---
title: "Capital City Bank | 10-Q: FY2025 Q2 EPS Beats Estimate at USD 0.88"
type: "news"
locale: "en"
url: "https://longbridge.com/en/news/251061530.md"
published_at: "2025-07-31T20:33:35.000Z"
---

# Capital City Bank | 10-Q: FY2025 Q2 EPS Beats Estimate at USD 0.88

EPS: As of FY2025 Q2, the actual value is USD 0.88, beating the estimate of USD 0.7867.

EBIT: As of FY2025 Q2, the actual value is USD 20.04 M.

### Segment Revenue

-   **Interest Income**: Total interest income for the second quarter of 2025 was $51.459 million, compared to $48.766 million for the same period in 2024. For the first six months of 2025, interest income was $101.241 million, compared to $95.586 million for the same period in 2024.

### Operational Metrics

-   **Net Income**: Net income attributable to common shareowners for the second quarter of 2025 was $15.044 million, compared to $14.150 million for the same period in 2024. For the first six months of 2025, net income was $31.902 million, compared to $26.707 million for the same period in 2024.
-   **Net Interest Income**: Tax-equivalent net interest income for the second quarter of 2025 was $43.228 million, compared to $39.334 million for the same period in 2024. For the first six months of 2025, it was $84.819 million, compared to $77.769 million for the same period in 2024.
-   **Noninterest Income**: Noninterest income for the second quarter of 2025 was $20.014 million, compared to $19.606 million for the same period in 2024. For the first six months of 2025, it was $39.921 million, compared to $37.703 million for the same period in 2024.

### Cash Flow

-   **Net Cash Provided by Operating Activities**: For the six months ended June 30, 2025, net cash provided by operating activities was $54.491 million, compared to $39.584 million for the same period in 2024.
-   **Net Cash Provided by Investing Activities**: For the six months ended June 30, 2025, net cash provided by investing activities was $5.816 million, compared to $107.367 million for the same period in 2024.
-   **Net Cash Provided by (Used In) Financing Activities**: For the six months ended June 30, 2025, net cash provided by financing activities was $21.241 million, compared to net cash used in financing activities of $111.039 million for the same period in 2024.

### Future Outlook and Strategy

-   **Core Business Focus**: The company aims to maintain a strong capital position, with a total risk-based capital ratio of 19.60% and a tangible common equity ratio of 10.09% as of June 30, 2025. The company plans to continue monitoring its liquidity position and market conditions to determine investment strategies.
-   **Non-Core Business**: The company is focused on managing its investment portfolio as a liquidity source and has the option to pledge securities as collateral for borrowings or deposits. The company also has an outstanding commitment of up to $1.0 million in a bank tech venture capital fund.

### Related Stocks

- [CCBG.US - Capital City Bank](https://longbridge.com/en/quote/CCBG.US.md)

## Related News & Research

| Title | Description | URL |
|-------|-------------|-----|
| Capital City Bank Group Inc. stellt neue Investorenpräsentation zu Markposition, Wachstum und Geschäftsentwicklung vor | Capital City Bank Group Inc. has released a new investor presentation detailing its market position, growth, and busines | [Link](https://longbridge.com/en/news/274702329.md) |
| Capital City Bank Group Inc. FY25 net income rises 16.4% to USD 61.6 million | Capital City Bank Group Inc. reported a 16.4% increase in FY25 net income, totaling USD 61.6 million, or USD 3.60 per di | [Link](https://longbridge.com/en/news/273858350.md) |
| Capital City Bank Q4 net income rises yr/yr, falls from Q3 | Capital City Bank reported a year-over-year increase in Q4 net income, but a decline from Q3. Q4 net interest income sli | [Link](https://longbridge.com/en/news/273839398.md) |
| Capital City Bank Releases Q3 2025 Investor Presentation | Capital City Bank (CCBG) has released its Q3 2025 Investor Presentation, available on its website. The latest analyst ra | [Link](https://longbridge.com/en/news/264077647.md) |
| Capital City Bank Group, Inc. Reports Third Quarter 2025 Results | TALLAHASSEE, Fla., Oct. 21, 2025 ( GLOBE NEWSWIRE ) -- Capital City Bank Group, Inc. ( NASDAQ: CCBG ) today reported net | [Link](https://longbridge.com/en/news/262051447.md) |

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> **Disclaimer**: This article is for reference only and does not constitute any investment advice.