Capital City Bank Group (CCBG) — Cash Flow Quality Index
Capital City Bank Group (CCBG) has a Cash Flow Quality Index of 0.78x as of June 2026. Operating cash flow of $12.77 Million is below net income of $16.28 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Capital City Bank Group debt service capacity to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Capital City Bank Group Cash Flow Quality Index (1994–2025)
Historical Cash Flow Quality Index for Capital City Bank Group across 30 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see CCBG cash flow conversion.
Annual Cash Flow Quality Index for Capital City Bank Group (1994–2025)
Year-by-year earnings quality comparison for Capital City Bank Group.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.42x | $87.61 Million | $61.56 Million | ▲ +18.5% |
| 2024 | 1.20x | $63.57 Million | $52.91 Million | ▲ +14.6% |
| 2023 | 1.05x | $54.78 Million | $52.26 Million | ▼ -30.5% |
| 2022 | 1.51x | $60.56 Million | $40.15 Million | ▼ -56.5% |
| 2021 | 3.47x | $115.92 Million | $33.40 Million | ▲ +325.5% |
| 2020 | -1.54x | $-48.61 Million | $31.58 Million | ▼ -188.3% |
| 2019 | 1.74x | $53.69 Million | $30.81 Million | ▲ +32.0% |
| 2018 | 1.32x | $34.63 Million | $26.22 Million | ▼ -63.0% |
| 2017 | 3.57x | $38.78 Million | $10.86 Million | ▲ +85.4% |
| 2016 | 1.93x | $22.62 Million | $11.75 Million | ▼ -48.0% |
| 2015 | 3.70x | $33.76 Million | $9.12 Million | ▲ +36.4% |
| 2014 | 2.72x | $25.15 Million | $9.26 Million | ▼ -52.9% |
| 2013 | 5.77x | $34.85 Million | $6.04 Million | ▼ -98.9% |
| 2012 | 525.10x | $56.71 Million | $108.00K | ▲ +6752.9% |
| 2011 | 7.66x | $37.52 Million | $4.90 Million | ▲ +148.3% |
| 2008 | 3.09x | $46.98 Million | $15.22 Million | ▲ +95.1% |
| 2007 | 1.58x | $46.95 Million | $29.68 Million | ▲ +13.9% |
| 2006 | 1.39x | $46.19 Million | $33.27 Million | ▼ -13.8% |
| 2005 | 1.61x | $48.76 Million | $30.28 Million | ▲ +7.1% |
| 2004 | 1.50x | $44.17 Million | $29.37 Million | ▲ +0.1% |
| 2003 | 1.50x | $37.85 Million | $25.19 Million | ▼ -8.9% |
| 2002 | 1.65x | $38.06 Million | $23.08 Million | ▼ -16.7% |
| 2001 | 1.98x | $33.37 Million | $16.87 Million | ▲ +34.3% |
| 2000 | 1.47x | $26.75 Million | $18.15 Million | ▼ -8.0% |
| 1999 | 1.60x | $24.50 Million | $15.30 Million | ▲ +50.3% |
| 1998 | 1.07x | $16.30 Million | $15.30 Million | ▼ -31.2% |
| 1997 | 1.55x | $22.30 Million | $14.40 Million | ▼ -26.7% |
| 1996 | 2.11x | $24.10 Million | $11.40 Million | ▲ +19.0% |
| 1995 | 1.78x | $16.92 Million | $9.52 Million | ▲ +14.6% |
| 1994 | 1.55x | $13.69 Million | $8.83 Million | — |