Colony Bankcorp, Inc.(CBAN)Earnings, Financials & Key Ratios

CBAN•NASDAQ•Banking & Credit

12.9× P/E·Price updated Jun 17, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommunity and retail regional banks

AboutColony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and consumer customers. The company offers various deposit products, including demand, savings, and time deposits. It also provides loans to small and medium-sized businesses; residential and commercial construction, and land development loans; commercial real estate loans; commercial loans; agri-business and production loans; residential mortgage loans; home equity loans; and consumer loans. In addition, the company offers internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, and remote depository products, as well as access to a network of ATMs. As of January 20, 2022, it operated 39 locations throughout Georgia. The company was founded in 1975 and is headquartered in Fitzgerald, Georgia.Show more

Net Interest Income$92M+20.8%
Total Revenue$186M+5.4%
Net Income$28M+18.4%
Return on Equity8.63%-3.5%
Net Interest Margin2.46%+0.6%
Efficiency Ratio47.51%+1.3%
ROA0.83%+6.6%
Equity / Assets10.06%+12.3%
Book Value per Share21.13+33.1%

CBAN Key Insights

Colony Bankcorp, Inc. (CBAN) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong 5Y profit CAGR of 19.0%
✓Efficient operations: 47.5% efficiency ratio
✓Well capitalized: 10.1% equity/assets
✓Healthy dividend yield of 2.2%
✓Trading at only 1.0x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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CBAN Price & Volume

Colony Bankcorp, Inc. (CBAN) stock price & volume — 10-year historical chart

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CBAN Growth Metrics

Colony Bankcorp, Inc. (CBAN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years13.31%

5 Years16.33%

3 Years13.72%

TTM-

Profit CAGR

10 Years12.93%

5 Years19.05%

3 Years13.07%

TTM18.37%

EPS CAGR

10 Years8.4%

5 Years5.1%

3 Years11.73%

TTM17.78%

Return on Capital

10 Years6.4%

5 Years5.29%

3 Years4.34%

Last Year1.68%

CBAN Recent Earnings

Colony Bankcorp, Inc. (CBAN) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 3/12 qtrs (30%)●Beat Revenue 4/12 qtrs (44%)

Q2 2026Latest

Apr 22, 2026

Metric

Actual

Est

EPS

$0.45+0.0%

$0.45

Rev

$40M-0.8%

$40M

Q2 2026

Mar 13, 2026

Metric

Actual

Est

EPS

$0.42

—

Rev

$52M

—

Q1 2026

Jan 28, 2026

Metric

Actual

Est

EPS

$0.48+4.3%

$0.46

Rev

$37M+1.4%

$36M

Q4 2025

Oct 22, 2025

Metric

Actual

Est

EPS

$0.47+0.0%

$0.47

Rev

$33M-13.3%

$38M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 22, 2026	$0.45vs $0.45+0.0%	$40Mvs $40M-0.8%
Q2 2026	Mar 13, 2026	$0.42	$52M
Q1 2026	Jan 28, 2026	$0.48vs $0.46+4.3%	$37Mvs $36M+1.4%
Q4 2025	Oct 22, 2025	$0.47vs $0.47+0.0%	$33Mvs $38M-13.3%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
SBCFSeacoast Banking Corporation of FloridaDirect Competitor	2.99B	30.60	19.37	7.49%	16.13%	5.83%	0.44
HOMBHome Bancshares, Inc.Direct Competitor	5.43B	27.46	11.39	-5.35%	34.59%	11.43%	0.22
SFBSServisFirst Bancshares, Inc.Direct Competitor	4.36B	79.69	15.75	4.13%	27.18%	15.75%	0.81
HBCPHome Bancorp, Inc.Direct Competitor	513.75M	65.55	11.17	4.93%	22.01%	11.03%	0.13
CZWICitizens Community Bancorp, Inc.Direct Competitor	204.61M	21.25	14.55	-9.41%	16.01%	7.81%	0.28
FFINFirst Financial Bankshares, Inc.Product Competitor	4.67B	32.57	18.40	11.71%	30.71%	14.16%	0.01
GABCGerman American Bancorp, Inc.Product Competitor	1.68B	44.69	14.60	54.54%	23.11%	10.25%	0.16
NBTBNBT Bancorp Inc.Product Competitor	2.42B	46.35	13.92	10.36%	18.76%	9.51%	0.17

Compare CBAN vs Peers

Colony Bankcorp, Inc. (CBAN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SBCF

Most directly comparable listed peer for CBAN.

