Demonstrações financeiras detalhadas de Capital City Bank Group, Inc. (CCBG): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Capital City Bank Group, Inc. registou receitas de $279.3M no último exercício, com um CAGR de 5 anos de 5.7%. O lucro líquido atingiu $61.6M, com CAGR de 5 anos de 14.3%.
Margens dos últimos 12 meses: margem bruta 90.2%, margem operacional 30.0%, margem líquida 22.2%.
Ao preço atual de $49.87, CCBG negocia a um P/L de 13.61 e um ROE de 11.11%. A capitalização de mercado é de $853M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $128.4M | $132.4M | $145.0M | $160.1M | $211.5M | $207.3M | $200.6M | $245.7M | $262.2M | $279.3M |
| Custo da Receita | $4.0M | $6.2M | $9.8M | $11.5M | $14.5M | $1.9M | $14.4M | $31.8M | $39.8M | $36.0M |
| Lucro Bruto | $124.4M | $126.3M | $135.2M | $148.6M | $197.0M | $205.4M | $186.2M | $213.9M | $222.5M | $243.3M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $68.7M | $68.2M | $69.0M | $71.1M | $100.7M | $111.2M | $96.4M | $100.0M | $105.3M | $116.3M |
| Despesas Operacionais | $106.7M | $103.2M | $105.5M | $107.8M | $144.1M | $155.9M | $145.1M | $150.0M | $156.9M | $159.6M |
| Lucro Operacional | $17.6M | $23.1M | $29.6M | $40.8M | $52.9M | $49.5M | $41.1M | $63.9M | $65.6M | $83.7M |
| EBITDA | $24.6M | $29.6M | $36.1M | $47.0M | $60.1M | $57.2M | $48.8M | $71.9M | $73.4M | $89.4M |
| Despesas com Juros | $3.2M | $3.9M | $6.9M | $9.5M | $4.9M | $3.5M | $6.9M | $22.1M | $35.7M | $32.7M |
| Lucro Antes de Impostos | $17.6M | $23.1M | $29.6M | $40.8M | $52.9M | $49.5M | $41.1M | $63.9M | $65.6M | $81.7M |
| Imposto | $5.9M | $12.2M | $3.4M | $10.0M | $10.2M | $9.8M | $7.8M | $13.0M | $13.9M | $20.2M |
| Lucro Líquido | $11.7M | $10.9M | $26.2M | $30.8M | $31.6M | $33.4M | $33.4M | $52.3M | $52.9M | $61.6M |
| LPA | $0.69 | $0.64 | $1.54 | $1.84 | $1.88 | $1.98 | $1.97 | $3.08 | $3.12 | $3.60 |
| LPA Diluído | $0.69 | $0.64 | $1.54 | $1.83 | $1.88 | $1.98 | $1.97 | $3.07 | $3.12 | $3.60 |
| Ações em Circulação (Diluídas) | $17.1M | $17.0M | $17.1M | $16.8M | $16.8M | $16.9M | $17.0M | $17.0M | $17.0M | $17.1M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $71.3M | $71.8M | $62.8M | $72.4M |
| Lucro Bruto | $61.5M | $63.5M | $62.0M | $63.9M |
| Lucro Operacional | $21.1M | $20.6M | $20.7M | $21.2M |
| EBITDA | $23.0M | $20.6M | $22.5M | $23.1M |
| Lucro Líquido | $15.9M | $13.7M | $15.8M | $16.3M |
| LPA | $0.93 | $0.80 | $0.92 | $0.95 |
| LPA Diluído | $0.93 | $0.80 | $0.92 | $0.95 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $48.3M | $58.4M | $62.0M | $60.1M | $67.9M | $65.3M | $72.1M | $83.1M | $70.5M | $62.2M |
| Investimentos de Curto Prazo | $522.7M | $480.9M | $446.2M | $403.6M | $324.9M | $654.6M | $413.3M | $337.9M | $425.9M | $415.6M |
