Pricing Log in Create free account
Friday 6 November 2026 Export CBAN’s income statement to Excel — free account

Colony Bankcorp, Inc.

CBAN Financial Banks Regional

Colony Bankcorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $190.2 million, up 7.71% from fiscal 2024.

Revenue
+23.5%
EPS
+10.9%
Free cash flow
−48.9%
Total debt
−6.01%

Quarter to June 2026, against a year earlier

20.34 0.39 +1.95%
Market cap
$546.8M
P/E
12.1×
Fwd P/E
12.0×
Dividend yield
1.80%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.31
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 1 2 1 1 — 1 2 — — 1
Sell — — — — — — — — — — — —
Insider Ownership 6.00%

Capital & Financial Ratios $m

Size
Market Cap 546.77
Revenue ttm 212.25
Net income ttm 32.72
Free cash flow ttm 22.73
Net debt Q 73.55
Valuation
P/E 12.11
Forward P/E 12.00
Price / sales 1.99
Forward P/S Powerpack
Price / FCF 18.60
Price / book 1.08
Financial health
Current ratio Q 0.88
Debt / equity Q 0.60
Interest coverage Q —
Growth
Revenue growth Q +23.45% (above 0%: growing)
Operating income growth Q +45.97% (above 0%: growing)
EPS, this year +15.64% (at or above 15%: strong)
EPS, next year A +15.46% (at or above 15%: strong)
Revenue, next year A −8.80% (below 0%: weak)
EPS, past 5 yrs +5.10%
EPS, next 5 yrs A +13.97%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 50.20%
10-year low 10-year high
P/S against its own 10 years 60.10%
10-year low 10-year high
P/B against its own 10 years 59.19%
10-year low 10-year high

Dividends raised every year since 2018

Yield
1.80%
Annual rate
0.36
Payout ratio
21.8%
Growth, 2018–26
+11.6%/yr
  1. 0.20 ’18
  2. 0.30 ’19 +50
  3. 0.40 ’20 +33
  4. 0.41 ’21 +2
  5. 0.43 ’22 +5
  6. 0.44 ’23 +2
  7. 0.45 ’24 +2
  8. 0.46 ’25 +2
  9. 0.48 ’26 +4
paid change on the year, % Powerpack

Assets vs Liabilities $m

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

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%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.52 Actual 0.54

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.46 0.48 Beat by 0.02
Q1 FY26 0.45 0.45 Met by 0.00
Q2 FY26 0.48 0.52 Beat by 0.04
Q3 FY26 0.52 0.54 Beat by 0.02
Q4 FY26 0.50 — Reports 27 January 2027

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.

Revenue $m

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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

