Symbols / CBAN Stock $19.89 -0.45% Colony Bankcorp, Inc.

Financial Services • Banks - Regional • United States • NYQ
CBAN (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. T. Heath Fountain C.P.A.
Exch · Country NYQ · United States
Market Cap 420.91M
Enterprise Value 383.25M
Income 29.84M
Sales 137.33M
FCF (ttm) —
Book/sh 17.98
Cash/sh 13.98
Employees 506
Insider 10d —
IPO Apr 02, 1998
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 29.06%
P/E 12.43
Forward P/E 9.36
PEG 2.11
P/S 3.06
P/B 1.11
P/C —
EV/EBITDA —
EV/Sales 2.79
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.60
EPS next Y 2.12
EPS Growth 2.40%
Revenue Growth 33.90%
EPS Gr Q/Q 24.10%
Rev Gr Q/Q —
Earnings (next) 2026-04-22
Earnings (prior) 2026-04-22
ROA 0.87%
ROE 8.94%
ROIC —
Gross Margin 0.00%
Oper. Margin 31.74%
Profit Margin 21.73%
Shs Outstand 21.16M
Shs Float 18.57M
Insider Own 3.86%
Instit Own 55.97%
Short Float 1.20%
Short Ratio 0.92
Short Interest 243.77K
52W High 21.61
vs 52W High -7.96%
52W Low 14.63
vs 52W Low 35.95%
Beta 0.60
Impl. Vol. 55.37%
Rel Volume 1.48
Avg Volume 232.88K
Volume 345.66K
Target (mean) $23.62
Tgt Median $23.62
Tgt Low $23.00
Tgt High $24.25
# Analysts 2
Recom Strong_buy
Prev Close $19.98
Price $19.89
Change -0.45%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$23.63
Mean price target
2. Current target
$19.89
Latest analyst target
3. DCF / Fair value
$24.00
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$19.89
Low
$23.00
High
$24.25
Mean
$23.63

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2023-02-15 down Janney Montgomery Scott Buy → Neutral $14
2022-07-22 down DA Davidson Buy → Neutral $17
2022-01-12 init DA Davidson — → Buy $21
2021-05-24 init Janney Montgomery Scott — → Buy $22
News
RSS: Latest CBAN news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-06 CANUP EDWARD G Officer — 500 $19.25 $9,625
2026-03-03 SHELNUTT DEREK Chief Financial Officer — 250 $19.50 $4,875
2026-02-27 CANUP EDWARD G Officer — 1,000 $20.00 $20,125
2025-12-16 EIFORD GREGORY Officer — 8,883 $0.00 $0
2025-12-02 SCHMITT BRIAN D Officer and Director — 10,000 $0.00 $0
2025-11-28 CANUP EDWARD G Officer — 500 $16.95 $8,475
2025-11-17 CANUP EDWARD G Officer — 1,000 $16.10 $16,225
2025-11-07 REED MATTHEW D. Director — 310 $16.18 $5,017
2025-11-06 CANUP EDWARD G Officer — 1,000 $15.90 $16,075
2025-10-30 CANUP EDWARD G Officer — 500 $15.96 $7,980
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
132.18
+14.49%
115.45
+1.38%
113.88
-1.57%
115.70
Operating Revenue
132.18
+14.49%
115.45
+1.38%
113.88
-1.57%
115.70
Selling General And Administration
56.70
+5.43%
53.78
+2.00%
52.72
-6.65%
56.47
Selling And Marketing Expense
4.28
+6.73%
4.01
+15.00%
3.49
-4.86%
3.66
General And Administrative Expense
52.42
+5.32%
49.77
+1.08%
49.23
-6.77%
52.81
Salaries And Wages
52.42
+5.32%
49.77
+1.08%
49.23
-6.77%
52.81
Other Gand A
—
—
—
—
Reconciled Depreciation
7.72
-5.01%
8.13
-6.57%
8.70
-25.17%
11.63
Total Unusual Items
-2.06
—
—
-0.14
Total Unusual Items Excluding Goodwill
-2.06
—
—
-0.14
Special Income Charges
-2.06
—
—
-0.14
Impairment Of Capital Assets
—
—
—
0.00
Restructuring And Mergern Acquisition
2.06
—
—
0.14
Net Income
28.25
+18.37%
23.87
+9.75%
21.75
+11.28%
19.54
Pretax Income
35.13
+18.83%
29.57
+8.65%
27.21
+19.08%
22.85
Net Interest Income
91.90
+20.80%
76.08
-2.77%