Scale Benchmark

vs FISV

Larger-name benchmark to compare CBAN against a more recognizable public peer.

Peer Set

Compare Top 5

vs SBCF, HOMB, SFBS, HBCP

CBAN Income Statement

Colony Bankcorp, Inc. (CBAN) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	38.89M	40.61M	47.85M	55.24M	66.19M	80.67M	78.24M	76.08M	91.9M
NII Growth %	2.42%	4.41%	17.82%	15.46%	19.81%	21.88%	-3.01%	-2.77%	20.8%
Net Interest Margin %	3.16%	3.24%	3.16%	3.13%	2.46%	2.75%	2.56%	2.45%	2.46%
Interest Income	45.77M	48.84M	60.25M	63.13M	70.59M	91.49M	124.92M	137.24M	149.95M
Interest Expense	6.87M	8.22M	12.64M	7.88M	4.4M	10.87M	46.67M	61.16M	58.05M
Loan Loss Provision	390K	201K	1.1M	6.56M	700K	3.37M	3.6M	3.05M	4.5M
Non-Interest Income	9.88M	9.81M	14.24M	24.24M	36.29M	35.07M	35.63M	39.38M	36.15M
Non-Interest Income %	17.76%	16.72%	19.11%	27.75%	33.96%	27.71%	22.19%	22.29%	19.43%
Total Revenue	55.65M▲ 0%	58.64M▲ 5.4%	74.49M▲ 27.0%	87.37M▲ 17.3%	106.88M▲ 22.3%	126.56M▲ 18.4%	160.55M▲ 26.9%	176.62M▲ 10.0%	186.11M▲ 5.4%
Revenue Growth %	2.79%	5.38%	27.02%	17.29%	22.33%	18.42%	26.85%	10.01%	5.37%
Non-Interest Expense	33.86M	35.3M	48.14M	58.3M	78.63M	89.47M	83.06M	82.83M	88.42M
Efficiency Ratio	60.84%	60.19%	64.62%	66.73%	73.57%	70.7%	51.74%	46.9%	47.51%
Operating Income	14.53M▲ 0%	14.92M▲ 2.7%	12.61M▼ 15.5%	14.63M▲ 16.0%	23.15M▲ 58.3%	22.85M▼ 1.3%	27.21M▲ 19.1%	29.57M▲ 8.7%	35.13M▲ 18.8%
Operating Margin %	26.11%	25.44%	16.93%	16.75%	21.66%	18.06%	16.95%	16.74%	18.88%
Operating Income Growth %	16%	2.67%	-15.47%	16.03%	58.26%	-1.3%	19.08%	8.65%	18.83%
Pretax Income	14.53M▲ 0%	14.92M▲ 2.7%	12.61M▼ 15.5%	14.63M▲ 16.0%	23.15M▲ 58.3%	22.85M▼ 1.3%	27.21M▲ 19.1%	29.57M▲ 8.7%	35.13M▲ 18.8%
Pretax Margin %	26.11%	25.44%	16.93%	16.75%	21.66%	18.06%	16.95%	16.74%	18.88%
Income Tax	6.78M	3M	2.4M	2.81M	4.5M	3.31M	5.47M	5.7M	6.88M
Effective Tax Rate %	46.65%	20.11%	19.02%	19.24%	19.41%	14.48%	20.09%	19.27%	19.59%
Net Income	7.75M▲ 0%	11.92M▲ 53.7%	10.21M▼ 14.3%	11.81M▲ 15.7%	18.66M▲ 57.9%	19.54M▲ 4.7%	21.75M▲ 11.3%	23.87M▲ 9.8%	28.25M▲ 18.4%
Net Margin %	13.93%	20.32%	13.71%	13.52%	17.46%	15.44%	13.55%	13.51%	15.18%
Net Income Growth %	-10.63%	53.75%	-14.32%	15.71%	57.93%	4.73%	11.28%	9.75%	18.37%
Net Income (Continuing)	7.75M	11.92M	10.21M	11.81M	18.66M	19.54M	21.75M	23.87M	28.25M
EPS (Diluted)	0.87▲ 0%	1.40▲ 60.9%	1.12▼ 20.0%	1.24▲ 10.7%	1.66▲ 33.9%	1.14▼ 31.3%	1.24▲ 8.8%	1.36▲ 9.7%	1.59▲ 16.9%
EPS Growth %	3.57%	60.92%	-20%	10.71%	33.87%	-31.33%	8.77%	9.68%	16.91%
EPS (Basic)	0.89	1.41	1.12	1.24	1.66	1.14	1.24	1.36	1.59
Diluted Shares Outstanding	8.63M	8.54M	9.13M	9.5M	11.25M	17.19M	17.58M	17.56M	17.79M

