Filing Flows › Capital City Bank Group (CCBG) › Q3 2026 › vs Q3 2025
Capital City Bank Group (CCBG) Q3 2026 vs Q3 2025 (year over year)
Capital City Bank Group's revenue fell $1.5M (-2%) from $65.9M in Q3 2025 to $64.4M in Q3 2026. The biggest changes: Noninterest income −$2.9M (-13%); Net interest income +$1.5M (+3%). Operating margin 34.4% against 32.0% (+2.4 pts).
Capital City Bank Group, Q3 2026: revenue $64.4M (-2% year over year), operating margin 34.4%, net earnings $16.9M, operating cash flow $33.1M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 34.4% | 32.0% | +2.4 pts |
| Net margin | 26.3% | 24.2% | +2.1 pts |
| Free cash flow margin | 45.3% | 30.1% | +15.2 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $45.0M | $43.6M | $1.5M | +3% |
| Noninterest income | $19.4M | $22.3M | −$2.9M | -13% |
| Revenue | $64.4M | $65.9M | −$1.5M | -2% |
| Operating profit | $22.2M | $21.1M | $1.1M | +5% |
| Costs & expenses | $42.2M | $44.8M | −$2.6M | -6% |
| Pre-tax earnings | $22.2M | $21.1M | $1.1M | +5% |
| Net earnings | $16.9M | $15.9M | $990K | +6% |
| Income tax | $5.2M | $5.1M | $98K | +2% |
| Share-based compensation | $133K | $448K | −$315K | -70% |
| Working capital & other | $16.1M | $5.2M | $10.9M | +211% |
| Operating cash flow | $33.1M | $21.6M | $11.6M | +54% |
| Free cash flow (OCF − capex) | $29.2M | $19.8M | $9.3M | +47% |
| Capital expenditures | $4.0M | $1.7M | $2.2M | +128% |
Questions
How much did Capital City Bank Group's revenue grow year over year in Q3 2026?
Capital City Bank Group's revenue fell $1.5M (-2%) from $65.9M in Q3 2025 to $64.4M in Q3 2026.
What drove Capital City Bank Group's revenue change in Q3 2026?
Noninterest income −$2.9M (-13%); Net interest income +$1.5M (+3%).