Colony Bankcorp, Inc. CBAN

20.68 (0.06) (0.29%) as of 25 Sep
Market cap
$440.1M
P/E
12.5×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.31
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 2 4 — — 1 2 1 1 — 1 2 —
Sell — — — — — — — — — — — —
Insider Ownership 6.00%

Capital & Financial Ratios

Market Cap 440.12
Revenue 212.25
Net Income 32.72
Free Cash Flow 22.73
Net Debt 73.55
Current Ratio 0.88
Debt/Equity 0.60
P/E ratio 12.53
P/S ratio 2.06
P/B ratio 1.12
Past 5Y EPS Growth 3.98%
This Y EPS Growth 12.81%
Next Y EPS Growth 17.41%
Next 5Y EPS Growth 14.12%
in millions of $

Dividends

Payout Ratio 0.36
Annual Dividend Rate 0.44
Annual Dividend Yield 3.95%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.47
0.12
0.12
0.12
2025 0.46
0.12
0.12
0.12
0.12
2024 0.45
0.11
0.11
0.11
0.11
2023 0.44
0.11
0.11
0.11
0.11
2022 0.43
0.11
0.11
0.11
0.11
2021 0.41
0.10
0.10
0.10
0.10
2020 0.40
0.10
0.10
0.10
0.10
2019 0.30
0.08
0.08
0.08
0.08
2018 0.20
0.05
0.05
0.05
0.05
2017 0.10
0.03
0.03
0.03
0.03
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 83 231 258 160
Receivables — — — —
Inventory — — — —
Other — — — —
1,976 2,095 2,695 2,627
2023 2024 2025 Q'26
Payables 2,545 2,568 3,068 2,972
ST’ Debt — — — —
Other — — — —
2,545 2,568 3,068 2,972
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 13.56% 16.84% 14.55%
Cash Flow 0.00% 0.00% 0.00%
Earnings 16.76% 19.05% 13.07%
Book Value 14.69% 21.07% 17.75%

Revenue

Mar Jun Sep Dec Year
’26 56 58 — — —
’25 45 47 47 52 190
’24 43 43 45 46 177
’23 36 40 42 43 161
’22 29 31 32 34 127
’21 24 24 28 31 107
’20 20 20 23 24 87
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 54 9 — — —
’25 18 16 14 (54) (6)
’24 5 1 20 (3) 23
’23 11 (5) 9 6 21
’22 22 (12) 25 14 50
’21 28 6 7 (5) 36
’20 3 0 (33) 10 (19)
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 55 8 — — —
’25 18 16 14 (54) (6)
’24 5 1 21 (4) 24
’23 10 (6) 8 9 21
’22 21 (12) 25 13 47
’21 27 6 6 (6) 32
’20 3 (1) (33) 10 (22)
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.39 0.51 — — —
’25 0.38 0.46 0.33 0.42 1.59
’24 0.30 0.31 0.32 0.42 1.36
’23 0.29 0.30 0.33 0.32 1.24
’22 0.34 0.19 0.30 0.31 1.14
’21 0.52 0.42 0.45 0.30 1.66
’20 0.17 0.23 0.33 0.52 1.24
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
8.11 11.10 12.29 14.53 8.70 13.70 12.64 8.59 10.33 13.99

