GoAI
Get started
Colony Bankcorp, Inc. logo

Colony Bankcorp, Inc.

CBAN

NYSEFinancial ServicesBanks - Regional

Open in GoAI

Regular session

$21.335

−$0.145 · -0.68%

Aug 24, 3:58 PM ET

CBAN company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

77

Undervalued

Momentum

44

Neutral

Sentiment

69

Bullish

Risk resilience

74

Moderate Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

Colony Bankcorp, Inc. functions as the parent entity for Colony Bank, delivering a broad spectrum of financial products and services to both commercial enterprises and individual consumers. The bank offers various ways to save, such as checking, savings, and time deposit accounts (like certificates of deposit). Its lending portfolio is extensive, encompassing loans for small and medium-sized businesses, residential and commercial construction, land development, commercial real estate, general commercial purposes, and agri-business production. Additionally, it provides residential mortgage loans, home equity loans, and consumer credit. Beyond traditional banking, customers can access conveniences such as internet banking, electronic bill payment, safe deposit boxes, telephone banking, credit and debit card services, and remote deposit capture. An ATM network is also accessible to clients. As of January 20, 2022, Colony Bank operated 39 branches across Georgia. The company, established in 1975, has its corporate headquarters situated in Fitzgerald, Georgia.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
T. Heath Fountain
Listed since
Apr 2, 1998
Employees
528

Market position

Day range

Current $21.335 below range

52-week range

Current $21.335

Open
$21.70
Previous close
$21.48
Volume
63.41K
0.23× average
Average volume
277.88K
Average daily volume
Market cap
453.85M USD
Beta
0.54
Market reference 1
50-day average
$21.1564
+0.84% above average
200-day average
$19.6098
+8.80% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
547.81M USD
P/E (TTM)
13×
P/B (TTM)
1.17×
P/S (TTM)
2.86×
EV / EBITDA
15.59×
Earnings yield
8.91%
Free cash flow yield
-2.18%
Dividend yield
2.21%

Profitability & efficiency

Gross margin
59.23%
Operating margin
11.63%
Net margin
20.59%
Return on equity
7.52%
Return on assets
0.76%
Return on invested capital
4.23%

Financial health

Debt / equity
0.6×
Current ratio
0.08×
Altman Z-score
0.2
Piotroski F-score
4 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%71%38%5%Gross margin, FY2021: 95.23%Gross margin, FY2022: 88.75%Gross margin, FY2023: 68.69%Gross margin, FY2024: 63.64%Gross margin, FY2025: 66.39%Operating margin, FY2021: 21.66%Operating margin, FY2022: 18.06%Operating margin, FY2023: 16.95%Operating margin, FY2024: 16.74%Operating margin, FY2025: 18.88%Net margin, FY2021: 17.46%Net margin, FY2022: 15.44%Net margin, FY2023: 13.55%Net margin, FY2024: 13.51%Net margin, FY2025: 15.18%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.23%. Gross margin FY2022 88.75%. Gross margin FY2023 68.69%. Gross margin FY2024 63.64%. Gross margin FY2025 66.39%. Operating margin FY2021 21.66%. Operating margin FY2022 18.06%. Operating margin FY2023 16.95%. Operating margin FY2024 16.74%. Operating margin FY2025 18.88%. Net margin FY2021 17.46%. Net margin FY2022 15.44%. Net margin FY2023 13.55%. Net margin FY2024 13.51%. Net margin FY2025 15.18%.

Income trends

Revenue

186.11M USD+5.37%

Operating income

35.14M USD+18.83%

Net income

28.25M USD+18.37%
Income trends across reported periods202.85M USD135.87M USD68.89M USD1.91M USDRevenue, FY2021: 106.88M USDRevenue, FY2022: 126.56M USDRevenue, FY2023: 160.55M USDRevenue, FY2024: 176.62M USDRevenue, FY2025: 186.11M USDOperating income, FY2021: 23.15M USDOperating income, FY2022: 22.85M USDOperating income, FY2023: 27.21M USDOperating income, FY2024: 29.57M USDOperating income, FY2025: 35.14M USDNet income, FY2021: 18.66M USDNet income, FY2022: 19.54M USDNet income, FY2023: 21.75M USDNet income, FY2024: 23.87M USDNet income, FY2025: 28.25M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 106.88M USD. Revenue FY2022 126.56M USD. Revenue FY2023 160.55M USD. Revenue FY2024 176.62M USD. Revenue FY2025 186.11M USD. Operating income FY2021 23.15M USD. Operating income FY2022 22.85M USD. Operating income FY2023 27.21M USD. Operating income FY2024 29.57M USD. Operating income FY2025 35.14M USD. Net income FY2021 18.66M USD. Net income FY2022 19.54M USD. Net income FY2023 21.75M USD. Net income FY2024 23.87M USD. Net income FY2025 28.25M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue186.11M USD176.62M USD160.55M USD126.56M USD106.88M USD
Cost of goods sold62.55M USD64.22M USD50.27M USD14.24M USD5.1M USD
Gross profit123.56M USD112.4M USD110.28M USD112.33M USD101.78M USD
Selling, general, and administrative3.51M USD53.78M USD52.72M USD56.47M USD48.25M USD
Operating expenses88.42M USD82.83M USD83.07M USD89.48M USD78.63M USD
Interest income149.95M USD137.24M USD124.92M USD91.49M USD70.59M USD
Interest expense58.05M USD61.17M USD46.67M USD10.87M USD4.4M USD
Depreciation and amortization93K USD8.13M USD8.7M USD11.63M USD8.63M USD
Operating income35.14M USD29.57M USD27.21M USD22.85M USD23.15M USD
Net income28.25M USD23.87M USD21.75M USD19.54M USD18.66M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
36%
4 beats, 5 misses, 2 met estimates
Average EPS surprise
+3.41%
11 comparable reports
Latest EPS result
0.52
Estimate 0.48 · Beat by 8.33%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.560.470.370.28Q1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25MetQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 22, 2025: actual 0.44, estimate 0.32, surprise +37.50%, Beat. Q2 2025, reported Apr 23, 2025: actual 0.38, estimate 0.4, surprise -5.00%, Miss. Q3 2025, reported Jul 23, 2025: actual 0.46, estimate 0.4, surprise +15.00%, Beat. Q4 2025, reported Oct 22, 2025: actual 0.47, estimate 0.47, surprise 0.00%, Met estimate. Q1 2026, reported Jan 28, 2026: actual 0.48, estimate 0.46, surprise +4.35%, Beat. Q2 2026, reported Apr 22, 2026: actual 0.39, estimate 0.45, surprise -13.33%, Miss. Q3 2026, reported Jul 22, 2026: actual 0.52, estimate 0.48, surprise +8.33%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 0.5, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates43.17M37.86M32.55M27.24MQ1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 22, 2025: actual 30.78M USD, estimate 28.9M USD, surprise +6.51%, Beat. Q2 2025, reported Apr 23, 2025: actual 30M USD, estimate 29.9M USD, surprise +0.32%, Beat. Q3 2025, reported Jul 23, 2025: actual 32.48M USD, estimate 33.6M USD, surprise -3.32%, Miss. Q4 2025, reported Oct 22, 2025: actual 32.79M USD, estimate 37.8M USD, surprise -13.25%, Miss. Q1 2026, reported Jan 28, 2026: actual 36.91M USD, estimate 36.4M USD, surprise +1.41%, Beat. Q2 2026, reported Apr 22, 2026: actual 39.9M USD, estimate 40.2M USD, surprise -0.76%, Miss. Q3 2026, reported Jul 22, 2026: actual 41.51M USD, estimate 40.9M USD, surprise +1.48%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 41.5M USD, surprise —, Comparison unavailable.

