Loading...
•
Mar 31, 2025
Capital City Bank Q1 2025 Earnings Report
Capital City Bank reported increased earnings and strong margin expansion in Q1 2025.
Key Takeaways
Capital City Bank delivered a solid Q1 2025 performance, with higher EPS and net income supported by improved noninterest income and margin expansion. Operational efficiency improved and credit quality metrics strengthened, while a property sale provided a one-time gain.
Net income rose to $16.9M, up from $12.6M YoY.
EPS increased to $0.99 per share.
Net interest margin expanded to 4.22%.
Realized $0.17/share gain from operations center sale.
Revenue by Segment
Forward Guidance
The company expects stable credit quality and flexibility in navigating market uncertainty, aided by a strong balance sheet and diversified revenue sources.
Positive Outlook
- Strong deposit growth driven by seasonal public fund inflows
- Increased net interest margin with higher investment yields
- Reduced deposit cost supports net interest income
- Improved noninterest income from mortgage and wealth management
- Strong capital position with CET1 at 16.08%
Challenges Ahead
- Loan balances slightly decreased on average
- Decrease in consumer and commercial loans YoY
- Real estate construction loans dropped significantly from prior quarter
- Deposit mix shift includes declines in savings accounts
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...