Analyst estimates 2026–2028

Powerpack
Low Price
13.30 14.75 19.50 18.95 16.49 19.59 19.00 13.98 18.49 18.80
High Price
333 326 330 370 376 502 522 464 465 537
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
54 56 59 74 87 107 127 161 177 190
Revenue
88.03% 87.65% 85.97% 83.03% 90.98% 95.89% 91.42% 70.93% 65.37% 69.48%
Gross Margin
13 15 15 13 15 23 23 27 30 35
EBT
23.13% 26.11% 25.44% 16.93% 16.75% 21.66% 18.06% 16.95% 16.74% 18.47%
EBT Margin
9 8 12 10 12 19 20 22 24 28
Net Income
3 3 3 3 6 9 12 9 8 8
Depreciation
6.42 6.59 6.95 8.16 9.20 9.50 7.36 9.13 10.06 10.69
Revenue/Sh
0.85 0.89 1.41 1.12 1.24 1.66 1.14 1.24 1.36 1.59
Earnings/Sh
1.59 1.49 1.77 0.42 (2.01) 3.21 2.89 1.19 1.33 (0.31)
Cash Flow/Sh
(0.38) (0.15) (0.32) (0.31) (0.34) (0.38) (0.14) 0.02 0.02 (0.04)
Capex/Sh
1.21 1.33 1.44 0.12 (2.35) 2.83 2.76 1.22 1.35 (0.35)
Free CF/Sh
11.07 10.70 11.34 14.29 15.21 19.34 13.39 14.50 15.87 21.13
Book Value/Sh
8 8 8 9 9 11 17 18 18 18
Shares
15.65 16.00 10.35 14.60 11.72 10.10 11.27 10.56 11.96 11.21
PE Ratio
2.07 2.18 2.10 2.02 1.59 1.80 1.75 1.43 1.60 1.67
PS Ratio
1.34 1.35 1.29 1.15 0.96 0.88 0.96 0.90 1.02 0.84
PB Ratio
1.98 2.43 2.24 1.78 1.40 0.78 2.71 2.40 1.70 1.67
EV/Sales
10.50 12.05 10.78 122.32 (5.50) 2.62 7.25 18.03 12.69 (50.48)
EV/FCF
13 13 15 4 (19) 36 50 21 23 (6)
Op' Cash Flow
(3) (1) (3) (3) (3) (4) (2) 0 0 (1)
Capex
10 11 12 1 (22) 32 47 21 24 (6)
FCF
(224) (253) (251) (218) (162) (814) (672) (568) (473) (373)
Working Cap'
70 72 68 86 167 88 203 238 248 258
Total Debt
(5) 14 8 (18) (16) (109) 123 155 17 0
Net Debt
93 90 96 131 144 218 230 255 279 376
Sh' Equity
0.60% 0.62% 0.96% 0.74% 0.72% 0.84% 0.69% 0.73% 0.77% 0.83%
ROA
8.85% 8.71% 9.12% 8.55% 7.84% 15.99% 4.05% 4.15% 6.25% 6.18%
ROIC
8.89% 8.65% 12.81% 9.03% 8.59% 10.30% 8.72% 8.96% 8.95% 8.63%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Colony Bankcorp, Inc. peers in Banks Regional

Company Market cap P/E Compare
CBK Commercial Bancgroup, Inc. $435.8M 10.9× Compare
FRBA First Bank $435.4M 10.3× Compare
AVBC Avidia Bancorp, Inc. $433.2M 22.8× Compare
RBB RBB Bancorp $447.4M 10.8× Compare
Company Market cap P/E Compare
PBFS Pioneer Bancorp, Inc. $431.5M 25.6× Compare
BMRC Bank of Marin Bancorp $449.9M 0.0× Compare
PLBC Plumas Bancorp $428.1M 12.1× Compare
CZNC Citizens & Northern Corp $457.0M 17.4× Compare

All 325 Banks Regional stocks →

Colony Bankcorp, Inc. (CBAN) key facts

  • Colony Bankcorp, Inc. (CBAN) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • Colony Bankcorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $190.2 million, up 7.71% from fiscal 2024.
  • As of September 25, 2026, CBAN traded at $20.68, a market capitalization of $440.1 million.
  • Colony Bankcorp, Inc. pays an annual dividend of $0.44 per share, a yield of 3.95%, with a payout ratio of 36.0%.
  • Return on equity was 8.63% and debt-to-equity 0.60.

Source: company filings (standardised) and stockrow calculations.

Colony Bankcorp, Inc. (CBAN) Latest News

News by impact score

Fine-tune

22 Sep

3

Colony Bankcorp (CBAN) has been upgraded to Zacks Rank #2 (Buy), signaling a brighter near-term earnings outlook. The upgrade hinges on rising earnings estimates, a core driver of Zacks ratings, with the consensus for fiscal year 2026 now at $2.00 per share, unchanged year over year. Over the last three months, the Zacks Consensus Estimate for CBAN has risen about 4.7%. The system notes that higher earnings revisions often correlate with stock-price gains, and the company’s placement in the top 20% of Zacks-covered stocks suggests potential near-term upside. While many Wall Street ratings are subjective, Zacks emphasizes earnings estimate revisions as a key, forward-looking indicator. Analysts expect CBAN to maintain earnings momentum, which could translate into positive price action for investors in the near term. Rising earnings estimates and upgrade to Buy signal a moderately positive near-term sentiment without a change in underlying fundamentals.

21 Sep

3

Colony Bankcorp, Inc. (CBAN), based in Fitzgerald and operating in the Finance sector, offers a quarterly dividend of $0.12 ($0.48 annualized) for a yield of 2.32%, above Banks - Southeast (1.93%) and the S&P 500 (1.44%). The dividend has grown 4.3% year over year, with five straight annual increases averaging 3.01% over five years. The payout ratio is 25%. The stock has risen about 16.22% year to date. Analysts project 2026 earnings per share of $1.92, up about 7.26% from the prior year, supporting earnings and dividend growth. CBAN sits at a Zacks Rank of #3 (Hold). While high-yield stocks can face pressure in rising-rate environments, the piece portrays CBAN as a compelling dividend play and notes the availability of related stock recommendations. Earnings growth and dividend increases suggest modest upside, but rising rates could limit gains.

