Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Colony Bankcorp, Inc.'s quarterly P/E stands at 10.6x, up 10.4% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 10.3% YoY to 12.8x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.93 | 10.61 | 12.89 | 8.95 | 10.62 | 9.61 | 12.13 | 9.88 | 9.58 | 10.39 | 7.57 | 7.85 | 8.79 |
| — | +10.4% | +6.3% | -9.4% | +10.9% | -7.5% | +60.2% | +25.8% | +9.0% | +1.5% | -30.3% | -60.5% | -35.9% | |
| P/S Ratio | 2.07 | 1.61 | 1.58 | 1.53 | 1.59 | 1.53 | 1.53 | 1.25 | 1.18 | 1.37 | 1.04 | 1.04 | 1.25 |
| — | +5.3% | +3.6% | +22.2% | +34.5% | +11.4% | +47.2% | +20.4% | -5.3% | -16.3% | -42.5% | -50.9% | -50.6% | |
| P/B Ratio | 0.97 | 0.89 | 0.98 | 0.98 | 0.99 | 1.02 | 0.99 | 0.81 | 0.78 | 0.92 | 0.74 | 0.69 | 0.75 |
| — | -12.8% | -0.6% | +20.6% | +26.8% | +11.0% | +34.5% | +17.4% | +3.4% | -5.7% | -27.7% | -38.9% | -36.5% | |
| P/FCF | — | — | 5.01 | 4.57 | 4.02 | — | 3.38 | 54.29 | 10.24 | 11.37 | 5.75 | — | 4.28 |
| — | — | +48.3% | -91.6% | -60.8% | — | -41.2% | — | +139.6% | +160.7% | +146.1% | — | +22.6% | |
| EV / EBITDA | 17.78 | 12.83 | 12.50 | 9.43 | 10.98 | 11.63 | 13.93 | 12.58 | 11.35 | 12.22 | 10.44 | 10.17 | 11.39 |
| — | +10.3% | -10.3% | -25.0% | -3.2% | -4.8% | +33.4% | +23.7% | -0.4% | +4.2% | +0.7% | -24.7% | +25.4% | |
| EV / EBIT | 17.82 | 12.83 | 15.70 | 11.10 | 13.34 | 14.27 | 17.68 | 16.63 | 14.72 | 15.75 | 13.44 | 13.74 | 15.52 |
| — | -10.1% | -11.2% | -33.2% | -9.3% | -9.4% | +31.6% | +21.0% | -5.2% | -1.4% | -7.6% | -49.2% | +15.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Colony Bankcorp, Inc.'s operating margin was 21.6% in Q4 2025, up 6.2 pp QoQ and up 2.5 pp YoY. The trailing four-quarter average of 19.3% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 9.6% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 66.4% | 71.3% | 67.9% | 68.3% | 63.9% | 65.1% | 62.4% | 63.6% | 63.4% | 62.8% | 67.0% | 70.3% | 75.8% |
| — | +9.6% | +8.8% | +7.3% | +0.8% | +3.7% | -6.9% | -9.5% | -16.4% | -24.1% | -23.0% | -21.9% | -21.2% | |
| Operating Margin | 18.9% | 21.6% | 15.5% | 21.4% | 18.6% | 19.1% | 15.7% | 16.2% | 15.8% | 16.7% | 17.6% | 16.4% | 17.1% |
| — | +13.1% | -1.6% | +32.2% | +17.8% | +14.7% | -10.7% | -1.2% | -7.9% | -10.6% | -11.6% | +40.1% | -22.5% | |
| Net Margin | 15.2% | 15.2% | 12.4% | 17.0% | 14.8% | 16.1% | 12.6% | 12.8% | 12.5% | 13.2% | 13.7% | 13.3% | 14.0% |
| — | -5.6% | -1.7% | +33.0% | +19.1% | +21.9% | -8.2% | -4.3% | -11.0% | -19.2% | -16.7% | +22.1% | -22.7% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.6% | 2.3% | 2.0% | 2.7% | 2.3% | 2.7% | 2.1% | 2.1% | 2.1% | 2.3% | 2.4% | 2.2% | 2.2% |
| — | -13.7% | -6.2% | +31.7% | +12.9% | +18.1% | -14.2% | -5.9% | -3.7% | -6.8% | +6.5% | +57.4% | -5.5% | |
| ROA | 0.8% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% |
| — | -5.4% | +0.2% | +39.6% | +19.9% | +32.2% | -1.1% | +4.5% | +3.4% | -5.8% | -1.3% | +37.9% | -14.1% | |
| ROIC | 4.5% | 1.5% | 1.1% | 1.6% | 1.2% | 1.3% | 1.0% | 1.0% | 1.0% | 1.1% | 1.2% | 1.1% | 1.0% |
| — | +17.4% | +13.1% | +53.9% | +19.3% | +16.6% | -15.6% | -2.5% | +1.5% | -7.0% | -4.3% | +37.3% | -33.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Colony Bankcorp, Inc.'s Debt/EBITDA ratio is 24.0x, up from 20.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 18752.5% YoY to 4.76x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.71 | 0.71 | 0.61 | 0.63 | 0.64 | 0.89 | 0.90 | 1.01 | 0.84 | 0.94 | 1.04 | 0.91 | 0.96 |
| — | -19.8% | -31.9% | -37.8% | -23.1% | -4.8% | -13.7% | +11.0% | -12.3% | +5.9% | +48.6% | +40.7% | +215.2% | |
| Debt / EBITDA | 7.62 | 23.96 | 20.24 | 15.67 | 18.40 | 22.82 | 27.77 | 29.28 | 24.92 | 26.09 | 25.88 | 24.87 | 27.20 |
| — | +5.0% | -27.1% | -46.5% | -26.2% | -12.5% | +7.3% | +17.7% | -8.4% | +11.2% | +45.7% | +19.4% | +243.9% | |
| Current Ratio | 4.76 | 4.76 | 0.14 | 0.16 | 0.16 | 0.03 | 0.16 | 0.16 | 0.16 | 0.17 | 0.16 | 0.17 | 0.18 |
| — | +18752.5% | -9.4% | -3.2% | -3.6% | -85.1% | -4.5% | -4.9% | -12.0% | -6.5% | -14.3% | -41.0% | -36.5% | |
| Quick Ratio | 4.76 | 4.76 | 0.14 | 0.16 | 0.16 | 0.03 | 0.16 | 0.16 | 0.16 | 0.17 | 0.16 | 0.17 | 0.18 |
| — | +18752.5% | -9.4% | -3.2% | -3.6% | -85.1% | -4.5% | -4.9% | -12.0% | -6.5% | -14.3% | -41.0% | -36.5% | |
| Interest Coverage | 0.61 | 0.76 | 0.51 | 0.69 | 0.57 | 0.57 | 0.44 | 0.46 | 0.46 | 0.49 | 0.58 | 0.56 | 0.79 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying CBAN stock.
Colony Bankcorp, Inc.'s current P/E is 12.9x. The average P/E over the last 4 quarters is 10.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Colony Bankcorp, Inc.'s current operating margin is 18.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Colony Bankcorp, Inc.'s business trajectory between earnings reports.