CBAN Balance Sheet

Colony Bankcorp, Inc. (CBAN) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	412.06M	363.44M	362.9M	398.03M	957.14M	453.14M	432.72M	64.84M	411.12M
Cash & Due from Banks	57.81M	10.38M	15.57M	17.22M	18.98M	20.58M	25.34M	26.05M	27.31M
Short Term Investments	354.25M	353.07M	347.33M	380.81M	938.16M	432.55M	407.38M	38.8M	383.82M
Total Investments	1.11B	1.13B	1.32B	1.48B	2.32B	2.65B	2.77B	2.68B	3.23B
Investments Growth %	4.01%	1.69%	17.11%	12.1%	56.04%	14.49%	4.35%	-3.21%	20.51%
Long-Term Investments	757.28M	777.23M	976.32M	1.1B	1.38B	2.22B	2.36B	2.64B	3B
Accounts Receivables	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles	44.77K	758.82K	19.53M	18.26M	60.3M	54.59M	53.12M	51.9M	71.72M
Goodwill	0	202.24K	16.48M	15.99M	52.91M	48.92M	48.92M	48.92M	63.87M
Intangible Assets	44.77K	556.57K	3.06M	2.27M	7.39M	5.66M	4.19M	2.98M	7.85M
PP&E (Net)	27.64M	28.83M	32.48M	32.06M	43.03M	41.61M	39.87M	37.83M	37.05M
Other Assets	35.73M	78.15M	122.58M	212.43M	250.38M	140.67M	143.35M	294.51M	-3B
Total Current Assets	412.06M	363.44M	362.9M	398.03M	957.14M	453.14M	432.72M	64.84M	411.12M
Total Non-Current Assets	820.7M	888.43M	1.15B	1.37B	1.73B	2.48B	2.62B	3.04B	128.35M
Total Assets	1.23B▲ 0%	1.25B▲ 1.6%	1.52B▲ 21.0%	1.76B▲ 16.4%	2.69B▲ 52.6%	2.94B▲ 9.1%	3.05B▲ 4.0%	3.11B▲ 1.8%	3.74B▲ 20.1%
Asset Growth %	1.84%	1.55%	21.04%	16.41%	52.59%	9.1%	3.98%	1.85%	20.12%
Return on Assets (ROA)	0.63%	0.96%	0.74%	0.72%	0.84%	0.69%	0.73%	0.77%	0.83%
Accounts Payable	0	0	0	0	0	0	0	0	0
Total Debt	71.73M	68.23M	85.79M	60.29M	88.45M	203.35M	238.44M	248.04M	268.43M
Net Debt	13.92M	57.85M	70.22M	43.07M	69.47M	182.77M	213.11M	221.99M	241.12M
Long-Term Debt	71.73M	68.23M	80.48M	54.98M	83.14M	203.35M	238.44M	248.04M	173.13M
Short-Term Debt	0	0	5.31M	5.31M	5.31M	0	0	0	86.36M
Other Liabilities	2.72M	2.83M	5.27M	114.17M	10.95M	11.95M	15.25M	15.13M	3.09B
Total Current Liabilities	1.07B	1.09B	1.3B	1.45B	2.38B	2.49B	2.54B	2.57B	86.36M
Total Non-Current Liabilities	74.45M	71.06M	85.75M	169.15M	94.09M	215.31M	253.7M	263.16M	3.28B
Total Liabilities	1.14B	1.16B	1.38B	1.62B	2.47B	2.71B	2.8B	2.83B	3.36B
Total Equity	90.32M▲ 0%	95.69M▲ 5.9%	130.51M▲ 36.4%	144.49M▲ 10.7%	217.71M▲ 50.7%	230.27M▲ 5.8%	254.94M▲ 10.7%	278.68M▲ 9.3%	375.92M▲ 34.9%
Equity Growth %	-3.28%	5.94%	36.38%	10.71%	50.67%	5.77%	10.71%	9.31%	34.9%
Equity / Assets (Capital Ratio)	7.33%	7.64%	8.61%	8.19%	8.09%	7.84%	8.35%	8.96%	10.06%
Return on Equity (ROE)	8.44%	12.81%	9.03%	8.59%	10.3%	8.72%	8.96%	8.95%	8.63%
Book Value per Share	10.46	11.21	14.29	15.21	19.34	13.39	14.50	15.87	21.13
Tangible BV per Share	10.46	11.12	12.15	13.29	13.99	10.22	11.48	12.92	17.10
Common Stock	8.44M	8.45M	9.5M	9.5M	13.67M	17.6M	17.56M	17.52M	21.25M
Additional Paid-in Capital	29.14M	25.98M	43.67M	43.22M	111.02M	167.54M	168.61M	168.35M	228.58M
Retained Earnings	59.23M	69.46M	76.98M	84.99M	99.19M	111.57M	124.4M	140.37M	160.58M
Accumulated OCI	-6.49M	-8.19M	362K	6.78M	-6.18M	-66.44M	-55.64M	-47.57M	-34.49M
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

