Monitor loan growth trajectory and net interest margin pressure in upcoming quarters, as continued balance sheet contraction and margin compression could limit future earnings growth despite current cost discipline.
Price Chart
Executive Summary
Capital City Bank Group (CCBG) reported Q1 2026 earnings of $0.92 per share, a 15% sequential increase from $0.80 in Q4 2025, driven by lower provision expense and improved efficiency. However, results represent a 7.1% year-over-year decline from $0.99 in Q1 2025, with net interest income down 1.2% and loan balances continuing to contract. The company repurchased 63,088 shares during the quarter.
Key Financial Metrics
Key Facts
- Q1 2026 EPS of $0.92 missed consensus estimate of $0.94 by -2.1%
- Net interest income was $42.9 million, down 1.2% YoY and down 1.1% QoQ (excluding calendar days)
- Provision for credit losses decreased to $0.7 million from $2.0 million in Q4 2025
- Noninterest expense decreased 3.5% QoQ to $41.4 million, driven by lower compensation costs
- Loan balances decreased $27.7 million (1.1%) during the quarter
- Tangible book value per share increased 1.8% to $27.51
- Company repurchased 63,088 shares for $2.6 million
Financial Impact
EPS of $0.92, net interest income of $42.9 million, provision expense of $0.7 million
Risk Factors
- Continuing loan balance contraction may pressure future net interest income
- Net interest margin decreased 2 basis points QoQ, indicating ongoing margin pressure
- Year-over-year earnings decline suggests growth challenges despite sequential improvement
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000726601-26-000009 |
| Document: ccbg-20260420.htm | 0000726601-26-000009 |
| Document: 0000726601-26-000009-index-headers.html | 0000726601-26-000009 |
| Document: 0000726601-26-000009-index.html | 0000726601-26-000009 |
| Document: 0000726601-26-000009.txt | 0000726601-26-000009 |
| 8-K Data (Synthetic) | 0000726601-26-000009 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 20, 2026 7d ago | 8-K | $49.41 $49.54 | ▲ +0.26% | ▼ −0.26% | $51.34 (+3.91%) |
Sep 22, 2026 4w ago | Institutional Cluster | $49.73 $48.75 | ▼ −1.97% | ▼ −1.25% | $51.34 (+3.24%) |
Jul 27, 2026 13w ago | 8-K | $52.07 $52.84 | ▲ +1.48% | ▲ +1.24% | $51.34 (−1.40%) |
Jul 21, 2026 14w ago | 8-K | $51.83 $50.93 | ▼ −1.74% | ▼ −1.62% | $51.34 (−0.95%) |
Jul 21, 2026 14w ago | Press Release | $51.83 $50.93 | ▼ −1.74% | ▼ −1.62% | $51.34 (−0.95%) |
Jun 11, 2026 19w ago | Institutional Cluster | $47.12 $46.27 | ▼ −1.80% | ▼ −3.57% | $51.34 (+8.96%) |
May 20, 2026 22w ago | Press Release | $46.40 $46.14 | ▼ −0.58% | ▼ −1.02% | $51.34 (+10.64%) |
May 15, 2026 23w ago | 8-K | $45.46 $45.96 | ▲ +1.10% | ▲ +1.16% | $51.34 (+12.93%) |
Apr 20, 2026 27w ago | 8-K | $46.90 $46.24 | ▼ −1.41% | ▼ −0.75% | $51.34 (+9.47%) |
Apr 20, 2026 27w ago | Press Release | $46.90 $46.24 | ▼ −1.41% | ▼ −0.75% | $51.34 (+9.47%) |
US Market Status
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