asset management, trust, merchant services, bankcards, and securities brokerage services [2] - Capital City Bank, the bank subsidiary, was established in 1895 and currently operates 62 banking offices and 108 ATMs/ITMs across Florida, Georgia, and Alabama [2]

Core Insights - Capital City Bank has been recognized as one of American Banker's "Best Banks to Work For" for the 13th consecutive year, ranking 37 nationwide and 8 among banks with assets between $3 billion and $10 billion, showing significant improvement from its previous year's rankings of 56 and 15 respectively [1] Company Overview - Capital City Bank Group, Inc. is a publicly traded financial holding company based in Florida with approximately $4.3 billion in assets, offering a full range of banking services including traditional deposit and credit services, mortgage banking, asset management, and securities brokerage [5] Employee Engagement and Culture - The recognition reflects the commitment of the bank's associates, emphasizing a workplace culture that values, supports, and inspires personal and professional growth [2] - The bank provides a comprehensive benefits package, including insurance, a stock purchase plan, 401(k), paid time off, and tuition assistance, alongside continuous learning programs to encourage skill development [2] Initiatives for Associate Support - Capital City Bank launched initiatives such as The Spotlight and Navigator to enhance associate engagement and support, focusing on both work-related and personal needs [3][6] Evaluation Process for Rankings - The "Best Banks to Work For" rankings are determined through a two-step evaluation process, with 25% based on workplace policies and practices, and 75% based on associate surveys assessing individual experiences and attitudes [3][4]

Core Insights - Capital City Bank has been recognized as one of American Banker's "Best Banks to Work For" for the 13th consecutive year, ranking 37 out of 90 banks nationwide and 8 among banks with assets between $3 billion and $10 billion, showing significant improvement from its previous year's rankings of 56 and 15 respectively [1] Company Overview - Capital City Bank Group, Inc. is a publicly traded financial holding company headquartered in Florida with approximately $4.3 billion in assets, offering a full range of banking services including traditional deposit and credit services, mortgage banking, asset management, and securities brokerage [5] Employee Engagement and Culture - The recognition reflects the commitment of the bank's associates, emphasizing a workplace culture where employees feel valued and supported, with a focus on personal and professional growth [2] - The bank provides a comprehensive benefits package, including insurance, a stock purchase plan, 401(k), paid time off, and tuition assistance, alongside continuous learning programs to encourage skill development [2] Initiatives for Associate Support - Capital City Bank launched initiatives such as The Spotlight and Navigator to enhance associate engagement, providing platforms for recognition and resources for essential needs [3][6] - The evaluation process for the "Best Banks to Work For" involved assessing workplace policies and practices (25% of total evaluation) and associate surveys (75% of total evaluation) to gauge employee experiences [3][4]

Core Insights - Capital City Bank has appointed Alicia Williams-Ronan as the new chief retail officer, succeeding Randy Lashua who will retire on December 31 after 20 years of service [1][2] - Williams-Ronan will oversee strategy and management for retail sales, service, and operations, leading 350 associates across 63 banking offices in Florida, Georgia, and Alabama [1][6] Company Overview - Capital City Bank Group, Inc. is one of the largest publicly traded financial holding companies in Florida, with approximately $4.3 billion in assets [5] - The bank provides a full range of banking services, including traditional deposit and credit services, mortgage banking, asset management, and financial advisory services [5] Leadership Background - Alicia Williams-Ronan has been with Capital City Bank since 2005, advancing through various roles in client service, technology, and senior operations leadership [2][3] - Prior to her new role, she served as the Bank Operations Group manager for over five years, focusing on optimizing workflows and enhancing client satisfaction [3][4] Community Engagement - Williams-Ronan is dedicated to community service and has been a long-time supporter of the United Way of the Big Bend [4]