CBAN Cash Flow Statement

Colony Bankcorp, Inc. (CBAN) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	12.55M	14.91M	3.88M	-19.09M	36.1M	49.74M	20.98M	23.4M	9.59M
Operating CF Growth %	-6.3%	18.86%	-74%	-592.49%	289.09%	37.77%	-57.82%	11.52%	-59.01%
Net Income	7.75M	11.92M	10.21M	11.81M	18.66M	19.54M	21.75M	23.87M	28.25M
Depreciation & Amortization	3.1M	1.83M	2.9M	5.86M	8.63M	11.63M	8.7M	8.13M	93K
Deferred Taxes	2.83M	273.18K	0	0	-2.74M	1.13M	-485K	755K	96K
Other Non-Cash Items	-1.16M	609.82K	-10.22M	-38.21M	13.08M	23.64M	-7.58M	-8.64M	-11.08M
Working Capital Changes	28K	268K	953K	1.41M	-2.12M	-7.95M	-3.1M	-2.01M	-8.56M
Cash from Investing	-32.83M	-9.32M	6.75M	-130.27M	-208.33M	-448.23M	-98.75M	101.16M	1.29M
Purchase of Investments	-87.16M	-63.68M	-72.48M	-181.69M	-470M	-174.22M	-3.92M	-56.62M	0
Sale/Maturity of Investments	54.59M	61.69M	138.83M	155.07M	201.14M	130.68M	57.08M	120.42M	0
Net Investment Activity	-32.57M	-1.99M	66.34M	-26.62M	-268.86M	-43.54M	53.16M	63.8M	0
Acquisitions	0	-10.04M	-467K	0	33.3M	0	0	0	0
Other Investing	1.09M	5.48M	-55.65M	-99.41M	33.06M	-401.8M	-148.29M	38.44M	1.29M
Cash from Financing	14.61M	-3.25M	33.26M	228.77M	185.95M	281.93M	80.41M	23.15M	-10.72M
Dividends Paid	-1.16M	-1.69M	-2.69M	-3.8M	-4.46M	-7.16M	-7.72M	-7.9M	-8.04M
Share Repurchases	0	0	0	0	0	0	-406K	-1.3M	-2.37M
Stock Issued	0	0	0	0	0	59.47M	0	0	0
Net Stock Activity	0	0	0	0	0	59.47M	-406K	-1.3M	-2.37M
Debt Issuance (Net)	1000K	-1000K	1000K	1000K	-1000K	1000K	1000K	1000K	0
Other Financing	23.63M	1.93M	19.39M	151.28M	298.21M	115.62M	53.54M	22.86M	-311K
Net Change in Cash	-5.68M▲ 0%	2.34M▲ 141.3%	43.94M▲ 1775.2%	79.41M▲ 80.7%	13.73M▼ 82.7%	-116.55M▼ 949.1%	2.64M▲ 102.3%	147.71M▲ 5486.7%	163K▼ 99.9%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	28.82M	57.81M	60.16M	104.09M	183.51M	197.23M	80.68M	83.32M	28.69M
Cash at End	23.15M	60.16M	104.09M	183.51M	197.23M	80.68M	83.32M	231.03M	28.86M
Interest Paid	0	8.2M	12.24M	7.82M	4.39M	10.22M	44.85M	61.75M	57.29M
Income Taxes Paid	0	2.69M	2M	2.45M	3.86M	3.84M	5.21M	4.72M	4.44M
Free Cash Flow	11.2M▲ 0%	12.15M▲ 8.5%	392K▼ 96.8%	-23.34M▼ 6052.8%	30.27M▲ 229.7%	46.85M▲ 54.8%	17.36M▼ 62.9%	22.32M▲ 28.5%	-6.9M▼ 130.9%
FCF Growth %	10.58%	8.52%	-96.77%	-6052.81%	229.7%	54.78%	-62.93%	28.54%	-130.91%

