Colony Bankcorp (CBAN)
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Colony Bankcorp Inc. is a Georgia-based bank holding company that provides community banking services through its subsidiary, Colony Bank. The company focuses on serving individuals, small businesses, professional firms, agricultural customers, and local commercial borrowers across its markets. Its model is built around relationship banking, with local decision-making and a product mix designed for customers that need credit, deposit services, and financial guidance from a regional institution rather than a national bank.
The core banking operation offers checking, savings, money market, certificates of deposit, and other deposit products, alongside a broad lending platform. Its loan portfolio includes commercial and industrial loans, commercial real estate financing, construction and land development lending, agricultural and production loans, residential mortgages, home equity products, and consumer credit. These activities make net interest income the primary driver of earnings, with performance tied to loan growth, deposit costs, credit quality, and interest rate conditions.
Colony Bankcorp also operates businesses that broaden its revenue base beyond traditional branch banking. Its retail mortgage division originates home loans, while specialty lending activities target areas such as small business credit. The company’s segment reporting reflects this mix, with the Banking Division contributing the largest share of revenue. As a listed community bank, Colony Bankcorp is closely linked to the economic health of its regional footprint, including local business formation, real estate activity, household borrowing demand, and competition for deposits.
Last updated
- Market Cap
- 413.67M
- P/E
- 13.86
- P/FCF
- 14.09
- P/S
- 2.06
- Enterprise Value
- 647.46M
- Sector
- Financials
- Industry
- State Commercial Banks
- Address
- 115 SOUTH GRANT STREET, FITZGERALD, GA, 31750
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- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 413.67M
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- 647.46M
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 13.86
- P/B
P/B ratio compares a company's share price to its book value per share.
- 1.09
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 2.06
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- 15.78
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 3.22
- EPS
- 1.41
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 2.07%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- 14.09
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- 13.45
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- 29.36M
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 7.85%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 0.8%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 0.68
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- —
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- —
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- —
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 232.71K
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 19.55
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 55.58M | 51.75M | 46.98M | 46.93M | 44.57M |
| Gross profit | 39.9M | 36.91M | 32.79M | 32.48M | 30M |
| Operating income | 10.47M | 9.55M | 7.28M | 10.03M | 8.28M |
| EBITDA | 12.11M | 10.88M | 8.01M | 10.03M | 8.28M |
| Net income | 8.2M | 7.84M | 5.82M | 7.98M | 6.61M |
| Basic EPS | 0.39 | 0.42 | 0.33 | 0.46 | 0.38 |
| Diluted EPS | 0.39 | 0.42 | 0.33 | 0.46 | 0.38 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 3.72B | 3.74B | 3.15B | 3.12B | 3.17B |
| Total liabilities | 3.34B | 3.36B | 2.85B | 2.82B | 2.88B |
| Total equity | 380.4M | 375.92M | 302.33M | 293.86M | 286.93M |
| Cash & equivalents | 24.35M | 27.31M | 25.29M | 27.59M | 26.09M |
| Current assets | 1.06B | 1.05B | 912.36M | 913.28M | 1.04B |
| Current liabilities | 0 | 0 | 0 | 0 | 0 |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | 54.25M | -53.74M | 14.41M | 15.84M | 17.95M |
| Investing cash flow | 7.36M | 91.14M | 47.54M | -55.64M | -79.64M |
| Financing cash flow | -23.44M | 20.28M | 25.87M | -69.27M | 51.87M |
| Change in cash | 38.17M | 57.67M | 87.82M | -109.06M | -9.83M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 8-K — COLONY BANKCORP INC | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | SCHEDULE 13G/A — COLONY BANKCORP INC | View Filing | |
| edgar index | 10-Q — COLONY BANKCORP INC | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| edgar index | SCHEDULE 13G — COLONY BANKCORP INC | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| edgar index | 8-K — COLONY BANKCORP INC | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | DEF 14A — COLONY BANKCORP INC | View Filing | |
| edgar index | ARS — COLONY BANKCORP INC | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| edgar index | 10-K — COLONY BANKCORP INC | View Filing | |
| ten k section | 10-K — business | View Filing | |
| ten k section | 10-K — mda | View Filing | |
| ten k section | 10-K — risk_factors | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| form 4 | Form 4 — Shelnutt Derek | View Filing | |
| form 4 | Form 4 — Shelnutt Derek | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| form 4 | Form 4 — Downing Scott Lowell | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| edgar index | SCHEDULE 13G — COLONY BANKCORP INC | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| form 4 | Form 4 — Fountain T Heath | View Filing | |
| form 4 | Form 4 — Fountain T Heath | View Filing | |
| form 4 | Form 4 — Fountain T Heath | View Filing | |
| form 4 | Form 4 — Fountain T Heath | View Filing | |
| form 4 | Form 4 — Dockery Kimberly C. | View Filing | |
| form 4 | Form 4 — Dockery Kimberly C. | View Filing | |
| form 4 | Form 4 — Mowry Meagan M. | View Filing | |
| form 4 | Form 4 — Hollingsworth Audrey | View Filing | |
| form 4 | Form 4 — Shelnutt Derek | View Filing | |
| form 4 | Form 4 — Shelnutt Derek | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| edgar index | SCHEDULE 13G/A — COLONY BANKCORP INC | View Filing | |
| edgar index | 8-K — COLONY BANKCORP INC | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | SCHEDULE 13G/A — COLONY BANKCORP INC | View Filing | |
| edgar index | 8-K — COLONY BANKCORP INC | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | S-8 — COLONY BANKCORP INC | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| form 4 | Form 4 — Eiford Gregory | View Filing | |
| edgar index | 3 — COLONY BANKCORP INC | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| form 3 | Form 3 — Eiford Gregory | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| form 4 | Form 4 — Schmitt Brian D | View Filing | |
| edgar index | 8-K — COLONY BANKCORP INC | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| edgar index | 4 — COLONY BANKCORP INC | View Filing | |
| edgar index | 8-K — COLONY BANKCORP INC | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing | |
| form 4 | Form 4 — Canup Edward G | View Filing |