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Capital City Bank Group (CCBG) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 30, 2026 · Capital City Bank Group (CCBG) Q3 2026 earnings results →
Q3 2026 Revenue down 2% year over year to $64.4M · 26¢ of every $1 of revenue kept as net profit · operating margin 34.4%
Capital City Bank Group made $64.4M in Q3 2026 (-2% Y/Y): Net interest income $45.0M, Noninterest income $19.4M. Operating margin 34.4%, net earnings $16.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 30, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $64.4M in Q3 2026, down 2% year over year and down 1% from the previous quarter. Net interest income was the largest line at 70% of revenue. Noninterest income lost $2.9M year over year (down 13%), 197% of the total change.
Operating profit was $22.2M, a 34.4% margin (up 2.4 points year over year). Total costs fell 6% while revenue fell 2%. Net earnings were $16.9M, up 6% year over year. The effective tax rate was 23.6%.
Operating cash flow was $33.1M (up 54% year over year), 196% of net earnings. Non-cash charges added back $133K of share-based compensation. Working capital and other items added $16.1M. Capital expenditures of $4.0M left free cash flow of $29.2M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 30, 2026 | $64.4M | -2% | 34.4% | $16.9M | $33.1M |
| Q2 2026 | 10-Q | Jul 29, 2026 | $64.8M | +2% | 32.8% | $16.3M | $12.8M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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Capital City Bank Group against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -2% against the peers' median +10%. Operating margin: 34.4% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CCBG Capital City Bank Group | Q3 2026 | $64.4M | -2% | 34.4% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Capital City Bank Group 10-Q on SEC EDGAR · CIK 726601 · State Commercial Banks
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History
Every quarter: Q3 2026 results · Q2 2026 results