17 Sep

4

Colony Bankcorp, Inc. and First Reliance Bancshares, Inc. received regulatory approvals for their merger. Merger regulatory approvals enable Colony Bankcorp expansion and operational scale increase.

23 Jul

4

Colony Bankcorp Inc reported strong loan growth and strategic progress during its Q2 2026 earnings call. Strong loan growth and strategic moves in earnings call point to major positive shifts in CBAN trajectory.

3 transcript

Colony Bankcorp Q2 earnings call highlighted financial results, net interest income trends, loan growth, deposit shifts, credit quality metrics, and management outlook on interest rates and expansion plans. Q2 earnings metrics and forward guidance directly shape near-term investor views on earnings trajectory and valuation.

3 transcript

Colony Bankcorp, Inc. held its Q2 2026 earnings call covering financial results and outlook. Earnings call details financial performance that can moderately shift investor sentiment and stock trajectory.

22 Jul

3

Colony Bankcorp, Inc. reported its second quarter 2026 financial results. Quarterly earnings releases deliver core financial metrics that shape near-term stock valuation.

15 Jul

3

Wall Street expects Colony Bankcorp (CBAN) to report earnings growth next week. Earnings growth expectations could drive near-term positive stock performance for CBAN.

26 Jun

4

Colony Bankcorp, Inc. (CBAN) will merge with another Southeast bank in a $163 million deal that expands its regional footprint and combined assets. The $163 million merger constitutes a major strategic expansion that will significantly alter Colony Bankcorp's market position and trajectory.

24 Jun

5

Colony Bankcorp, Inc. and First Reliance Bancshares, Inc. signed a definitive merger agreement to create a transformational Southeast banking partnership. Definitive merger with First Reliance Bancshares fundamentally expands Colony Bankcorp scale, market reach, and long-term competitive position.

3 Jun

3

Colony Bankcorp (CBAN) narrative is shifting around deposit trends and valuation assumptions, altering market views on the bank's outlook. Deposit and valuation narrative shifts can moderately sway investor sentiment on Colony Bankcorp's performance.

23 Apr

4

Colony Bankcorp reported Q1 net income growth, solid loan and deposit expansion, stable asset quality, and positive outlook amid economic pressures during earnings call highlights. Q1 earnings highlights detail financial results and guidance that significantly influence stock performance and investor confidence.

4

Colony Bankcorp, Inc. released Q1 2026 earnings call summary detailing quarterly financial results, performance metrics, and future outlook. Q1 2026 earnings call summary discloses financial results and strategic insights likely to significantly influence stock performance and investor sentiment.

3 transcript

Colony Bankcorp (CBAN) released Q1 2026 earnings call transcript detailing quarterly financial results, management discussion, and forward-looking guidance. Q1 earnings transcripts disclose financial metrics and strategic updates with moderately noticeable effects on investor sentiment and performance.

22 Apr

4 transcript

Colony Bankcorp, Inc. (CBAN) released Q3 2025 earnings call transcript detailing quarterly financial results, management discussion, and forward-looking statements. Q3 2025 earnings transcript provides critical financial metrics, performance updates, and guidance that can significantly sway investor sentiment and stock trajectory.

4

Colony Bankcorp, Inc. (CBAN) reported first quarter 2026 results, detailing financial performance metrics for the period. Quarterly earnings reports like Q1 2026 results significantly influence Colony Bankcorp's financial trajectory and investor sentiment.

4 transcript

Colony Bankcorp (CBAN) released Q1 2025 earnings call transcript detailing quarterly financial results, management discussion, and forward guidance. Q1 2025 earnings transcript reveals financial metrics, operational updates, and outlook that significantly influence CBAN's stock price and investor expectations.

21 Apr

3

Colony Bankcorp (CBAN) developments center on deposit growth and stability, with analysts projecting a US$22.75 share price target amid evolving company narrative. Deposit-focused evolution and analyst price target signal moderate potential influence on CBAN's financials and investor sentiment.

15 Apr

3

Colony Bankcorp (CBAN) will report earnings next week, with Wall Street expecting growth. Upcoming earnings report with expected growth could moderately influence financial performance and market sentiment.

6 Apr

4

Colony Bankcorp (CBAN) narrative shifts positively amid strong deposit growth and upward valuation revisions, highlighting improved financial stability and attractiveness to investors. Deposit strength and valuation revisions represent major positive shifts in financial health and investor perception for CBAN.