CBAN Banking Ratios

Colony Bankcorp, Inc. (CBAN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	9.19%	8.44%	12.81%	9.03%	8.59%	10.3%	8.72%	8.96%	8.95%	8.63%
Return on Assets (ROA)	0.73%	0.63%	0.96%	0.74%	0.72%	0.84%	0.69%	0.73%	0.77%	0.83%
Net Interest Margin	3.14%	3.16%	3.24%	3.16%	3.13%	2.46%	2.75%	2.56%	2.45%	2.46%
Efficiency Ratio	62.93%	60.84%	60.19%	64.62%	66.73%	73.57%	70.7%	51.74%	46.9%	47.51%
Equity / Assets	7.72%	7.33%	7.64%	8.61%	8.19%	8.09%	7.84%	8.35%	8.96%	10.06%
Book Value / Share	10.97	10.46	11.21	14.29	15.21	19.34	13.39	14.5	15.87	21.13
NII Growth	1.04%	2.42%	4.41%	17.82%	15.46%	19.81%	21.88%	-3.01%	-2.77%	20.8%
Dividend Payout	-	10.89%	14.16%	26.36%	32.16%	23.92%	36.63%	35.51%	33.09%	28.45%

CBAN SEC Filings & Documents

Colony Bankcorp, Inc. (CBAN) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 22, 2026·SEC

Material company update

Jan 28, 2026·SEC

Material company update

Dec 22, 2025·SEC

10-K Annual Reports

FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 14, 2024·SEC

10-Q Quarterly Reports

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

CBAN Frequently Asked Questions

Colony Bankcorp, Inc. (CBAN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Colony Bankcorp, Inc. (CBAN) grew revenue by 5.4% over the past year. This is steady growth.

Yes, Colony Bankcorp, Inc. (CBAN) is profitable, generating $28.3M in net income for fiscal year 2025 (15.2% net margin).

Dividend & Returns

Yes, Colony Bankcorp, Inc. (CBAN) pays a dividend with a yield of 2.21%. This makes it attractive for income-focused investors.

Colony Bankcorp, Inc. (CBAN) has a return on equity (ROE) of 8.6%. This is below average, suggesting room for improvement.

Industry Metrics

Colony Bankcorp, Inc. (CBAN) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.

Colony Bankcorp, Inc. (CBAN) has an efficiency ratio of 47.5%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CBAN back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in CBAN be worth today?

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Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 22, 2026