78.24
-3.01%
80.67
Interest Expense
58.05
-5.09%
61.16
+31.05%
46.67
+329.56%
10.87
Interest Income
149.95
+9.26%
137.24
+9.87%
124.92
+36.47%
91.54
Gain On Sale Of Security
-1.04
+43.38%
-1.83
0.00
+100.00%
-0.08
Tax Provision
6.88
+20.76%
5.70
+4.26%
5.47
+65.14%
3.31
Tax Rate For Calcs
0.00
+2.00%
0.00
-4.04%
0.00
+38.67%
0.00
Tax Effect Of Unusual Items
-0.41
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
28.25
+18.37%
23.87
+9.75%
21.75
+11.28%
19.54
Net Income From Continuing Operation Net Minority Interest
28.25
+18.37%
23.87
+9.75%
21.75
+11.28%
19.54
Net Income From Continuing And Discontinued Operation
28.25
+18.37%
23.87
+9.75%
21.75
+11.28%
19.54
Net Income Continuous Operations
28.25
+18.37%
23.87
+9.75%
21.75
+11.28%
19.54
Normalized Income
29.91
+25.32%
23.87
+9.75%
21.75
+11.28%
19.54
Net Income Common Stockholders
28.25
+18.37%
23.87
+9.75%
21.75
+11.28%
19.54
Diluted EPS
—
1.36
+9.68%
1.24
+8.77%
1.14
Basic EPS
—
1.36
+9.68%
1.24
+8.77%
1.14
Basic Average Shares
—
17.56
-0.12%
17.58
+2.25%
17.19
Diluted Average Shares
—
17.56
-0.12%
17.58
+2.25%
17.19
Diluted NI Availto Com Stockholders
28.25
+18.37%
23.87
+9.75%
21.75
+11.28%
19.54
Occupancy And Equipment
6.75
+9.82%
6.15
-2.13%
6.28
-3.84%
6.53
Other Non Interest Expense
23.53
+17.14%
20.08
-4.21%
20.97
-8.99%
23.04
Professional Expense And Contract Services Expense
3.51
+24.14%
2.83
-8.78%
3.10
-9.76%
3.43
Line Item Trend 2023-12-31
Total Assets
3,053.42
Cash And Cash Equivalents
25.34
Cash Financial
25.34
Other Short Term Investments
407.38
Net PPE
39.87
Gross PPE
72.36
Accumulated Depreciation
-32.49
Land And Improvements
11.56
Buildings And Improvements
38.57
Machinery Furniture Equipment
20.67
Construction In Progress
0.18
Leases
1.38
Goodwill And Other Intangible Assets
53.12
Goodwill
48.92
Other Intangible Assets
4.19
Investments And Advances
873.28
Total Liabilities Net Minority Interest
2,798.49
Current Debt And Capital Lease Obligation
—
Current Debt
—
Long Term Debt And Capital Lease Obligation
238.44
Long Term Debt
238.44
Stockholders Equity
254.94
Common Stock Equity
254.94
Capital Stock
17.56
Common Stock
17.56
Preferred Stock
0.00
Share Issued
17.56
Ordinary Shares Number
17.56
Treasury Shares Number
0.00
Additional Paid In Capital
168.61
Retained Earnings
124.40
Gains Losses Not Affecting Retained Earnings
-55.64
Other Equity Adjustments
-55.64
Total Equity Gross Minority Interest
254.94
Total Capitalization
493.38
Invested Capital
493.38
Total Debt
238.44
Net Debt
213.11
Net Tangible Assets
201.82
Tangible Book Value
201.82
Available For Sale Securities
16.87
Cash Cash Equivalents And Federal Funds Sold
83.32
Held To Maturity Securities
449.03
Line Of Credit
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-5.54
-123.70%
23.40
+11.52%
20.98
-57.82%
49.74
Cash Flow From Continuing Operating Activities
-5.54
-123.70%
23.40
+11.52%
20.98
-57.82%
49.74
Net Income From Continuing Operations
28.25
+18.37%
23.87
+9.75%
21.75
+11.28%
19.54
Depreciation Amortization Depletion
7.72
-5.01%
8.13
-6.57%
8.70
-25.17%
11.63
Depreciation
7.72
-5.01%
8.13
-6.57%
8.70
-25.17%
11.63
Depreciation And Amortization
7.72
-5.01%
8.13
-6.57%
8.70
-25.17%
11.63
Other Non Cash Items
-33.89
-704.80%
-4.21
+23.41%
-5.50
-121.06%
26.10
Stock Based Compensation
0.79
-39.43%
1.30
-23.81%
1.70
-2.41%
1.74