1 Feb

3

Colony Bankcorp, Inc. (CBAN) has announced an increase in its quarterly dividend to $0.12 per share, reflecting the company's commitment to returning value to shareholders. This decision underscores the bank's financial stability and growth potential, as it continues to enhance its capital management strategies. The dividend increase indicates financial health and may positively influence investor sentiment, but its overall impact on the company's trajectory is expected to be limited.

30 Jan

4 transcript

Colony Bankcorp, Inc. (CBAN) reported strong net income growth in its Q4 2025 earnings call, highlighting significant financial performance improvements. The company emphasized its strategic initiatives and operational efficiencies that contributed to this growth, positioning itself favorably in the competitive landscape. Investors reacted positively to the results, indicating confidence in the bank's future prospects. Strong net income growth and strategic initiatives are likely to significantly impact future performance and investor sentiment.

3

Colony Bankcorp, Inc. (CBAN) is highlighted as a potential investment opportunity in January 2026, showcasing its growth prospects and financial stability. The article emphasizes the bank's strategic initiatives and market positioning, suggesting it may be undervalued compared to peers. Analysts predict positive trends for CBAN, driven by its focus on community banking and expansion efforts. Investors are encouraged to consider CBAN as part of their portfolio for potential long-term gains. Colony Bankcorp's growth initiatives and market positioning may moderately influence its financial performance and investor sentiment.

29 Jan

4 transcript

Colony Bankcorp, Inc. reported its Q4 earnings, highlighting key financial metrics and strategic initiatives. The bank experienced growth in loans and deposits, alongside an increase in net interest income. Management discussed plans for expanding their market presence and enhancing digital banking services. The earnings call emphasized a commitment to improving operational efficiency and customer experience, while also addressing potential challenges in the economic landscape. Strategic initiatives and growth in key financial metrics indicate a significant impact on future performance.

28 Jan

3

Colony Bankcorp, Inc. (CBAN) reported its Q4 earnings, highlighting a net income of $3.1 million, or $0.24 per diluted share, compared to $2.5 million, or $0.20 per diluted share, in the same quarter last year. The bank's total assets increased to $1.1 billion, driven by growth in loans and deposits. The company also noted improvements in net interest margin and a decrease in non-performing assets. Management expressed optimism about future growth opportunities and maintaining a strong capital position. The earnings report indicates moderate growth and improved financial metrics, which may influence investor sentiment and operational aspects.

3

Colony Bankcorp, Inc. (CBAN) reported its financial results for the fourth quarter of 2025, highlighting an increase in its quarterly cash dividend to $0.12 per share. This decision reflects the company's commitment to returning value to shareholders amid its financial performance. The increase in the cash dividend indicates a positive financial performance, which may influence investor sentiment and the company's market position.

22 Jan

3

Colony Bankcorp, Inc. (CBAN) is significantly influenced by institutional investors, who hold 62% of the company's shares. This level of ownership suggests that institutional players have a substantial say in the company's strategic decisions and overall direction. The dominance of institutional ownership may impact the company's governance and market perception, potentially affecting its future performance. The high institutional ownership indicates a moderate influence on the company's strategic direction and market sentiment.

2 Jan

3

Colony Bankcorp, Inc. (CBAN) is highlighted as one of three undervalued small-cap stocks that have recently seen insider buying, suggesting confidence from executives in the company's future performance. The article emphasizes the potential for growth in CBAN, particularly in the context of its financial metrics and market position. Insider buying is often viewed as a positive signal, indicating that those with the most insight into the company believe its stock is undervalued. Investors are encouraged to consider these factors when evaluating CBAN's prospects. Insider buying indicates confidence but does not guarantee significant changes in performance.

31 Dec

3

Colony Bankcorp, Inc. (CBAN) is highlighted as a potential investment opportunity in December 2025, showcasing its growth prospects and financial stability. The article emphasizes the bank's strategic initiatives and market positioning, suggesting that it may be undervalued compared to peers. Analysts predict positive trends in profitability and asset quality, making CBAN an attractive option for investors seeking undiscovered gems in the financial sector. Colony Bankcorp's growth prospects and strategic initiatives may moderately influence its financial performance and market positioning.

11 Dec

4

Several insiders at Colony Bankcorp, Inc. (CBAN) have made significant investments in the company, indicating positive sentiment and confidence in its future prospects. This insider buying activity often signals to the market that those with the most knowledge of the company believe its stock is undervalued or that positive developments are on the horizon. Such actions can enhance investor confidence and potentially lead to increased market interest in CBAN. Insider investments typically reflect strong confidence in the company's future, which can significantly influence market sentiment and performance.

stockrow.com/CBAN · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com