$0.45vs $0.45+0.0%

$40Mvs $40M-0.8%

Q2 2026

Mar 13, 2026

$0.42

$52M

Q1 2026

Jan 28, 2026

$0.48vs $0.46+4.3%

$37Mvs $36M+1.4%

Q4 2025

Oct 22, 2025

$0.47vs $0.47+0.0%

$33Mvs $38M-13.3%

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Net Interest Income

38.89M

40.61M

47.85M

55.24M

66.19M

80.67M

78.24M

76.08M

91.9M

NII Growth %

2.42%

4.41%

17.82%

15.46%

19.81%

21.88%

-3.01%

-2.77%

20.8%

Net Interest Margin %

3.16%

3.24%

3.16%

3.13%

2.46%

2.75%

2.56%

2.45%

2.46%

Interest Income

45.77M

48.84M

60.25M

63.13M

70.59M

91.49M

124.92M

137.24M

149.95M

Interest Expense

6.87M

8.22M

12.64M

7.88M

4.4M

10.87M

46.67M

61.16M

58.05M

Loan Loss Provision

390K

201K

1.1M

6.56M

700K

3.37M

3.6M

3.05M

4.5M

Non-Interest Income

9.88M

9.81M

14.24M

24.24M

36.29M

35.07M

35.63M

39.38M

36.15M

Non-Interest Income %

17.76%

16.72%

19.11%

27.75%

33.96%

27.71%

22.19%

22.29%

19.43%

Total Revenue

55.65M▲ 0%

58.64M▲ 5.4%

74.49M▲ 27.0%

87.37M▲ 17.3%

106.88M▲ 22.3%

126.56M▲ 18.4%

160.55M▲ 26.9%

176.62M▲ 10.0%

186.11M▲ 5.4%

Revenue Growth %

2.79%

5.38%

27.02%

17.29%

22.33%

18.42%

26.85%

10.01%

5.37%

Non-Interest Expense

33.86M

35.3M

48.14M

58.3M

78.63M

89.47M

83.06M

82.83M

88.42M

Efficiency Ratio

60.84%

60.19%

64.62%

66.73%

73.57%

70.7%

51.74%

46.9%

47.51%

Operating Income

14.53M▲ 0%

14.92M▲ 2.7%

12.61M▼ 15.5%

14.63M▲ 16.0%

23.15M▲ 58.3%

22.85M▼ 1.3%

27.21M▲ 19.1%

29.57M▲ 8.7%

35.13M▲ 18.8%

Operating Margin %

26.11%

25.44%

16.93%

16.75%

21.66%

18.06%

16.95%

16.74%

18.88%

Operating Income Growth %

16%

2.67%

-15.47%

16.03%

58.26%

-1.3%

19.08%

8.65%

18.83%

Pretax Income

14.53M▲ 0%

14.92M▲ 2.7%

12.61M▼ 15.5%

14.63M▲ 16.0%

23.15M▲ 58.3%

22.85M▼ 1.3%

27.21M▲ 19.1%

29.57M▲ 8.7%

35.13M▲ 18.8%

Pretax Margin %

26.11%

25.44%

16.93%

16.75%

21.66%

18.06%

16.95%

16.74%

18.88%

Income Tax

6.78M

2.4M

2.81M

4.5M

3.31M

5.47M

5.7M

6.88M

Effective Tax Rate %

46.65%

20.11%

19.02%

19.24%

19.41%

14.48%

20.09%

19.27%

19.59%

Net Income

7.75M▲ 0%

11.92M▲ 53.7%

10.21M▼ 14.3%

11.81M▲ 15.7%

18.66M▲ 57.9%

19.54M▲ 4.7%

21.75M▲ 11.3%

23.87M▲ 9.8%

28.25M▲ 18.4%

Net Margin %

13.93%

20.32%

13.71%

13.52%

17.46%

15.44%

13.55%

13.51%

15.18%

Net Income Growth %

-10.63%

53.75%

-14.32%

15.71%

57.93%

4.73%

11.28%

9.75%

18.37%

Net Income (Continuing)

7.75M

11.92M

10.21M

11.81M

18.66M

19.54M

21.75M

23.87M

28.25M

EPS (Diluted)

0.87▲ 0%

1.40▲ 60.9%

1.12▼ 20.0%

1.24▲ 10.7%

1.66▲ 33.9%

1.14▼ 31.3%

1.24▲ 8.8%

1.36▲ 9.7%

1.59▲ 16.9%

EPS Growth %

3.57%

60.92%

-20%

10.71%

33.87%

-31.33%

8.77%

9.68%

16.91%

EPS (Basic)

0.89

1.41

1.12

1.24

1.66

1.14

1.24

1.36

1.59

Diluted Shares Outstanding

8.63M

8.54M

9.13M

9.5M

11.25M

17.19M

17.58M

17.56M

17.79M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash & Short Term Investments

412.06M

363.44M

362.9M

398.03M

957.14M

453.14M

432.72M

64.84M

411.12M

Cash & Due from Banks

57.81M

10.38M

15.57M

17.22M

18.98M

20.58M

25.34M

26.05M

27.31M

Short Term Investments

354.25M

353.07M

347.33M

380.81M

938.16M

432.55M

407.38M

38.8M

383.82M

Total Investments

1.11B

1.13B

1.32B

1.48B

2.32B

2.65B

2.77B

2.68B

3.23B

Investments Growth %

4.01%

1.69%

17.11%

12.1%

56.04%

14.49%

4.35%

-3.21%

20.51%

Long-Term Investments

757.28M

777.23M

976.32M

1.1B

1.38B

2.22B

2.36B

2.64B

Accounts Receivables

Goodwill & Intangibles

44.77K

758.82K

19.53M

18.26M

60.3M

54.59M

53.12M

51.9M

71.72M

Goodwill

202.24K

16.48M

15.99M

52.91M

48.92M

63.87M

Intangible Assets

44.77K

556.57K

3.06M

2.27M

7.39M

5.66M

4.19M

2.98M

7.85M

PP&E (Net)

27.64M

28.83M

32.48M

32.06M

43.03M

41.61M

39.87M

37.83M

37.05M

Other Assets

35.73M

78.15M

122.58M

212.43M

250.38M

140.67M

143.35M

294.51M

-3B

Total Current Assets

412.06M

363.44M

362.9M

398.03M

957.14M

453.14M

432.72M

64.84M

411.12M

Total Non-Current Assets

820.7M

888.43M

1.15B

1.37B

1.73B

2.48B

2.62B

3.04B

128.35M

Total Assets

1.23B▲ 0%

1.25B▲ 1.6%

1.52B▲ 21.0%

1.76B▲ 16.4%

2.69B▲ 52.6%

2.94B▲ 9.1%

3.05B▲ 4.0%

3.11B▲ 1.8%

3.74B▲ 20.1%

Asset Growth %

1.84%

1.55%

21.04%

16.41%

52.59%

9.1%

3.98%

1.85%

20.12%

Return on Assets (ROA)

