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Side-by-side financial comparison of CAPITAL CITY BANK GROUP INC (CCBG) and STEM, INC. (STEM). Click either name above to swap in a different company.
CAPITAL CITY BANK GROUP INC is the larger business by last-quarter revenue ($63.5M vs $47.1M, roughly 1.3× STEM, INC.). CAPITAL CITY BANK GROUP INC runs the higher net margin — 21.6% vs -33.9%, a 55.5% gap on every dollar of revenue. On growth, CAPITAL CITY BANK GROUP INC posted the faster year-over-year revenue change (6.0% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 6.0%).
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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
CCBG vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $63.5M | $47.1M |
| Net Profit | $13.7M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 29.3% | -17.7% |
| Net Margin | 21.6% | -33.9% |
| Revenue YoY | 6.0% | -15.6% |
| Net Profit YoY | 4.7% | 68.8% |
| EPS (diluted) | $0.80 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $65.9M | $38.2M | ||
| Q2 25 | $63.2M | $38.4M | ||
| Q1 25 | $61.5M | $32.5M | ||
| Q4 24 | $59.9M | $55.8M | ||
| Q3 24 | $59.7M | $29.3M | ||
| Q2 24 | $58.9M | $34.0M | ||
| Q1 24 | $56.5M | $25.5M |
| Q4 25 | $13.7M | $-16.0M | ||
| Q3 25 | $15.9M | $-23.8M | ||
| Q2 25 | $15.0M | $202.5M | ||
| Q1 25 | $16.9M | $-25.0M | ||
| Q4 24 | $13.1M | $-51.1M | ||
| Q3 24 | $13.1M | $-148.3M | ||
| Q2 24 | $14.2M | $-582.3M | ||
| Q1 24 | $12.6M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 29.3% | -17.7% | ||
| Q3 25 | 32.0% | -33.6% | ||
| Q2 25 | 31.7% | -34.8% | ||
| Q1 25 | 35.8% | -65.0% | ||
| Q4 24 | 29.0% | -84.4% | ||
| Q3 24 | 26.1% | -493.2% | ||
| Q2 24 | 29.3% | -1705.5% | ||
| Q1 24 | 27.2% | -267.0% |
| Q4 25 | 21.6% | -33.9% | ||
| Q3 25 | 24.2% | -62.2% | ||
| Q2 25 | 23.8% | 527.8% | ||
| Q1 25 | 27.4% | -76.9% | ||
| Q4 24 | 21.9% | -91.6% | ||
| Q3 24 | 22.0% | -506.3% | ||
| Q2 24 | 24.0% | -1712.6% | ||
| Q1 24 | 22.2% | -283.9% |
| Q4 25 | $0.80 | $-4.40 | ||
| Q3 25 | $0.93 | $-2.84 | ||
| Q2 25 | $0.88 | $-1.79 | ||
| Q1 25 | $0.99 | $-0.15 | ||
| Q4 24 | $0.78 | $-15.29 | ||
| Q3 24 | $0.77 | $-18.24 | ||
| Q2 24 | $0.83 | $-71.81 | ||
| Q1 24 | $0.74 | $-0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $552.9M | $-249.4M |
| Total Assets | $4.4B | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $48.9M | ||
| Q3 25 | — | $43.1M | ||
| Q2 25 | — | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M | ||
| Q1 24 | — | $112.8M |
| Q4 25 | $552.9M | $-249.4M | ||
| Q3 25 | $540.6M | $-235.7M | ||
| Q2 25 | $526.4M | $-214.1M | ||
| Q1 25 | $512.6M | $-417.5M | ||
| Q4 24 | $495.3M | $-398.4M | ||
| Q3 24 | $476.5M | $-344.1M | ||
| Q2 24 | $461.0M | $-203.2M | ||
| Q1 24 | $448.3M | $371.6M |
| Q4 25 | $4.4B | $308.9M | ||
| Q3 25 | $4.3B | $362.6M | ||
| Q2 25 | $4.4B | $379.2M | ||
| Q1 25 | $4.5B | $405.1M | ||
| Q4 24 | $4.3B | $437.4M | ||
| Q3 24 | $4.2B | $537.8M | ||
| Q2 24 | $4.2B | $691.5M | ||
| Q1 24 | $4.3B | $1.3B |
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 | $8.2M |
| Free Cash FlowOCF − Capex | $80.0M | — |
| FCF MarginFCF / Revenue | 126.1% | — |
| Capex IntensityCapex / Revenue | 12.0% | — |
| Cash ConversionOCF / Net Profit | 6.39× | — |
| TTM Free Cash FlowTrailing 4 quarters | $150.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $87.6M | $8.2M | ||
| Q3 25 | $21.6M | $11.4M | ||
| Q2 25 | $32.6M | $-21.3M | ||
| Q1 25 | $21.9M | $8.5M | ||
| Q4 24 | $63.6M | $-14.7M | ||
| Q3 24 | $12.8M | $-9.4M | ||
| Q2 24 | $24.9M | $-11.9M | ||
| Q1 24 | $14.6M | $-621.0K |
| Q4 25 | $80.0M | — | ||
| Q3 25 | $19.8M | — | ||
| Q2 25 | $30.8M | — | ||
| Q1 25 | $19.5M | — | ||
| Q4 24 | $54.9M | — | ||
| Q3 24 | $10.5M | — | ||
| Q2 24 | $23.0M | — | ||
| Q1 24 | $12.4M | — |
| Q4 25 | 126.1% | — | ||
| Q3 25 | 30.1% | — | ||
| Q2 25 | 48.7% | — | ||
| Q1 25 | 31.7% | — | ||
| Q4 24 | 91.7% | — | ||
| Q3 24 | 17.6% | — | ||
| Q2 24 | 39.0% | — | ||
| Q1 24 | 22.0% | — |
| Q4 25 | 12.0% | — | ||
| Q3 25 | 2.6% | — | ||
| Q2 25 | 2.9% | — | ||
| Q1 25 | 3.9% | — | ||
| Q4 24 | 14.5% | — | ||
| Q3 24 | 3.8% | — | ||
| Q2 24 | 3.3% | — | ||
| Q1 24 | 4.0% | — |
| Q4 25 | 6.39× | — | ||
| Q3 25 | 1.35× | — | ||
| Q2 25 | 2.17× | -0.11× | ||
| Q1 25 | 1.30× | — | ||
| Q4 24 | 4.86× | — | ||
| Q3 24 | 0.97× | — | ||
| Q2 24 | 1.76× | — | ||
| Q1 24 | 1.17× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
