Colony Bankcorp, Inc. CBAN R2K

Financial Services · Banks - Regional · United States

Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to retail and commercial customers in the United States. It operates through Bank, Mortgage Banking, and Small Business Specialty Lending Division segments. The company offers deposit products, including checking, savings, money market, and other deposit options; and treasury solutions, merchant services, and other financial tools that support businesses in managing cash flow and operational efficiency. It also provides loans to small and medium-sized businesses; residential and commercial construction, and land development loans; commercial real estate loans; commercial loans; agri-business and production loans; residential mortgage loans; home equity loans and lines of credit; consumer loans; financing for marine and recreational vehicles; and small business administration and other government guaranteed loans. In addition, the company offers wealth management, consumer insurance, internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, and remote depository products, as well as access to a network of ATMs. Further, it provides health savings accounts, student savings, retirement and educational accounts, and certificates of deposit; financial advisory services; lot and small acreage loans, auto loans, working capital loans, USDA loan programs, healthcare lending, and equipment loans, as well as boat, RV, and ATV loans; agriculture lending for equipment, livestock, farmland, and crop production; homeowners, fixed life, auto, boat, renters, condo, ATV, motorcycle, and business insurance; liquidity management; and digital banking, mobile deposit, e-statements, and e-alerts services. Colony Bankcorp, Inc. was founded in 1975 and is headquartered in Fitzgerald, Georgia.

Market & Price

Market Cap

$418.96M

Current Price

$19.80

High / Low (52W)

$21.12 / $14.58

Beta

0.55

Valuation

Stock P/E

12.37

Industry PE

12.01

Forward P/E

9.32

PEG Ratio

2.11

Book Value

$17.98

Price to Book

1.10

P/S

3.05

EV/EBITDA

Dividend Yield

2.37%

Profitability & Returns

ROCE

ROE

8.94%

ROA

0.87%

Profit Margin

21.73%

Op Margin

31.74%

EPS (Latest Qtr)

$0.39

EPS (TTM)

$1.60

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$258.29M

Total Assets

$3.74B

Current Assets

Working Capital

Ownership

Promoter Holding

3.88%

Chg in Prom Hold

FII / Inst Holding

60.07%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$381.41M

Total Revenue (TTM)

$137.33M

EBITDA

Free Cash Flow

Operating Cash Flow

$30.76M

Shares Outstanding

21.16M

Gross Margin

0.00%

Payout Ratio

29.06%

Growth (CAGR)

Revenue 5Y

4.54%

Profit 5Y

13.07%

Revenue (YoY)

33.90%

Earnings (YoY)

2.40%

PROS

Excellent profit margin of 21.7%.
Profit CAGR of 13.1% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	CBAN Colony Bankcorp, Inc. R2K	19.80	12.37	$418.96M	2.37%	-	8.94%	4.54%	13.07%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	30.00M	32.48M	32.79M	36.91M	39.90M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	14.57M	14.45M	14.19M	14.84M	15.69M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.28M	10.03M	7.28M	9.55M	10.47M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.66M	2.05M	1.46M	1.71M	2.27M
Net Income	1.08M	1.46M	2.02M	2.08M	1.88M	2.19M	2.20M	2.06M	2.17M	2.26M	2.12M	2.43M	2.62M	3.19M	3.07M	2.69M	2.83M	2.10M	2.52M	1.60M	2.21M	3.10M	4.92M	4.00M	5.58M	5.32M	3.42M	5.25M	5.04M	5.30M	5.80M	5.33M	5.47M	-	-	6.61M	7.98M	5.82M	7.84M	8.20M
Diluted EPS	0.08	0.10	0.16	0.16	0.15	0.18	0.19	0.20	0.21	0.22	0.22	0.28	0.30	0.37	0.36	0.32	0.34	0.23	0.27	0.17	0.23	0.33	0.52	0.42	0.45	0.34	0.19	0.30	0.29	0.30	0.33	0.30	0.31	-	-	0.38	0.46	0.33	0.42	0.39