0.63%

0.96%

0.74%

0.72%

0.84%

0.69%

0.73%

0.77%

0.83%

Accounts Payable

Total Debt

71.73M

68.23M

85.79M

60.29M

88.45M

203.35M

238.44M

248.04M

268.43M

Net Debt

13.92M

57.85M

70.22M

43.07M

69.47M

182.77M

213.11M

221.99M

241.12M

Long-Term Debt

71.73M

68.23M

80.48M

54.98M

83.14M

203.35M

238.44M

248.04M

173.13M

Short-Term Debt

5.31M

86.36M

Other Liabilities

2.72M

2.83M

5.27M

114.17M

10.95M

11.95M

15.25M

15.13M

3.09B

Total Current Liabilities

1.07B

1.09B

1.3B

1.45B

2.38B

2.49B

2.54B

2.57B

86.36M

Total Non-Current Liabilities

74.45M

71.06M

85.75M

169.15M

94.09M

215.31M

253.7M

263.16M

3.28B

Total Liabilities

1.14B

1.16B

1.38B

1.62B

2.47B

2.71B

2.8B

2.83B

3.36B

Total Equity

90.32M▲ 0%

95.69M▲ 5.9%

130.51M▲ 36.4%

144.49M▲ 10.7%

217.71M▲ 50.7%

230.27M▲ 5.8%

254.94M▲ 10.7%

278.68M▲ 9.3%

375.92M▲ 34.9%

Equity Growth %

-3.28%

5.94%

36.38%

10.71%

50.67%

5.77%

10.71%

9.31%

34.9%

Equity / Assets (Capital Ratio)

7.33%

7.64%

8.61%

8.19%

8.09%

7.84%

8.35%

8.96%

10.06%

Return on Equity (ROE)

