Carter Bankshares vs Capital City Bank Group
Capital City Bank Group is the larger business, with $254m of revenue in fiscal 2025 against $153m for Carter Bankshares (1.7 times as much). Carter Bankshares grew faster (12.8% against 8.1%). Capital City Bank Group kept more of each dollar of sales as profit: a net margin of 24.2% against 20.5%.
| Latest fiscal year | Carter BanksharesCARE, 2025 | Capital City Bank GroupCCBG, 2025 |
|---|---|---|
| Revenue | $153m | $254m |
| Revenue growth | 12.8% | 8.1% |
| Net income | $31.4m | $61.6m |
| Operating margin | — | — |
| Net margin | 20.5% | 24.2% |
| Return on equity | 7.8% | 11.7% |
| Free cash flow | $31.8m | $80.0m |
| Cash | $105m | $530m |
| Total debt | $0 | $50.1m |
| Debt to equity | — | — |
| Dividend per share | — | $1.00 |
| Dividend yield | — | 2.1% |
| Share buybacks | $20.0m | $0 |
| Employees | 687 | 902 |
| Market value | $635m | $879m |
| Price vs our value range | — | — |
| Moat score | 53 (Moderate) | 65 (Moderate) |
| Insider trades, 12 months | 1 buys, 6 sales | 1 buys, 1 sales |