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)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 54 56 59 74 87 107 127 161 177 190 212 +15.0% 174 232 241 +8.2%
Gross margin, % 88.03 87.65 85.97 83.03 90.98 95.89 91.42 70.93 65.37 69.48 71.44 (18.5) pt
EBT 13 15 15 13 15 23 23 27 30 35 41 +12.1%
EBT margin, % 23.13 26.11 25.44 16.93 16.75 21.66 18.06 16.95 16.74 18.47 19.32 (4.7) pt
Net income 9 8 12 10 12 19 20 22 24 28 33 +14.0%
Per share, $
Per share, $ Revenue 6.42 6.59 6.95 8.16 9.20 9.50 7.36 9.13 10.06 10.69 10.03 +5.8%
Earnings 0.85 0.89 1.41 1.12 1.24 1.66 1.14 1.24 1.36 1.59 1.65 +7.2%
Cash flow 1.59 1.49 1.77 0.42 (2.01) 3.21 2.89 1.19 1.33 (0.31) 1.14 n/m
Capex (0.38) (0.15) (0.32) (0.31) (0.34) (0.38) (0.14) 0.02 0.02 (0.04) (0.06) (21.7%)
Free cash flow 1.21 1.33 1.44 0.12 (2.35) 2.83 2.76 1.22 1.35 (0.35) 1.07 n/m
Book value 11.07 10.70 11.34 14.29 15.21 19.34 13.39 14.50 15.87 21.13 18.43 +7.5%
Shares, m 8 8 8 9 9 11 17 18 18 18 19 +8.6%
Valuation, ×
Valuation, × P/E 15.65 16.00 10.35 14.60 11.72 10.10 11.27 10.56 11.96 11.21 12.11 12.3
P/S 2.07 2.18 2.10 2.02 1.59 1.80 1.75 1.43 1.60 1.67 1.99 1.8
P/B 1.34 1.35 1.29 1.15 0.96 0.88 0.96 0.90 1.02 0.84 1.08 1.1
EV/Sales 1.98 2.43 2.24 1.78 1.40 0.78 2.71 2.40 1.70 1.67 — 1.9
EV/FCF 10.50 12.05 10.78 122.32 (5.50) 2.62 7.25 18.03 12.69 (50.48) — 14.0
Cash, $m
Cash, $m Operating cash flow 13 13 15 4 (19) 36 50 21 23 (6) 24 n/m
Capex (3) (1) (3) (3) (3) (4) (2) 0 0 (1) (1) (14.9%)
Free cash flow 10 11 12 1 (22) 32 47 21 24 (6) 23 n/m
Balance, $m
Balance, $m Working capital (224) (253) (251) (218) (162) (814) (672) (568) (473) (373) (346) +5.8%
Net debt (5) 14 8 (18) (16) (109) 123 155 17 0 74 n/m
Shareholders’ equity 93 90 96 131 144 218 230 255 279 376 390 +16.7%
Returns, %
Returns, % ROA 0.60 0.62 0.96 0.74 0.72 0.84 0.69 0.73 0.77 0.83 0.97 +0.2 pt
ROIC 8.85 8.71 9.12 8.55 7.84 15.99 4.05 4.15 6.25 6.18 6.15 (2.7) pt
ROE 8.89 8.65 12.81 9.03 8.59 10.30 8.72 8.96 8.95 8.63 9.57 (0.3) pt
People
People Employees 333 326 330 370 376 502 522 464 465 537 — +5.5%
Revenue/emp, $m 0.16 0.17 0.18 0.20 0.23 0.21 0.24 0.35 0.38 0.35 — +9.0%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Colony Bankcorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BWB Bridgewater Bancshares, Inc. $567.9M 9.9× 10.2× +4.66% (above 0%: growing) +41.63% (above 0%: growing) +433.13% (above 0%: growing) 54.57% 0.00% Compare
SFST Southern First Bancshares, Inc. $561.9M 12.0× 11.9× +8.16% (above 0%: growing) +20.37% (above 0%: growing) +41.79% (above 0%: growing) 59.23% 0.00% Compare
BWFG Bankwell Financial Group, Inc. $559.9M 12.2× 11.6× +10.72% (above 0%: growing) +25.00% (above 0%: growing) +23.23% (above 0%: growing) 60.10% 0.00% Compare
BSVN Bank7 Corp. $556.7M 13.2× 16.2× −7.40% (below 0%: shrinking) −25.42% (below 0%: shrinking) +20.62% (above 0%: growing) 71.74% 0.00% Compare
NPB Northpointe Bancshares, Inc. $549.2M 6.8× 7.9× +11.60% (above 0%: growing) +17.31% (above 0%: growing) +105.45% (above 0%: growing) 49.88% 0.00% Compare
COFS ChoiceOne Financial Services, Inc. $548.6M 10.1× 9.9× −2.56% (below 0%: shrinking) −7.78% (below 0%: shrinking) +165.17% (above 0%: growing) 70.71% 0.00% Compare
CBAN Colony Bankcorp, Inc. $546.8M 12.1× 12.0× +23.45% (above 0%: growing) +10.87% (above 0%: growing) −48.88% (below 0%: shrinking) 72.54% 0.00%
BSRR Sierra Bancorp $544.1M 10.8× 10.9× −2.62% (below 0%: shrinking) +63.01% (above 0%: growing) +41.03% (above 0%: growing) 79.16% 0.00% Compare
NRIM Northrim BanCorp Inc $524.3M 9.4× 9.5× −9.44% (below 0%: shrinking) −47.97% (below 0%: shrinking) −115.99% (below 0%: shrinking) 85.30% 0.00% Compare
Median of peers $552.9M 10.4× 10.6× +1.05% +18.84% +41.41% 65.41% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 16 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.01m 1.04m 110.41
2024 956.20k 998.88k 121.35
2023 623.64k 627.01k 104.81

Ownership

Directors and executive officers, together 3.92%
Blackrock, Inc. 8.58%
Fourthstone, LLC 8.08%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Colony Bankcorp, Inc. (CBAN) Latest News

2 Nov

Impact 3 · · Business Wire

30 Oct

Impact 4 · · MarketBeat

29 Oct

Impact 4 · · The Motley Fool transcript

28 Oct

Impact 3 · · Zacks
Impact 3 · · Associated Press

27 Oct

Impact 3 · · Zacks

23 Oct

Impact 3 · · Zacks

21 Oct

Impact 3 · · Zacks

15 Oct

Impact 4 · · Business Wire

7 Oct

Impact 3 · · Zacks

22 Sep

Impact 3 · · Zacks

21 Sep

Impact 3 · · Zacks

17 Sep

Impact 4 ·

23 Jul

Impact 4 ·
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby transcript

22 Jul

Impact 3 ·

15 Jul

Impact 3 ·

26 Jun

Impact 4 · · bankingdive.com

24 Jun

Impact 5 · · Business Wire

3 Jun

Impact 3 · · Simply Wall St.

23 Apr

Impact 4 · · MarketBeat
Impact 4 · · Moby
Impact 3 · · The Motley Fool transcript

22 Apr

Impact 4 · · The Motley Fool transcript
Impact 4 · · Business Wire
Impact 4 · · The Motley Fool transcript

21 Apr

Impact 3 ·

15 Apr

Impact 3 · · Zacks

6 Apr

Impact 4 · · Simply Wall St.
stockrow.com/CBAN · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com