Asset Impairment Charge
0.00
-100.00%
0.20
0.00
0.00
Deferred Tax
2.06
+173.38%
0.76
+255.67%
-0.48
-142.92%
1.13
Deferred Income Tax
2.06
+173.38%
0.76
+255.67%
-0.48
-142.92%
1.13
Operating Gains Losses
-4.63
+39.62%
-7.67
-34.93%
-5.69
+2.50%
-5.83
Gain Loss On Investment Securities
1.04
-43.38%
1.83
0.00
-100.00%
0.08
Gain Loss On Sale Of PPE
0.00
-100.00%
0.01
+101.10%
-0.45
-632.26%
-0.06
Change In Working Capital
-10.35
-414.31%
-2.01
+35.05%
-3.10
+61.01%
-7.95
Change In Other Working Capital
-1.79
-3.88%
-1.73
-21.39%
-1.42
-5.03%
-1.35
Change In Other Current Assets
-9.00
-374.88%
-1.90
+40.09%
-3.16
+58.34%
-7.59
Change In Other Current Liabilities
0.44
-72.45%
1.61
+8.21%
1.49
+48.45%
1.00
Investing Cash Flow
3.41
-96.63%
101.16
+202.44%
-98.75
+77.97%
-448.23
Cash Flow From Continuing Investing Activities
3.41
-96.63%
101.16
+202.44%
-98.75
+77.97%
-448.23
Net PPE Purchase And Sale
-1.35
-35.00%
-1.00
-5472.22%
-0.02
+99.24%
-2.38
Purchase Of PPE
-1.35
-25.37%
-1.08
+70.15%
-3.62
-24.97%
-2.90
Sale Of PPE
0.00
-100.00%
0.08
-97.86%
3.60
+593.64%
0.52
Capital Expenditure
-1.35
-25.37%
-1.08
+70.15%
-3.62
-24.97%
-2.90
Net Investment Purchase And Sale
133.70
+109.56%
63.80
+20.01%
53.16
+222.10%
-43.54
Purchase Of Investment
-22.70
+59.90%
-56.62
-1345.39%
-3.92
+97.75%
-174.22
Sale Of Investment
156.41
+29.89%
120.42
+110.97%
57.08
-56.32%
130.68
Net Business Purchase And Sale
0.92
0.00
—
0.00
Gain Loss On Sale Of Business
—
—
—
0.00
Net Other Investing Changes
2.44
+74.82%
1.39
+142.32%
-3.29
-34.83%
-2.44
Financing Cash Flow
28.74
+24.14%
23.15
-71.21%
80.41
-71.48%
281.93
Cash Flow From Continuing Financing Activities
28.74
+24.14%
23.15
-71.21%
80.41
-71.48%
281.93
Net Issuance Payments Of Debt
0.00
-100.00%
9.50
-72.86%
35.00
-69.30%
114.00
Issuance Of Debt
275.00
-5.17%
290.00
-76.52%
1,235.00
+95.56%
631.50
Repayment Of Debt
-275.00
+1.96%
-280.50
+76.63%
-1,200.00
-131.88%
-517.50
Long Term Debt Issuance
275.00
-5.17%
290.00
-76.52%
1,235.00
+95.56%
631.50
Long Term Debt Payments
-275.00
+1.96%
-280.50
+76.63%
-1,200.00
-131.88%
-517.50
Net Long Term Debt Issuance
0.00
-100.00%
9.50
-72.86%
35.00
-69.30%
114.00
Net Common Stock Issuance
-2.37
-81.46%
-1.30
-221.43%
-0.41
-100.68%
59.47
Common Stock Payments
-2.37
-81.46%
-1.30
-221.43%
-0.41
—
Common Stock Dividend Paid
-8.04
-1.76%
-7.90
-2.29%
-7.72
-7.88%
-7.16
Cash Dividends Paid
-8.04
-1.76%
-7.90
-2.29%
-7.72
-7.88%
-7.16
Repurchase Of Capital Stock
-2.37
-81.46%
-1.30
-221.43%
-0.41
—
Proceeds From Stock Option Exercised
—
—
-0.41
+24.81%
-0.54
Net Other Financing Charges
-0.31
-5.07%
-0.30
-17.46%
-0.25
-9.09%
-0.23
Changes In Cash
26.61
-81.99%
147.71
+5486.69%
2.64
+102.27%
-116.55
Beginning Cash Position
231.03
+177.28%
83.32
+3.28%
80.68
-59.09%
197.23
End Cash Position
257.64
+11.52%
231.03
+177.28%
83.32
+3.28%
80.68
Free Cash Flow
-6.90
-130.91%
22.32
+28.54%
17.36
-62.93%
46.85
Interest Paid Supplemental Data
57.29
-7.23%
61.75
+37.67%
44.85
+338.81%
10.22
Income Tax Paid Supplemental Data
4.44
-5.96%
4.72
-9.45%
5.21
+35.79%
3.84
Common Stock Issuance
—
—
0.00
-100.00%
59.47
Earnings Losses From Equity Investments
-0.30
-10.74%
-0.27
-59.76%
-0.17
-146.43%
0.36
Issuance Of Capital Stock
—
—
0.00
-100.00%
59.47
Sale Of Business
0.92
0.00
—
0.00
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