Saturday 17 October 2026 Export CBAN’s income statement to Excel — free account

Colony Bankcorp, Inc.

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%

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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

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

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%

Next Y revenue growth (9.90%)

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
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

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.