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CBANColony Bankcorp, Inc.
$20.24$428M
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
$20.24
At close - Nov 6, 4:00 PM EST - USD
Market Cap$428M
P/E11.5x
52W High$22.46
Volume138.94K
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%.

GrowthMixed
ProfitabilityStrained
ValuationAttractive
TechnicalsWeak
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

5/12 Beats

EPS beat 5 of last 12 quarters

02

Valuation risk

-9% Peers

P/E is 9% below peer median

03

Market leadership

RS 59 · Avg

Average momentum (RS Rating: 59)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Jan 28

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
CBAN+16.32%
S&P 500 (^GSPC)+7.63%
1-Year Return
CBAN+28.51%
S&P 500 (^GSPC)+9.69%
3-Year Return
CBAN+107.88%
S&P 500 (^GSPC)+71.21%
5-Year Return
CBAN+18.29%
S&P 500 (^GSPC)+58.74%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
11.5x
Forward P/EExpansion
9.8x
EV/EBITDA100th %ile
20.0x
FCF YieldCash Flow
3.4%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
11.5x
11.1x
80th· High
EV/EBITDA
20.0x
12.4x
100th· High
Price/FCF
29.2x
12.7x
100th· High
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 FY25
$128M+10.9% YoY
Net income FY25
$28M+18.4% YoY
Free cash flow FY25
-$7M-130.9% YoY
Operating margin FY25
27.4%+1.8 pts YoY
ROIC (FY25)4.5%
Avg ROIC 5Y4.9%
ROE (TTM)9.7%
Piotroski Score4 / 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 Rate5/12 (42%)
Revenue Beat Rate6/12 (50%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 28, 2026
$0.54+3.6%
vs $0.52
$43M+3.7%
vs $41M
Q3 2026
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
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

4 Stories
Zacks Investment Research·Oct 23, 2026
Colony Bankcorp (CBAN) Could Be a Great Choice

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?

Zacks Investment Research·Oct 21, 2026
Colony Bankcorp (CBAN) Earnings Expected to Grow: Should You Buy?

Colony Bankcorp (CBAN) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Business Wire·Oct 15, 2026
Colony Bankcorp, Inc. and First Reliance Bancshares, Inc. Announce Shareholder Approval of 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 shareholders of both companies have approved the previously announced transaction through which First Reliance will become part of Colony (the “Merger”). The shareholder votes follow the recent receipt o.

GuruFocus·Oct 8, 2026
Colony Bankcorp, Inc. Announces Date for Third Quarter 2026 Earnings Release and Conference Call

Colony Bankcorp, Inc. (NYSE: CBAN) (“Colony” or the “Company”) today announced that it will release its third quarter 2026 financial results on Wednesda

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
$20.24$428.25M11.4810.92%35.39%9.73%2.23%
SBCF logoSBCFSeacoast Banking Corporation of Florida
$33.54$3.26B17.5813.82%26.2%6.12%2.2%
HOMB logoHOMBHome Bancshares, Inc.
$29.86$6.01B12.16-3.54%43.71%10.95%2.69%
SFBS logoSFBSServisFirst Bancshares, Inc.
$41.08$4.49B13.1217.72%51.68%17.61%1.63%
HBCP logoHBCPHome Bancorp, Inc.
$60.94$479.48M10.7910.25%28.49%9.96%1.88%
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.38$225.48M16.12-9.39%28.36%7.64%1.59%

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

Nov 2, 2026·SEC

Material company update

Oct 28, 2026·SEC

Material company update

Oct 15, 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

Nov 6, 2026·SEC

FY 2026

Aug 5, 2026·SEC

FY 2026

May 8, 2026·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) revenue fell by 16.1% over the trailing twelve months, compared with the twelve months before.

Is CBAN profitable?

Yes. Colony Bankcorp, Inc. (CBAN) earned $37.4M in net income over the trailing twelve months (a 35.4% net margin).

Dividend & Returns
Does CBAN pay dividends?

Yes. Colony Bankcorp, Inc. (CBAN) pays a dividend that yields 2.23% at the current price, a moderate yield.

What is CBAN's return on equity?

Colony Bankcorp, Inc. (CBAN) had a return on equity (ROE) of 9.7% over the trailing twelve months. That is below the market's typical 10-15%.

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 69.0%. This is higher than peers, suggesting room for cost optimization.

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

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

See returns →