Capital City Bank Q3 profit rises as funding costs decline

Reuters10-21

Capital City Bank Q3 profit rises as funding costs decline

Overview

Capital City Bank Q3 net income rises to $16 mln, EPS at $0.93
Net interest income for Q3 increases slightly to $43.6 mln
Noninterest income up 11.6% due to insurance subsidiary sale

Outlook

Company did not provide specific guidance for future quarters or full year

Result Drivers

NET INTEREST MARGIN - Increased by four basis points to 4.34% due to lower cost of funds and higher investment securities income
NONINTEREST INCOME - Increased by 11.6% due to $0.7 mln gain from insurance subsidiary sale and higher mortgage banking revenues
CREDIT LOSSES - Provision for credit losses rose by $1.3 mln to $1.9 mln, reflecting higher net loan charge-offs

Key Details

Metric	Beat/Miss	Actual	Consensus Estimate
Q3 EPS		$0.93
Q3 Net Income		$15.95 mln
Q3 Net Interest Income		$43.60 mln

Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 2 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"
The average consensus recommendation for the banks peer group is "buy"
Wall Street's median 12-month price target for Capital City Bank Group Inc is $46.00, about 10.9% above its October 20 closing price of $40.99
The stock recently traded at 12 times the next 12-month earnings vs. a P/E of 12 three months ago

Press Release: ID:nGNX7cGbjh

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)

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For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.</p><p>(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4211","symbol_name":"区域性银行","start_time":0,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20251021:nL1N3W20CC:1","article_id":"2577824601","we_media_id":"1032215980","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2577824601","pubTimestamp":1761045258,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Reuters","introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"id":"1032215980","head_image":"https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48"},"summary":"Capital City Bank Q3 profit rises as funding costs declineOverviewCapital City Bank Q3 net income rises to $16 mln, EPS at $0.93Net interest income for Q3 increases slightly to $43.6 mlnNoninterest in","collect":0,"end_time":0,"defaultTopTitle":"","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4211":"区域性银行","CCBG":"Capital City Bank Group"},"translate_title":"随着融资成本下降，首都银行第三季度利润上升","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"CCBG":0.9},"content_text":"Capital City Bank Q3 profit rises as funding costs declineOverviewCapital City Bank Q3 net income rises to $16 mln, EPS at $0.93Net interest income for Q3 increases slightly to $43.6 mlnNoninterest income up 11.6% due to insurance subsidiary saleOutlookCompany did not provide specific guidance for future quarters or full yearResult DriversNET INTEREST MARGIN - Increased by four basis points to 4.34% due to lower cost of funds and higher investment securities incomeNONINTEREST INCOME - Increased by 11.6% due to $0.7 mln gain from insurance subsidiary sale and higher mortgage banking revenuesCREDIT LOSSES - Provision for credit losses rose by $1.3 mln to $1.9 mln, reflecting higher net loan charge-offsKey DetailsMetricBeat/MissActualConsensus EstimateQ3 EPS$0.93Q3 Net Income$15.95 mlnQ3 Net Interest Income$43.60 mlnAnalyst CoverageThe current average analyst rating on the shares is \"buy\" and the breakdown of recommendations is 2 \"strong buy\" or \"buy\", 1 \"hold\" and no \"sell\" or \"strong sell\"The average consensus recommendation for the banks peer group is \"buy\"Wall Street's median 12-month price target for Capital City Bank Group Inc is $46.00, about 10.9% above its October 20 closing price of $40.99The stock recently traded at 12 times the next 12-month earnings vs. a P/E of 12 three months agoPress Release: ID:nGNX7cGbjhFor questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.(This story was created using Reuters automation and AI based on LSEG and company data. 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