| Contas a Receber | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $9.8M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $571.0M | $539.3M | $508.2M | $463.7M | $392.8M | $719.9M | $485.4M | $421.0M | $496.5M | $62.2M |
| Imobilizado | $95.5M | $91.7M | $87.2M | $84.5M | $86.8M | $83.4M | $82.1M | $81.3M | $82.0M | $79.5M |
| Ágio | $84.8M | $84.8M | $84.8M | $84.8M | $89.1M | $93.3M | $91.8M | $92.9M | $91.8M | $89.1M |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | 0 | 0 | $1.3M | 0 | $973000 | 0 |
| Ativos Totais | $2.85B | $2.90B | $2.96B | $3.09B | $3.80B | $4.26B | $4.52B | $4.30B | $4.32B | $4.39B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $12.7M | $7.5M | $13.5M | $6.4M | $79.7M | $34.6M | $56.8M | $35.3M | $28.3M | $50.1M |
| Passivos Circulantes | $2.43B | $2.48B | $2.55B | $2.65B | $3.30B | $3.75B | $4.00B | $3.74B | $3.70B | $50.1M |
| Dívida de Longo Prazo | $67.8M | $66.9M | $61.5M | $59.4M | $55.9M | $53.8M | $53.4M | $53.2M | $53.7M | $43.3M |
| Passivos Totais | $2.57B | $2.61B | $2.66B | $2.76B | $3.46B | $3.87B | $4.12B | $3.86B | $3.83B | $3.83B |
| Reservas | $267.0M | $279.4M | $300.2M | $322.9M | $332.5M | $364.8M | $387.0M | $426.3M | $463.9M | $508.4M |
| Patrimônio Líquido | $275.2M | $284.4M | $302.6M | $327.0M | $342.8M | $394.9M | $396.0M | $448.0M | $495.3M | $552.9M |
| Dívida Total | $80.5M | $74.3M | $75.0M | $65.8M | $135.6M | $88.3M | $110.2M | $88.5M | $82.0M | $93.4M |
| Dívida Líquida | -$490.5M | -$465.0M | -$433.2M | -$397.9M | -$257.2M | -$631.6M | -$375.2M | -$332.5M | -$414.5M | -$384.5M |
| Capital de Giro | -$1.85B | -$1.94B | -$2.04B | -$2.19B | -$2.90B | -$3.03B | -$3.51B | -$3.32B | -$3.20B | $12.1M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $68.4M | $62.2M | $64.2M | $67.1M |
| Ativos Totais | $4.32B | $4.39B | $4.45B | $4.45B |
| Passivos Totais | $3.78B | $3.83B | $3.89B | $3.88B |
| Patrimônio Líquido | $540.6M | $552.9M | $559.9M | $570.1M |
| Dívida Total | $83.5M | $93.4M | $67.3M | $80.8M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $11.7M | $10.9M | $26.2M | $30.8M | $31.6M | $33.4M | $33.4M | $52.3M | $52.9M | $61.6M |
| Depreciação e Amortização | $7.0M | $6.6M | $6.5M | $6.3M | $7.2M | $7.7M | $7.8M | $8.1M | $7.8M | $7.5M |
| Compensação em Ações | $1.3M | $1.5M | $1.4M | $1.6M | $892000 | $843000 | $1.6M | $1.2M | $1.8M | $2.3M |
| Variação Capital de Giro | -$9.5M | -$3.5M | -$9.8M | $8.7M | $2.1M | $2.9M | $93000 | -$5.4M | $339000 | $8.1M |
| Fluxo de Caixa Operacional | $22.6M | $38.8M | $34.6M | $53.7M | -$48.6M | $122.2M | $92.7M | $54.8M | $63.6M | $87.6M |
| CapEx | -$4.5M | -$4.0M | -$1.5M | -$3.8M | -$9.7M | -$5.2M | -$6.3M | -$7.0M | -$8.7M | -$7.6M |
| Aquisições | 0 | 0 | 0 | 0 | $3.4M | $2.7M | $2.9M | 0 | 0 | $2.4M |
| Recompra de Ações | -$6.3M | 0 | -$8.0M | -$1.8M | -$2.0M | 0 | 0 | -$3.7M | -$2.3M | 0 |
| Dividendos Pagos | -$2.9M | -$4.1M | -$5.5M | -$8.0M | -$9.6M | -$10.5M | -$11.2M | -$12.9M | -$14.9M | -$17.1M |
