vs
Side-by-side financial comparison of CAPITAL CITY BANK GROUP INC (CCBG) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $63.5M, roughly 1.2× CAPITAL CITY BANK GROUP INC). CAPITAL CITY BANK GROUP INC runs the higher net margin — 21.6% vs -178.3%, a 199.9% gap on every dollar of revenue. On growth, CAPITAL CITY BANK GROUP INC posted the faster year-over-year revenue change (6.0% vs 0.4%). CAPITAL CITY BANK GROUP INC produced more free cash flow last quarter ($80.0M vs $23.2M). Over the past eight quarters, CAPITAL CITY BANK GROUP INC's revenue compounded faster (6.0% CAGR vs -1.3%).
Texas Capital Bank is a bank headquartered in Dallas, Texas. The bank has branches located in every major city in Texas. Its parent bank holding company is Texas Capital Bancshares. It also operates an online-only banking division, Bask Bank.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
CCBG vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $63.5M | $78.6M |
| Net Profit | $13.7M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 29.3% | -182.2% |
| Net Margin | 21.6% | -178.3% |
| Revenue YoY | 6.0% | 0.4% |
| Net Profit YoY | 4.7% | -3304.1% |
| EPS (diluted) | $0.80 | $-1.68 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $63.5M | $78.6M | ||
| Q3 25 | $65.9M | $77.7M | ||
| Q2 25 | $63.2M | $75.6M | ||
| Q1 25 | $61.5M | $77.3M | ||
| Q4 24 | $59.9M | $78.3M | ||
| Q3 24 | $59.7M | $79.1M | ||
| Q2 24 | $58.9M | $74.9M | ||
| Q1 24 | $56.5M | $80.7M |
| Q4 25 | $13.7M | $-140.1M | ||
| Q3 25 | $15.9M | $-6.4M | ||
| Q2 25 | $15.0M | $-102.3M | ||
| Q1 25 | $16.9M | $-7.9M | ||
| Q4 24 | $13.1M | $-4.1M | ||
| Q3 24 | $13.1M | $3.2M | ||
| Q2 24 | $14.2M | $-4.1M | ||
| Q1 24 | $12.6M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 29.3% | -182.2% | ||
| Q3 25 | 32.0% | -3.9% | ||
| Q2 25 | 31.7% | -138.7% | ||
| Q1 25 | 35.8% | -4.7% | ||
| Q4 24 | 29.0% | -1.5% | ||
| Q3 24 | 26.1% | -0.9% | ||
| Q2 24 | 29.3% | -4.6% | ||
| Q1 24 | 27.2% | -3.1% |
| Q4 25 | 21.6% | -178.3% | ||
| Q3 25 | 24.2% | -8.3% | ||
| Q2 25 | 23.8% | -135.2% | ||
| Q1 25 | 27.4% | -10.3% | ||
| Q4 24 | 21.9% | -5.3% | ||
| Q3 24 | 22.0% | 4.1% | ||
| Q2 24 | 24.0% | -5.4% | ||
| Q1 24 | 22.2% | -6.5% |
| Q4 25 | $0.80 | $-1.68 | ||
| Q3 25 | $0.93 | $-0.08 | ||
| Q2 25 | $0.88 | $-1.15 | ||
| Q1 25 | $0.99 | $-0.09 | ||
| Q4 24 | $0.78 | $-0.04 | ||
| Q3 24 | $0.77 | $0.03 | ||
| Q2 24 | $0.83 | $-0.04 | ||
| Q1 24 | $0.74 | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $552.9M | $484.4M |
| Total Assets | $4.4B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | — | $128.3M |
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $552.9M | $484.4M | ||
| Q3 25 | $540.6M | $616.9M | ||
| Q2 25 | $526.4M | $633.7M | ||
| Q1 25 | $512.6M | $755.7M | ||
| Q4 24 | $495.3M | $761.3M | ||
| Q3 24 | $476.5M | $754.7M | ||
| Q2 24 | $461.0M | $815.4M | ||
| Q1 24 | $448.3M | $813.8M |
| Q4 25 | $4.4B | $1.2B | ||
| Q3 25 | $4.3B | $1.3B | ||
| Q2 25 | $4.4B | $1.4B | ||
| Q1 25 | $4.5B | $1.5B | ||
| Q4 24 | $4.3B | $1.6B | ||
| Q3 24 | $4.2B | $1.6B | ||
| Q2 24 | $4.2B | $1.5B | ||
| Q1 24 | $4.3B | $1.5B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $87.6M | $23.3M |
| Free Cash FlowOCF − Capex | $80.0M | $23.2M |
| FCF MarginFCF / Revenue | 126.1% | 29.6% |
| Capex IntensityCapex / Revenue | 12.0% | 0.1% |
| Cash ConversionOCF / Net Profit | 6.39× | — |
| TTM Free Cash FlowTrailing 4 quarters | $150.1M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $87.6M | $23.3M | ||
| Q3 25 | $21.6M | $32.2M | ||
| Q2 25 | $32.6M | $33.1M | ||
| Q1 25 | $21.9M | $2.5M | ||
| Q4 24 | $63.6M | $34.3M | ||
| Q3 24 | $12.8M | $60.1M | ||
| Q2 24 | $24.9M | $31.0M | ||
| Q1 24 | $14.6M | $24.8M |
| Q4 25 | $80.0M | $23.2M | ||
| Q3 25 | $19.8M | $32.1M | ||
| Q2 25 | $30.8M | $33.0M | ||
| Q1 25 | $19.5M | $2.4M | ||
| Q4 24 | $54.9M | $34.0M | ||
| Q3 24 | $10.5M | $59.8M | ||
| Q2 24 | $23.0M | $30.5M | ||
| Q1 24 | $12.4M | $24.7M |
| Q4 25 | 126.1% | 29.6% | ||
| Q3 25 | 30.1% | 41.3% | ||
| Q2 25 | 48.7% | 43.6% | ||
| Q1 25 | 31.7% | 3.0% | ||
| Q4 24 | 91.7% | 43.5% | ||
| Q3 24 | 17.6% | 75.6% | ||
| Q2 24 | 39.0% | 40.7% | ||
| Q1 24 | 22.0% | 30.6% |
| Q4 25 | 12.0% | 0.1% | ||
| Q3 25 | 2.6% | 0.2% | ||
| Q2 25 | 2.9% | 0.1% | ||
| Q1 25 | 3.9% | 0.2% | ||
| Q4 24 | 14.5% | 0.3% | ||
| Q3 24 | 3.8% | 0.3% | ||
| Q2 24 | 3.3% | 0.6% | ||
| Q1 24 | 4.0% | 0.1% |
| Q4 25 | 6.39× | — | ||
| Q3 25 | 1.35× | — | ||
| Q2 25 | 2.17× | — | ||
| Q1 25 | 1.30× | — | ||
| Q4 24 | 4.86× | — | ||
| Q3 24 | 0.97× | 18.52× | ||
| Q2 24 | 1.76× | — | ||
| Q1 24 | 1.17× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CCBG
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
