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. In the quarter to June 2026, revenue grew 23.5%, EPS grew 10.9%, free cash flow fell 48.9% and total debt fell 6.01%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for ten; insiders bought in the last twelve months.

19.76 0.27 −1.35%
Market cap
$425.1M
P/E
12.0×
Fwd P/E
10.7×
Dividend yield
2.40%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions trades per month

Total buys 0.29
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 4 — — 1 2 1 1 — 1 2 — —
Sell — — — — — — — — — — — —
Insider Ownership 6.00%

Capital & Financial Ratios $m

Market Cap 425.05
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 11.98
Fwd P/E 10.70
P/S ratio 1.97
P/B ratio 1.07
Past 5Y EPS Growth 5.10%
This Y EPS Growth 12.81%
Next Y EPS Growth 17.41% (at or above 15%: strong)
Next Y revenue growth (9.90%) (below 0%: weak)
Next 5Y EPS Growth 14.12%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 47.11%
10-year low 10-year high
P/S against its own 10 years 59.60%
10-year low 10-year high
P/B against its own 10 years 56.65%
10-year low 10-year high

Dividends

Payout Ratio 0.29
Annual Dividend Rate 0.48
Annual Dividend Yield 2.40%
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 special payouts not included in total or ratios

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%

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.

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

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 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
High 13.30 14.75 19.50 18.95 16.49 19.59 19.00 13.98 18.49 18.80
People
People Employees 333 326 330 370 376 502 522 464 465 537
Revenue/emp, $m 0.16 0.17 0.18 0.20 0.23 0.21 0.24 0.35 0.38 0.35
Income, $m
Income, $m Revenue 54 56 59 74 87 107 127 161 177 190
Gross margin, % 88.03 87.65 85.97 83.03 90.98 95.89 91.42 70.93 65.37 69.48
EBT 13 15 15 13 15 23 23 27 30 35
EBT margin, % 23.13 26.11 25.44 16.93 16.75 21.66 18.06 16.95 16.74 18.47
Net income 9 8 12 10 12 19 20 22 24 28
Depreciation 3 3 3 3 6 9 12 9 8 8
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
Earnings 0.85 0.89 1.41 1.12 1.24 1.66 1.14 1.24 1.36 1.59
Cash flow 1.59 1.49 1.77 0.42 (2.01) 3.21 2.89 1.19 1.33 (0.31)
Capex (0.38) (0.15) (0.32) (0.31) (0.34) (0.38) (0.14) 0.02 0.02 (0.04)
Free cash flow 1.21 1.33 1.44 0.12 (2.35) 2.83 2.76 1.22 1.35 (0.35)
Book value 11.07 10.70 11.34 14.29 15.21 19.34 13.39 14.50 15.87 21.13
Shares, m 8 8 8 9 9 11 17 18 18 18
Valuation, ×
Valuation, × P/E 15.65 16.00 10.35 14.60 11.72 10.10 11.27 10.56 11.96 11.21
P/S 2.07 2.18 2.10 2.02 1.59 1.80 1.75 1.43 1.60 1.67
P/B 1.34 1.35 1.29 1.15 0.96 0.88 0.96 0.90 1.02 0.84
EV/Sales 1.98 2.43 2.24 1.78 1.40 0.78 2.71 2.40 1.70 1.67
EV/FCF 10.50 12.05 10.78 122.32 (5.50) 2.62 7.25 18.03 12.69 (50.48)
Cash, $m
Cash, $m Operating cash flow 13 13 15 4 (19) 36 50 21 23 (6)
Capex (3) (1) (3) (3) (3) (4) (2) 0 0 (1)
Free cash flow 10 11 12 1 (22) 32 47 21 24 (6)
Balance, $m
Balance, $m Working capital (224) (253) (251) (218) (162) (814) (672) (568) (473) (373)
Total debt 70 72 68 86 167 88 203 238 248 258
Net debt (5) 14 8 (18) (16) (109) 123 155 17 0
Shareholders’ equity 93 90 96 131 144 218 230 255 279 376
Returns, %
Returns, % ROA 0.60 0.62 0.96 0.74 0.72 0.84 0.69 0.73 0.77 0.83
ROIC 8.85 8.71 9.12 8.55 7.84 15.99 4.05 4.15 6.25 6.18
ROE 8.89 8.65 12.81 9.03 8.59 10.30 8.72 8.96 8.95 8.63
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
PBFS Pioneer Bancorp, Inc. $440.5M 25.2× 24.0× +17.36% (above 0%: growing) −46.15% (below 0%: shrinking) +217.72% (above 0%: growing) 75.84% 0.00% Compare
FRBA First Bank $438.9M 10.3× 10.2× −3.96% (below 0%: shrinking) +7.32% (above 0%: growing) −48.72% (below 0%: shrinking) 62.19% 0.00% Compare
AVBC Avidia Bancorp, Inc. $436.0M 23.1× 14.7× +5.48% (above 0%: growing) — +391.37% (above 0%: growing) 76.31% 0.00% Compare
RBB RBB Bancorp $435.8M 10.5× 10.3× −4.00% (below 0%: shrinking) +13.21% (above 0%: growing) +4.05% (above 0%: growing) 55.01% 0.00% Compare
PLBC Plumas Bancorp $431.8M 12.1× 9.7× +44.00% (above 0%: growing) +33.64% (above 0%: growing) +446.81% (above 0%: growing) 86.85% 0.00% Compare
CBK Commercial Bancgroup, Inc. $431.5M 10.8× 10.3× −0.84% (below 0%: shrinking) +3.15% (above 0%: growing) +28.43% (above 0%: growing) 73.67% 0.00% Compare
BMRC Bank of Marin Bancorp $427.4M — (loss-making) 11.9× +120.20% (above 0%: growing) n/m +67.51% (above 0%: growing) 74.60% 0.00% Compare
CBAN Colony Bankcorp, Inc. $425.1M 12.0× 10.7× +23.45% (above 0%: growing) +10.87% (above 0%: growing) −48.88% (below 0%: shrinking) 72.54% 0.00%
USCB USCB Financial Holdings, Inc. $412.5M 14.5× 9.3× +9.15% (above 0%: growing) +19.51% (above 0%: growing) +34.55% (above 0%: growing) 64.78% 0.00% Compare
Median of peers $433.8M 12.1× 10.3× +7.31% +10.26% +51.03% 74.14% 0.00%

All 323 Banks Regional stocks →

Colony Bankcorp, Inc. (CBAN) key facts

  • Strength: Colony Bankcorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $190.2 million, up 7.71% from fiscal 2024.
  • Colony Bankcorp, Inc. (CBAN) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, CBAN traded at $19.76, a market capitalization of $425.1 million.
  • Colony Bankcorp, Inc. pays an annual dividend of $0.48 per share, a yield of 2.40%, with a payout ratio of 28.8%.
  • Return on equity was 8.63% and debt-to-equity 0.60.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Colony Bankcorp, Inc. (CBAN) Latest News

26 Jun

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