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	115.70M	113.88M	115.45M	132.18M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	10.87M	46.67M	61.16M	58.05M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	22.85M	27.21M	29.57M	35.13M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	3.31M	5.47M	5.70M	6.88M
Net Income	-19.18M	474.22K	2.53M	2.64M	4.63M	7.53M	8.37M	8.67M	7.75M	11.92M	10.21M	11.81M	-	19.54M	21.75M	23.87M	28.25M
Diluted EPS	-2.85	-0.11	0.13	0.14	0.37	0.57	0.71	0.84	0.87	1.40	1.12	1.24	-	1.14	1.24	1.36	1.59

Compounded Sales Growth

5 Years:	4.54%
1 Year:	33.90%

Compounded Profit Growth

5 Years:	13.07%
1 Year:	2.40%

Stock Price Performance

1 Year:	+32.93%
6 Months:	+17.04%
3 Months:	+0.46%
1 Month:	+1.18%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Sep 2019	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.28B	1.20B	1.14B	1.15B	1.15B	1.17B	1.21B	1.23B	1.25B	-	1.52B	1.76B	-	2.94B	3.05B	3.11B	3.74B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	29.46M	42.43M	54.15M	83.37M	-	-	44.60M	22.26M	28.82M	57.81M	60.16M	-	104.09M	-	-	20.58M	25.34M	26.05M	27.31M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	-	-	-	-	-	-	-	-	1.16B	-	1.38B	1.62B	-	2.71B	2.80B	2.83B	3.36B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	85.79M	167.08M	-	203.35M	238.44M	248.04M	258.10M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	203.35M	238.44M	248.04M	258.10M
Total Equity	-	-	92.96M	96.61M	95.76M	89.95M	99.03M	95.46M	93.39M	90.32M	95.69M	130.51M	130.51M	144.49M	-	230.27M	254.94M	278.68M	375.92M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	17.60M	17.56M	17.52M	21.25M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	15.05M	27.35M	15.16M	22.81M	18.87M	-	14.07M	13.39M	12.55M	14.92M	3.88M	-19.09M	-	49.74M	20.98M	23.40M	-5.54M
Investing Cash Flow	-75.45M	15.07M	98.68M	-632.26K	-34.77M	-	-56.20M	-35.37M	-32.83M	-9.32M	6.80M	-130.27M	-	-448.23M	-98.75M	101.16M	3.41M
Financing Cash Flow	-	-	-	-	-	-	19.78M	28.55M	14.61M	-3.25M	33.26M	228.77M	-	281.93M	80.41M	23.15M	28.74M
Capital Expenditure	-1.29M	-490.26K	-397.82K	-845.34K	-1.49M	-1.68M	-3.19M	-3.26M	-1.34M	-2.76M	-3.48M	-4.24M	-	-2.90M	-3.62M	-1.08M	-1.35M
Free Cash Flow	13.76M	26.86M	14.76M	21.96M	17.38M	-	10.88M	10.13M	11.20M	12.15M	392.00K	-23.34M	-	46.85M	17.36M	22.32M	-6.90M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-116.55M	2.64M	147.71M	26.61M
Share Buybacks	-	-	-	-	-	-	-	-	-	-	-	-	0	540.00K	406.00K	1.30M	2.37M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	16.9%	19.1%	20.7%	21.4%
ROE %	-	0.5%	2.6%	2.8%	5.1%	7.6%	8.8%	9.3%	8.6%	12.5%	7.8%	8.2%	-	8.5%	8.5%	8.6%	7.5%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

3.88%

Institutions

60.07%

Public Float

62.49%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Fourthstone LLC	9.76%	2.06M	$40.88M
2	Blackrock Inc.	9.29%	1.97M	$38.91M
3	Vanguard Capital Management LLC	4.53%	958.60K	$18.98M
4	Dimensional Fund Advisors LP	3.49%	737.75K	$14.61M
5	Geode Capital Management, LLC	2.25%	476.66K	$9.44M
6	Petiole USA Ltd	2.15%	454.76K	$9.00M
7	American Century Companies Inc	2.09%	441.61K	$8.74M
8	BANC FUNDS CO LLC	1.98%	419.48K	$8.31M
9	State Street Corporation	1.69%	357.28K	$7.07M
10	Pacific Ridge Capital Partners, LLC	1.52%	321.85K	$6.37M

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