CBAN news

zacks.com

Why Colony Bankcorp (CBAN) is a Top Dividend Stock for Your Portfolio

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Colony Bankcorp (CBAN) have what it takes?

Read source
zacks.com

Here's Why Momentum in Colony Bankcorp (CBAN) Should Keep going

Colony Bankcorp (CBAN) could be a great choice for investors looking to make a profit from fundamentally strong stocks that are currently on the move. It is one of the several stocks that made it through our "Recent…

Read source
gurufocus.com

Are PAYO, TECH, CBAN Obtaining Fair Deals for their Shareholders?

Are PAYO, TECH, CBAN Obtaining Fair Deals for their Shareholders? PR Newswire NEW YORK, Aug. 17, 2026

Read source
prnewswire.com

Are PAYO, TECH, CBAN Obtaining Fair Deals for their Shareholders?

/PRNewswire/ -- Halper Sadeh LLC, an investor rights law firm, is investigating the following companies for potential violations of the federal securities laws

Read source
seekingalpha.com

Dividend Champion, Contender, And Challenger Highlights: Week August 16

A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. Companies with upcoming ex-dividend dates.

Read source
zacks.com

Colony Bankcorp (CBAN) is a Top Dividend Stock Right Now: Should You Buy?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Colony Bankcorp (CBAN) have what it takes?

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.46

2025 complete year+12.2% since 2021

2026 partial: $0.36

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 5, 2026

$0.12

Quarterly

Record Aug 5, 2026 · Payment Aug 19, 2026

Dividend

Ex-dividend May 6, 2026

$0.12

Quarterly

Record May 6, 2026 · Payment May 20, 2026

Dividend

Ex-dividend Feb 11, 2026

$0.12

Quarterly

Record Feb 11, 2026 · Payment Feb 25, 2026

Dividend

Ex-dividend Nov 5, 2025

$0.115

Quarterly

Record Nov 5, 2025 · Payment Nov 19, 2025

Dividend

Ex-dividend Aug 6, 2025

$0.115

Quarterly

Record Aug 6, 2025 · Payment Aug 20, 2025

Dividend

Ex-dividend May 7, 2025

$0.115

Quarterly

Record May 7, 2025 · Payment May 21, 2025

CBAN peers

Berkshire Hathaway Inc. logo

BRK-A

Berkshire Hathaway Inc.

$753,535.2

+1.35%

Berkshire Hathaway Inc. logo

BRK-B

Berkshire Hathaway Inc.

$502.58

+1.36%

JPMorgan Chase & Co. logo

JPM

JPMorgan Chase & Co.

$356.15

+1.30%

Visa Inc. logo

V

Visa Inc.

$382.8

+3.17%

Mastercard Incorporated logo

MA

Mastercard Incorporated

$599.15

+3.19%

Bank of America Corporation logo

BAC

Bank of America Corporation

$62.44

+1.22%

ETFs holding CBAN

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
14.14M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$377.51-0.19%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
11.48M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$298.13-0.61%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
9.39M
Weight
0.03%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$125.85-0.47%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
5.31M
Weight
0.01%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$243.72-0.74%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
4.54M
Weight
0.03%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.2-0.27%
Fidelity Enhanced Small Cap ETF logoFidelity Enhanced Small Cap ETFFESM
Market value
4.35M
Weight
0.07%
AUM
6.03B USD
Expense ratio
0.28%
Price / 1D
$47.655-0.59%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
2.57M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$120.53-0.59%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
2.23M
Weight
0.02%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.405-0.37%

Continue in GoAI

Research CBAN

research.disclaimer