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South Plains Financial vs Capital City Bank Group: SPFI and CCBG compared
South Plains Financial is the larger company: $65.3M of revenue in its latest quarter (Q3 2026) against $64.4M for Capital City Bank Group (Q3 2026). South Plains Financial is growing faster (+20% against -2% a year earlier). South Plains Financial is more profitable, with an operating margin of 40.4% against 34.4%.
Where the money goes: SPFI and CCBG
South Plains Financial (SPFI) · Q3 2026
South Plains Financial, Q3 2026: revenue $65.3M (+20% year over year), operating margin 40.4%, net earnings $20.8M, operating cash flow $30.9M. The chart follows the revenue to costs, profit and cash.
Capital City Bank Group (CCBG) · Q3 2026
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 follows the revenue to costs, profit and cash.
| South Plains Financial (SPFI) | Capital City Bank Group (CCBG) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $65.3M | $64.4M |
| Revenue growth, Y/Y | +20% | -2% |
| Operating margin | 40.4% | 34.4% |
| Net earnings | $20.8M | $16.9M |
| Net margin | 31.8% | 26.3% |
| Operating cash flow | $30.9M | $33.1M |
| Free cash flow | $30.5M | $29.2M |
Where the revenue comes from
South Plains Financial
- Net interest income: $51.5M (79%)
- Noninterest income: $13.8M (21%)
Capital City Bank Group
- Net interest income: $45.0M (70%)
- Noninterest income: $19.4M (30%)
Questions
Which is bigger, South Plains Financial or Capital City Bank Group?
South Plains Financial is the larger company: $65.3M of revenue in its latest quarter (Q3 2026) against $64.4M for Capital City Bank Group (Q3 2026).
Is South Plains Financial or Capital City Bank Group growing faster?
South Plains Financial is growing faster (+20% against -2% a year earlier).
Which is more profitable, South Plains Financial or Capital City Bank Group?
South Plains Financial is more profitable, with an operating margin of 40.4% against 34.4%.
More: South Plains Financial earnings · how South Plains Financial makes money · Capital City Bank Group earnings · how Capital City Bank Group makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 3, 2026; 10-Q filed Oct 30, 2026). Fiscal quarters can end on different dates. Not investment advice.