| Fluxo de Caixa Livre | $18.2M | $34.8M | $33.2M | $49.9M | -$58.3M | $117.0M | $86.4M | $47.7M | $54.9M | $80.0M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $21.6M | $29.7M | $15.9M | $12.8M |
| CapEx | -$1.7M | -$1.6M | -$1.3M | -$5.3M |
| Fluxo de Caixa Livre | $19.8M | $28.1M | $14.7M | $7.5M |
| Dividendos Pagos | -$4.4M | -$4.4M | -$4.6M | -$4.6M |
| Compensação em Ações | $448000 | 0 | $501000 | $415000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +3.2% | +9.5% | +10.4% | +32.1% | -2.0% | -3.3% | +22.5% | +6.7% | +6.5% |
| Crescimento Lucro Líquido (anual) | | -7.5% | +141.4% | +17.5% | +2.5% | +5.8% | +0.0% | +56.4% | +1.3% | +16.3% |
| Crescimento LPA (anual) | | -7.2% | +140.6% | +19.5% | +2.2% | +5.3% | -0.5% | +56.3% | +1.3% | +15.4% |
| Variação de Ações (anual) | | -0.3% | +0.3% | -1.4% | -0.0% | +0.4% | +0.5% | +0.2% | -0.3% | +1.0% |
| Crescimento FCF (anual) | | +91.4% | -4.6% | +50.5% | -216.9% | +300.5% | -26.2% | -44.7% | +15.0% | +45.8% |
| Margem Bruta | 96.9% | 95.3% | 93.2% | 92.8% | 93.1% | 99.1% | 92.8% | 87.1% | 84.8% | 87.1% |
| Margem Operacional | 13.7% | 17.4% | 20.4% | 25.5% | 25.0% | 23.9% | 20.5% | 26.0% | 25.0% | 30.0% |
| Margem EBITDA | 19.2% | 22.4% | 24.9% | 29.4% | 28.4% | 27.6% | 24.3% | 29.3% | 28.0% | 32.0% |
| Margem Líquida | 9.2% | 8.2% | 18.1% | 19.2% | 14.9% | 16.1% | 16.7% | 21.3% | 20.2% | 22.0% |
| Margem FCF | 14.2% | 26.3% | 22.9% | 31.2% | -27.6% | 56.4% | 43.1% | 19.4% | 20.9% | 28.7% |
| Taxa Efetiva de Imposto | 33.3% | 52.9% | 11.5% | 24.4% | 19.3% | 19.9% | 19.0% | 20.4% | 21.2% | 24.7% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.07 | $2.04 | $1.94 | $2.97 | $-3.47 | $6.92 | $5.09 | $2.80 | $3.23 | $4.67 |
| Dividendo por Ação | $0.17 | $0.24 | $0.32 | $0.48 | $0.57 | $0.62 | $0.66 | $0.76 | $0.88 | $1.00 |
| Ações em Circulação (Básicas) | $17.0M | $17.0M | $17.0M | $16.8M | $16.8M | $16.9M | $17.0M | $17.0M | $16.9M | $17.1M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 11.11% |
| Retorno sobre capital investido | 1.42% |
| Retorno sobre ativos | 1.39% |
| Margem bruta | 90.16% |
| Margem operacional | 30.04% |
| Margem líquida | 22.19% |
Saúde financeira
| Dívida / Patrimônio | 0.14 |
| Liquidez corrente | 1.43 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 29.68 | 35.84 | 15.07 | 16.58 | 13.07 | 13.33 | 16.50 | 9.56 | 11.75 | 11.82 |
| P/VP | 1.26 | 1.37 | 1.31 | 1.56 | 1.20 | 1.13 | 1.39 | 1.12 | 1.25 | 1.31 |
| P/V | 2.71 | 2.94 | 2.73 | 3.19 | 1.95 | 2.15 | 2.75 | 2.03 | 2.37 | 2.60 |
| Margem Bruta | 96.9% | 95.3% | 93.2% | 92.8% | 93.1% | 99.1% | 92.8% | 87.1% | 84.8% | 87.1% |
| Margem Operacional | 13.7% | 17.4% | 20.4% | 25.5% | 25.0% | 23.9% | 20.5% | 26.0% | 25.0% | 30.0% |
| Margem Líquida | 9.2% | 8.2% | 18.1% | 19.2% | 14.9% | 16.1% | 16.7% | 21.3% | 20.2% | 22.0% |