Colony Bankcorp, Inc. (CBAN)

NYQ – Real Time Price. Currency in USD

22.13

+0.07 (0.32%)

Market open: Aug 12, 2026, 10:35 AM EDT

22.06

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 22.06$
Day's range: 21.88 - 22.08$
52-week range: 15.8 - 22.4$
Volume: 130 818
Average volume: 198 903
Beta: 0.17
EPS (TTM): 1.65
PE ratio (TTM): 13.36
Forward P/E: 11.12
Market cap: 468 134 464
Shares outstanding: 21 220 964
Dividend yield: $2.13 (2.13%)
Next earnings date: 2026-10-15
Sector: Financials
Industry: Banks - Regional

About the company

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 servi... read more

CEO: T. Fountain
Country: United States
IPO Date: 1998-02-23
Employees: 528
Fiscal Year End: January - December
Website: https://colony.bank

Revenue Breakdown

Bank / 85.19%

Small Business Specialty Lending Division / 9.03%

Mortgage / 5.79%

News

No Data

There are no news for this stock.

Chart: CBAN

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Overall Score

5.4 / 1054%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $233.2M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.6) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $8.2M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.12	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.60	0.05	7.0
Debt to Assets	0.06	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.8

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	127M	161M	177M	190M	212M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	23M	27M	30M	37M	46M
Net Income	20M	22M	24M	28M	33M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	34.83	0.44	10
Net margin %	25.83	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	15.73	0.00	8.0
Weighted average score			6.0

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.89	1.46	2.0
ROE	9.19	14.94	6.0
ROIC	5.81	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			3.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	22.68	9.84	8.0
Next quarter	32.48	10.09	8.5
Current year	30.2	10.85	8.5
Next year	35.04	19.12	9.5
Weighted average score			8.6

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	4.24	32.34	33.33	-84.83	6.3
Y/Y	23.45	36.09	13.04	-74.27	7.3
3y average	14.87	13.13	12.19	-40.13	6.0
5y average	17.38	20.41	11.18	-6.63	6.8
Weighted average score					6.6

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	13.20	11.16	5.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	2.84	3.37	4.8
P/B	1.19	1.53	7.0
Weighted average score			4.7

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR21.75%

FCF 5 year CAGR4

Fair value33.94$

Stock price22.13$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	2.66	2.66	7.0
Payout ratio	66.18	66.18	4.0
5-year dividend growth rate	8.45	8.45	9.0
Years of dividend increase	7.00	7.00	7.0
Weighted average score			6.8

Fair Value

$33.94

UndervaluedStock priceOvervalued

$22.13

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

T. Fountain

Country

United States

IPO Date

1998-02-23

Employees

528

Fiscal Year End

January - December

Website

https://colony.bank

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.12

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.60

0.05

7.0

Debt to Assets

0.06

0.09

9.0

Interest coverage

N/A

Weighted average score

5.8

METRIC

2022

2023

2024

2025

TTM

Total Revenue

127M

161M

177M

190M

212M

Gross Profit

N/A

Operating Income

23M

27M

30M

37M

46M

Net Income

20M

22M

24M

28M

33M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

34.83

0.44

Net margin %

25.83

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

15.73

0.00

8.0

Weighted average score

6.0

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.89

1.46

2.0

ROE

9.19

14.94

6.0

ROIC

5.81

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

3.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

22.68

9.84

8.0

Next quarter

32.48

10.09

8.5

Current year

30.2

10.85

8.5

Next year

35.04

19.12

9.5

Weighted average score

8.6

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

4.24

32.34

33.33

-84.83

6.3

Y/Y

23.45

36.09

13.04

-74.27

7.3

3y average

14.87

13.13

12.19

-40.13

6.0

5y average

17.38

20.41

11.18

-6.63

6.8

Weighted average score

6.6

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

13.20

11.16

5.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

2.84

3.37

4.8

P/B

1.19

1.53

7.0

Weighted average score

4.7

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

2.66

7.0

Payout ratio

66.18

4.0

5-year dividend growth rate

8.45

9.0

Years of dividend increase

7.00

7.0

Weighted average score

6.8

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Colony Bankcorp, Inc. (CBAN)

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Colony Bankcorp, Inc. (CBAN)

Stock details

About the company

Revenue Breakdown

News

Chart: CBAN

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$33.94

$22.13

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: CBAN

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$33.94

$22.13

Economic Moat