8.44%

12.81%

9.03%

8.59%

10.3%

8.72%

8.96%

8.95%

8.63%

Book Value per Share

10.46

11.21

14.29

15.21

19.34

13.39

14.50

15.87

21.13

Tangible BV per Share

10.46

11.12

12.15

13.29

13.99

10.22

11.48

12.92

17.10

Common Stock

8.44M

8.45M

9.5M

13.67M

17.6M

17.56M

17.52M

21.25M

Additional Paid-in Capital

29.14M

25.98M

43.67M

43.22M

111.02M

167.54M

168.61M

168.35M

228.58M

Retained Earnings

59.23M

69.46M

76.98M

84.99M

99.19M

111.57M

124.4M

140.37M

160.58M

Accumulated OCI

-6.49M

-8.19M

362K

6.78M

-6.18M

-66.44M

-55.64M

-47.57M

-34.49M

Treasury Stock

Preferred Stock

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash from Operations

12.55M

14.91M

3.88M

-19.09M

36.1M

49.74M

20.98M

23.4M

9.59M

Operating CF Growth %

-6.3%

18.86%

-74%

-592.49%

289.09%

37.77%

-57.82%

11.52%

-59.01%

Net Income

7.75M

11.92M

10.21M

11.81M

18.66M

19.54M

21.75M

23.87M

28.25M

Depreciation & Amortization

3.1M

1.83M

2.9M

5.86M

8.63M

11.63M

8.7M

8.13M

93K

Deferred Taxes

2.83M

273.18K

-2.74M

1.13M

-485K

755K

96K

Other Non-Cash Items

-1.16M

609.82K

-10.22M

-38.21M

13.08M

23.64M

-7.58M

-8.64M

-11.08M

Working Capital Changes

28K

268K

953K

1.41M

-2.12M

-7.95M

-3.1M

-2.01M

-8.56M

Cash from Investing

-32.83M

-9.32M

6.75M

-130.27M

-208.33M

-448.23M

-98.75M

101.16M

1.29M

Purchase of Investments

-87.16M

-63.68M

-72.48M

-181.69M

-470M

-174.22M

-3.92M

-56.62M

Sale/Maturity of Investments

54.59M

61.69M

138.83M

155.07M

201.14M

130.68M

57.08M

120.42M

Net Investment Activity

-32.57M

-1.99M

66.34M

-26.62M

-268.86M

-43.54M

53.16M

63.8M

Acquisitions

-10.04M

-467K

33.3M

Other Investing

1.09M

5.48M

-55.65M

-99.41M

33.06M

-401.8M

-148.29M

38.44M

1.29M

Cash from Financing

14.61M

-3.25M

33.26M

228.77M

185.95M

281.93M

80.41M

23.15M

-10.72M

Dividends Paid

-1.16M

-1.69M

-2.69M

-3.8M

-4.46M

-7.16M

-7.72M

-7.9M

-8.04M

Share Repurchases

-406K

-1.3M

-2.37M

Stock Issued

59.47M

Net Stock Activity

59.47M

-406K

-1.3M

-2.37M

Debt Issuance (Net)

1000K

-1000K

1000K

-1000K

1000K

Other Financing

23.63M

1.93M

19.39M

151.28M

298.21M

115.62M

53.54M

22.86M

-311K

Net Change in Cash

-5.68M▲ 0%

2.34M▲ 141.3%

43.94M▲ 1775.2%

79.41M▲ 80.7%

13.73M▼ 82.7%

-116.55M▼ 949.1%

2.64M▲ 102.3%

147.71M▲ 5486.7%

163K▼ 99.9%

Exchange Rate Effect

Cash at Beginning

28.82M

57.81M

60.16M

104.09M

183.51M

197.23M

80.68M

83.32M

28.69M

Cash at End

23.15M

60.16M

104.09M

183.51M

197.23M

80.68M

83.32M

231.03M

28.86M

Interest Paid

8.2M

12.24M

7.82M

4.39M

10.22M

44.85M

61.75M

57.29M

Income Taxes Paid

2.69M

2.45M

3.86M

3.84M

5.21M

4.72M

4.44M

Free Cash Flow

11.2M▲ 0%

12.15M▲ 8.5%

392K▼ 96.8%

-23.34M▼ 6052.8%

30.27M▲ 229.7%

46.85M▲ 54.8%

17.36M▼ 62.9%

22.32M▲ 28.5%

-6.9M▼ 130.9%

FCF Growth %

10.58%

8.52%

-96.77%

-6052.81%

229.7%

54.78%

-62.93%

28.54%

-130.91%

Metric

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

Return on Equity (ROE)

9.19%

8.44%

12.81%

9.03%

8.59%

10.3%

8.72%

8.96%

8.95%

8.63%

Return on Assets (ROA)

0.73%

0.63%

0.96%

0.74%

0.72%

0.84%

0.69%

0.73%

0.77%

0.83%

Net Interest Margin

3.14%

3.16%

3.24%

3.16%

3.13%

2.46%

2.75%

2.56%

2.45%

2.46%

Efficiency Ratio

62.93%

60.84%

60.19%

64.62%

66.73%

73.57%

70.7%

51.74%

46.9%

47.51%

Equity / Assets

7.72%

7.33%

7.64%

8.61%

8.19%

8.09%

7.84%

8.35%

8.96%

10.06%

Book Value / Share

10.97

10.46

11.21

14.29

15.21

19.34

13.39

14.5

15.87

21.13

NII Growth

1.04%

2.42%

4.41%

17.82%

15.46%

19.81%

21.88%

-3.01%

-2.77%

20.8%

Dividend Payout

10.89%

14.16%

26.36%

32.16%

23.92%

36.63%

35.51%

33.09%

28.45%

Colony Bankcorp, Inc.(CBAN)Earnings, Financials & Key Ratios

CBAN Key Insights

✓Strengths

✗Weaknesses

CBAN Price & Volume

CBAN Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

CBAN Recent Earnings

CBAN Peer Comparison

Compare CBAN vs Peers

vs SBCF

vs FISV

Compare Top 5

CBAN Income Statement

CBAN Balance Sheet

CBAN Cash Flow Statement

CBAN Banking Ratios

CBAN SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

CBAN Frequently Asked Questions

Colony Bankcorp, Inc.(CBAN)Earnings, Financials & Key Ratios

CBAN Key Insights

✓Strengths

✗Weaknesses

CBAN Price & Volume

CBAN Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

CBAN Recent Earnings

CBAN Peer Comparison

Compare CBAN vs Peers

vs SBCF

vs FISV

Compare Top 5

CBAN Income Statement

CBAN Balance Sheet

CBAN Cash Flow Statement

CBAN Banking Ratios

CBAN SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

CBAN Frequently Asked Questions