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CBANColony Bankcorp, Inc.
$20.44$432M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
CBAN logo

Colony Bankcorp, Inc.

CBAN
NASDAQ · Regional Banks
$20.44
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$432M
P/E12.9x
52W High$22.46
Volume151.04K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Q2 Net Interest Income Collapse Signals Core Earnings Breakdown

Colony Bankcorp faces a severe fundamental challenge with its core earnings engine, as evidenced by the Q2 2026 net interest income collapse to -$60.8 million and net interest margin inversion to -1.7%. While the bank reported net income of $10.9 million for t...

GrowthMixed
ProfitabilityStrained
ValuationAttractive
TechnicalsMixed
Explore valuation models
MARKET ACTION

CBAN price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

4/12 Beats

EPS beat 4 of last 12 quarters

02

Valuation risk

-12% Peers

P/E is 12% below peer median

03

Market leadership

RS 63 · Avg

Average momentum (RS Rating: 63)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Oct 22

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
CBAN+17.45%
S&P 500 (^GSPC)+12.39%
1-Year Return
CBAN+16.00%
S&P 500 (^GSPC)+15.77%
3-Year Return
CBAN+124.25%
S&P 500 (^GSPC)+74.67%
5-Year Return
CBAN+28.44%
S&P 500 (^GSPC)+67.40%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
12.9x
Forward P/EExpansion
10.3x
EV/EBITDA100th %ile
18.8x
FCF YieldCash Flow
N/A

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
12.9x
11.1x
100th· High
EV/EBITDA
18.8x
12.4x
100th· High
Price/FCF
N/A
12.7x
N/A
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$128M+10.9% YoY
Net income
$28M+18.4% YoY
Free cash flow
-$7M-130.9% YoY
Operating margin
18.9%+2.1 pts YoY
ROIC (TTM)4.5%
Avg ROIC 5Y-
ROE (TTM)8.6%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate4/12 (40%)
Revenue Beat Rate5/12 (50%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 22, 2026
$0.52+8.3%
vs $0.48
$42M+1.5%
vs $41M
Q2 2026
Apr 22, 2026
$0.39-13.3%
vs $0.45
$40M-0.8%
vs $40M
Q2 2026
Mar 13, 2026
$0.42
vs —
$52M
vs —
Q1 2026
Jan 28, 2026
$0.48+4.3%
vs $0.46
$37M+1.4%
vs $36M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Business Wire·Sep 17, 2026
Colony Bankcorp, Inc. and First Reliance Bancshares, Inc. Announce Regulatory Approvals Received for Merger

FITZGERALD, Ga. & FLORENCE, S.C.--(BUSINESS WIRE)--Colony Bankcorp, Inc. (NYSE: CBAN) (“Colony” or the “Company”), the holding company for Colony Bank, and First Reliance Bancshares, Inc. (OTCQX: FSRL) (“First Reliance”), the holding company for First Reliance Bank, today jointly announced that all regulatory approvals have been obtained for the proposed consolidation in which First Reliance will join forces with and into Colony (the “Merger”). The consummation of this partnership remains subje.

GuruFocus·Sep 11, 2026
Are WAFD, ACVA, CBAN, ROKU Obtaining Fair Deals for their Shareholders?

Are WAFD, ACVA, CBAN, ROKU Obtaining Fair Deals for their Shareholders?PR NewswireNEW YORK, Sept. 11, 2026Insiders may stand to receive substantial financial be

PRNewsWire·Sep 11, 2026
Are WAFD, ACVA, CBAN, ROKU Obtaining Fair Deals for their Shareholders?

/PRNewswire/ -- Halper Sadeh LLC, an investor rights law firm, is investigating the following companies for potential violations of the federal securities laws

Zacks Investment Research·Sep 4, 2026
Why Colony Bankcorp (CBAN) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Colony Bankcorp (CBAN) have what it takes?

Filtered for Colony Bankcorp, Inc.More Headlines
04

Compare before deciding

Benchmark CBAN against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Colony Bankcorp, Inc. (CBAN)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CBAN logoCBANColony Bankcorp, Inc.Current
$20.44$432.48M12.8610.92%15.18%8.63%2.21%
SBCF logoSBCFSeacoast Banking Corporation of Florida
$32.42$3.15B20.5213.82%17.06%5.61%—
HOMB logoHOMBHome Bancshares, Inc.
$28.84$5.81B11.97-3.54%34.84%11.29%—
SFBS logoSFBSServisFirst Bancshares, Inc.
$41.17$4.5B16.2717.72%51.23%17.05%—
HBCP logoHBCPHome Bancorp, Inc.
$67.17$528.5M11.4410.25%22.17%10.86%—
CZWI logoCZWICitizens Community Bancorp, Inc.
$21.23$204.74M14.54-9.39%14.64%6.77%—

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

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

CBAN SEC Filings & Documents

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

8-K Announcements

6
Material company update

Jul 22, 2026·SEC

Material company update

Jun 24, 2026·SEC

Material company update

May 22, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 14, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 5, 2026·SEC

FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

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CBAN Frequently Asked Questions

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

Growth & Financials
How fast is Colony Bankcorp, Inc. growing?

Colony Bankcorp, Inc. (CBAN) grew revenue by 10.9% over the past year. This is steady growth.

Is CBAN profitable?

Yes, Colony Bankcorp, Inc. (CBAN) is profitable, generating $32.7M in net income for fiscal year 2025 (15.2% net margin).

Dividend & Returns
Does CBAN pay dividends?

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

What is CBAN's return on equity?

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

Industry Metrics
What is Colony Bankcorp, Inc.'s net interest margin?

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

What is Colony Bankcorp, Inc.'s efficiency ratio?

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

See returns →