Capital City Bank Group (NASDAQ: CCBG) said it will release fourth quarter and year-end 2025 financial results on Tuesday, January 27, 2026 before the market opens. Investors may access a copy of the earnings results on the company's Investor Relations website at investors.ccbg.com.
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News Market Reaction – CCBG
-0.88%
-0.88%Session close to close
In the Jan 9 session, CCBG declined 0.88%, reflecting a mild negative market reaction.
This announcement sets the timetable for Capital City Bank Group’s fourth quarter and year-end 2025 ...
Analysis
This announcement sets the timetable for Capital City Bank Group’s fourth quarter and year-end 2025 results on Jan 27, 2026. Recent history shows solid operating trends, including $16.0 million in Q3 net income, $0.93 EPS, and a 4.34% net interest margin, alongside shareholder returns via a $0.26 dividend. Investors may watch how credit costs, noninterest income of $22.3 million, and tangible book value growth of 4.0% evolve when the new data are released.
Key Figures
Q3 2025 net income:$16.0 millionQ3 2025 diluted EPS:$0.93Tax-equivalent net interest income:$43.6 million+5 more
8 metrics
Q3 2025 net income$16.0 millionQ3 2025 results
Q3 2025 diluted EPS$0.93Q3 2025 results
Tax-equivalent net interest income$43.6 millionQ3 2025 results
Net interest margin4.34%Q3 2025 results
Noninterest income$22.3 millionQ3 2025 results
Gain on insurance sale$0.7 millionIncluded in Q3 2025 noninterest income
Provision for credit losses$1.9 millionQ3 2025 results
Tangible book value change+4.0% (+$1.01)Q3 2025 per diluted share
Announced timing of Q3 2025 earnings release before market open.
24h Move is the share-price change in the day after each event; other market factors may also have contributed.
Pattern Detected
Recent fundamental positives (dividend increase visibility and solid Q3 earnings) saw mixed price reactions, with one earnings report selling off despite stronger metrics.
Recent Company History
Over the last few months, Capital City Bank Group reported stronger fundamentals and shareholder returns. A Q3 2025 earnings release highlighted higher net income, EPS, and net interest margin, yet the stock fell 2% the next day. By contrast, a $0.26 quarterly dividend announcement with a 2.63% yield saw a positive 3.48% reaction. Operational updates such as a new chief retail officer and recurring workplace recognition drew minimal price moves. Today’s earnings-date notice for Jan 27, 2026 fits the pattern of neutral pre-announcement communication ahead of results.
Key Terms
net interest margin, provision for credit losses, Director Stock Purchase Plan, Dividend Reinvestment Plan, +4 more
8 terms
net interest marginfinancial
"net interest margin rose to 4.34%."
Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.
provision for credit lossesfinancial
"Provision for credit losses was $1.9 million;"
Provision for credit losses is an amount set aside by a financial institution to cover potential future losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution manage risks and stay financially healthy. For investors, it signals how cautious a lender is about potential loan defaults and can impact the company's profitability and financial stability.
Director Stock Purchase Planfinancial
"acquired 13 shares of Capital City Bank Group common stock through the company’s Director Stock Purchase Plan (DSPP)"
A director stock purchase plan lets members of a company's board buy the company’s shares, often through scheduled contributions or discounted purchases approved by the board. For investors, it acts like a vote of confidence—when people who oversee the company put their own money in, it suggests they believe in the business—while also affecting share counts and ownership balance, which can influence stock value and corporate control.
Dividend Reinvestment Planfinancial
"135 shares previously acquired through the company’s Dividend Reinvestment Plan"
A dividend reinvestment plan lets shareholders automatically use cash dividends to buy more shares of the same company instead of receiving the money. It matters to investors because it turns regular payouts into a steady way to grow ownership and take advantage of compound returns—like having your savings automatically buy additional slices of a pie over time—while often reducing transaction costs and smoothing purchase timing.
Form 4regulatory
"title": "[Form 4] CAPITAL CITY BANK GROUP INC Insider Trading Activity""
Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.
Section 16 of the Securities Exchange Act of 1934regulatory
"exempt from the short-swing profit rules under Section 16 of the Securities Exchange Act of 1934"
A provision of federal securities law that requires company insiders—directors, officers and large shareholders—to publicly report their stock holdings and trades and to surrender any “short-swing” profits from purchases and sales within a six-month window. It acts like a rule that forces leaders to announce their trades and prevents quick buy-sell windfalls, giving investors transparency into insider activity and reducing opportunities for unfair gain.
Regulation FDregulatory
"Investor Presentation under Item 7.01 (Regulation FD)."
Regulation FD is a rule that prevents company insiders, like executives, from sharing important information with some people before others get it. It matters because it helps ensure all investors have equal access to key news, making the stock market fairer and reducing chances of insider trading.
8-Kregulatory
"title": "[8-K] CAPITAL CITY BANK GROUP INC Reports Material Event""
An 8-K is a public report companies must file with the U.S. Securities and Exchange Commission to disclose major events or changes that shareholders should know about, such as leadership changes, mergers, financial surprises, or legal developments. It matters to investors because it acts like a breaking-news alert for a company’s health and prospects—providing timely facts that can affect stock value and investment decisions.
TALLAHASSEE, Fla., Jan. 09, 2026 (GLOBE NEWSWIRE) -- Capital City Bank Group, Inc. (NASDAQ: CCBG) announced today that it will release fourth quarter and year-end 2025 results on Tuesday, January 27, 2026, before the market opens. Upon release, investors may access a copy of the earnings results at the Company's Investor Relations website, investors.ccbg.com.
About Capital City Bank Group, Inc. Capital City Bank Group, Inc. is one of the largest publicly traded financial holding companies headquartered in Florida and has approximately $4.3 billion in assets. We provide a full range of banking services, including traditional deposit and credit services, mortgage banking, asset management, trust, merchant services, bankcards, and securities brokerage services. Our bank subsidiary, Capital City Bank, was founded in 1895 and now has 62 banking offices and 108 ATMs/ITMs in Florida, Georgia and Alabama. For more information about Capital City Bank Group, Inc., visit www.ccbg.com.
For Information Contact: Jep Larkin Executive Vice President and Chief Financial Officer 850.402.8450
FAQ
When will Capital City Bank Group (CCBG) report Q4 and year-end 2025 results?
CCBG will release fourth quarter and year-end 2025 results on Tuesday, January 27, 2026 before the market opens.
Where can investors find Capital City Bank Group (CCBG) earnings results on January 27, 2026?
Investors may access a copy of the earnings results at investors.ccbg.com.
Will the Capital City Bank Group (CCBG) earnings release be published before market open on Jan 27, 2026?
Yes. The company announced the results will be released before the market opens on January 27, 2026.
Does Capital City Bank Group (CCBG) mention a webcast or conference call for the Jan 27, 2026 release?
The announcement states investors may access a copy of the earnings at investors.ccbg.com and does not mention a webcast or conference call.
What period do the January 27, 2026 results from Capital City Bank Group (CCBG) cover?
The results will cover the fourth quarter and the year-end 2025 reporting periods.