Financial Performance - Net income attributable to common shareholders for Q3 2025 was $16.0 million, or $0.93 per diluted share, compared to $15.0 million, or $0.88 per diluted share in Q2 2025, and $13.1 million, or $0.77 per diluted share in Q3 2024 [170]. - For the first nine months of 2025, net income attributable to common shareholders was $47.9 million, or $2.80 per diluted share, compared to $39.8 million, or $2.35 per diluted share for the same period in 2024 [170]. - Noninterest income for Q3 2025 was $22.3 million, compared to $20.0 million in Q2 2025 and $19.5 million in Q3 2024 [168]. - Noninterest income for the first nine months of 2025 totaled $62.3 million, a 9.3% increase from $57.2 million in the same period of 2024, driven by increases in wealth management fees, mortgage banking revenues, and other income [189]. - Net interest income for Q3 2025 was $43.6 million, an increase from $43.2 million in Q2 2025 and $40.3 million in Q3 2024 [184]. - Net interest income for the three months ended September 30, 2025, was $43,602 thousand, up from $40,260 thousand in the same period of 2024, representing an increase of 5.8% [256]. - The company reported a net interest income of $128,421 thousand for the nine months ended September 30, 2025, compared to $118,029 thousand for the same period in 2024, marking an increase of 8.5% [256]. Asset and Capital Management - Total assets as of Q3 2025 were $4.32 billion, a decrease from $4.39 billion in Q2 2025 [167]. - Total assets increased to $4,317,951 thousand in Q3 2025 from $4,215,862 thousand in Q3 2024, reflecting a growth of 2.6% [256]. - The tangible common equity ratio for Q3 2025 was 10.66%, up from 10.09% in Q2 2025 and 9.28% in Q3 2024 [167]. - Shareowners' equity rose to $540.6 million at September 30, 2025, up from $526.4 million at June 30, 2025, driven by net income of $47.9 million and a decrease in accumulated other comprehensive loss [247]. - The total risk-based capital ratio was 20.59% at September 30, 2025, compared to 19.60% at June 30, 2025, indicating strong capital adequacy [248]. Income and Expense Analysis - Noninterest expense for Q3 2025 was $42.9 million, a slight increase of $0.4 million or 0.9% from Q2 2025, and unchanged from Q3 2024 [174]. - Noninterest expense for the first nine months of 2025 totaled $124.2 million, a 0.5% increase from $123.5 million in the same period of 2024, primarily due to a $4.2 million increase in compensation expense [199]. - Total noninterest expense for Q3 2025 was $42.9 million, comparable to Q3 2024, with a slight increase from $42.5 million in Q2 2025 [198]. - Compensation expense for the first nine months of 2025 was $78.8 million, a $4.2 million increase from $74.6 million in the same period of 2024, driven by increases in salary and associate benefit expenses [202]. Credit Quality and Loss Provisions - The provision for credit losses in Q3 2025 was $1.9 million, significantly higher than $0.6 million in Q2 2025 and $1.2 million in Q3 2024 [168]. - Nonperforming assets increased to $10.0 million in Q3 2025 from $6.6 million in Q2 2025 [168]. - The allowance for credit losses for loans HFI was $30.2 million at September 30, 2025, representing 1.17% of loans HFI, up from 1.13% at June 30, 2025 [221]. - Nonperforming assets totaled $10.0 million at September 30, 2025, representing 0.23% of total assets, up from $6.6 million (0.15%) at June 30, 2025 [217]. Deposits and Funding - Average total deposits were $3.612 billion in Q3 2025, a decrease of $68.4 million or 1.86% from Q2 2025 [178]. - Total deposits at September 30, 2025, were $3.615 billion, a decrease of $89.9 million (2.4%) from June 30, 2025 [224]. - Average short-term borrowings totaled $34.7 million in Q3 2025, slightly up from $33.1 million in Q2 2025, primarily due to mortgage warehouse borrowing activity [243]. - The company continues to monitor its cost of deposits and deposit mix amid the current rate environment [226]. Interest Rates and Economic Value - The interest rate spread improved to 3.81% in Q3 2025 from 3.49% in Q3 2024 [256]. - The estimated changes in net interest income (NII) for a 12-month shock indicate a potential increase of 18.9% to 4.9% under rising rate scenarios, while a decrease of -5.3% to -23.8% is expected under falling rate scenarios as of September 30, 2025 [233]. - The economic value of equity (EVE) is projected to increase by 34.2% to 10.5% in rising rate environments, but decrease by -12.0% to -40.7% in falling rate environments as of September 30, 2025 [235].

Core Viewpoint - Capital City Bank Group (NASDAQ: CCBG) has demonstrated consistent performance among small regional banks, with an 11% increase year-to-date and an impressive 86.9% rise over the past decade [1]. Group 1: Company Performance - CCBG's stock has been one of the more consistent performers in the small regional bank sector over the last 10 years [1]. - The stock has increased by 11% year-to-date, indicating strong current performance [1]. - Over the past decade, CCBG's stock has risen by 86.9%, showcasing significant long-term growth [1]. Group 2: Market Perspective - The financial markets are viewed as efficient, with most stocks reflecting their real current value [1]. - The best investment opportunities are often found in stocks that are less widely followed or those that do not accurately reflect market opportunities [1].

Core Viewpoint - Capital City Bank Group (NASDAQ: CCBG) has demonstrated consistent performance among small regional banks, with a year-to-date stock increase of 11% and a total rise of 86.9% over the past decade [1]. Group 1 - CCBG's stock performance has been notably strong, making it one of the better performers in its category over the last 10 years [1]. - The stock has shown a year-to-date increase of 11%, indicating positive market sentiment and investor confidence [1]. - Over the last decade, CCBG's stock has appreciated by 86.9%, reflecting its robust growth trajectory [1].