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Colony Bankcorp Inc.

Financial Services US CBAN

19.55USD
-0.32(1.61%)

Last update at 2026-06-03T20:00:00Z

Day Range

19.5019.80
LowHigh

52 Week Range

14.3421.61
LowHigh

Fundamentals

  • Previous Close 19.87
  • Market Cap436.57M
  • Volume177821
  • P/E Ratio12.97
  • Dividend Yield2.17%
  • Revenue TTM127.68M
  • Revenue Per Share TTM7.18
  • Gross Profit TTM 127.68M
  • Diluted EPS TTM1.59

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 35.13M 29.57M 27.21M 22.85M 23.15M
Minority interest - - - - -
Net income 28.25M 23.87M 21.75M 19.54M 18.66M
Selling general administrative 3.51M 49.77M 49.23M 52.81M 45.60M
Selling and marketing expenses - 4.01M 3.49M 3.66M 2.66M
Gross profit 123.56M 112.40M 110.28M 115.70M 102.48M
Reconciled depreciation 7.72M 8.13M 8.70M 11.63M 8.63M
Ebit 35.04M 29.57M 27.21M 33.72M 23.15M
Ebitda 35.13M 37.70M 35.91M 45.35M 31.78M
Depreciation and amortization 0.09M 8.13M 8.70M 11.63M 8.63M
Non operating income net other - - - - -
Operating income 35.13M 29.57M 27.21M 33.72M 23.15M
Other operating expenses 150.97M 147.05M 133.34M -81.98000M -79.32500M
Interest expense 58.05M 61.16M 46.67M 10.87M 4.40M
Tax provision 6.88M 5.70M 5.47M 3.31M 4.50M
Interest income 149.95M 137.24M 124.92M 91.49M 70.59M
Net interest income 91.90M 76.08M 78.24M 80.62M 66.19M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 6.88M 5.70M 5.47M 3.31M 4.50M
Total revenue 186.11M 176.62M 160.55M 115.70M 102.48M
Total operating expenses 88.42M 82.83M 83.06M -81.98000M -79.32500M
Cost of revenue 62.55M 64.22M 50.27M - -
Total other income expense net - -11.84000M -11.46600M -10.86500M -4.39700M
Discontinued operations - - - - -
Net income from continuing ops 28.25M 23.87M 21.75M 19.54M 18.66M
Net income applicable to common shares - - - 19.54M 18.66M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 3735.40M 3109.78M 3056.56M 2936.57M 2691.72M
Intangible assets 7.85M 2.98M 4.19M 5.66M 8.72M
Earning assets - - - - -
Other current assets -15.40000M - 96.87M 17.74M 489.65M
Total liab 3359.48M 2831.11M 2801.63M 2706.30M 2474.01M
Total stockholder equity 375.92M 278.68M 254.94M 230.27M 217.71M
Deferred long term liab - - - - -
Other current liab - 2567.94M 1807.12M 2491.00M -5.31300M
Common stock 21.25M 17.52M 17.56M 17.60M 13.67M
Capital stock 21.25M 17.52M 17.56M 17.60M 13.67M
Retained earnings 160.58M 140.37M 124.40M 111.57M 99.19M
Other liab - - - 10.06M 10.29M
Good will 63.87M 48.92M 48.92M 48.92M 52.91M
Other assets 3195.93M 2606.07M - 1475.04M 489.65M
Cash 27.31M 26.05M 25.34M 20.58M 197.23M
Cash and equivalents - - - - -
Total current liabilities 86.36M 2567.94M 1877.77M 2491.00M 5.31M
Current deferred revenue - - - - -
Net debt 241.12M 221.99M 214.94M 182.77M -108.78400M
Short term debt 86.36M - 70.64M - 5.31M
Short long term debt - - - - 5.31M
Short long term debt total 268.43M 248.04M 240.27M 203.35M 88.45M
Other stockholder equity 228.58M 168.35M 168.61M 167.54M 111.02M
Property plant equipment - - - 41.61M 43.03M
Total current assets 411.12M 64.84M 96.87M 453.14M 1145.22M
Long term investments 789.61M 813.82M 873.28M 912.20M 952.18M
Net tangible assets - - - 175.68M 156.08M
Short term investments 383.82M 38.80M 407.38M 432.55M 947.99M
Net receivables 15.40M - - - -
Long term debt 258.10M 248.04M 238.44M 203.35M 88.45M
Inventory - - - 0.65M 0.28M
Accounts payable - - - 2491.00M 2374.61M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -34.49300M -47.56700M -55.64300M -66.44000M -6.17700M
Additional paid in capital - - - - -
Common stock total equity - - - 17.60M 13.67M
Preferred stock total equity - - - - -
Retained earnings total equity - - - 111.57M 99.19M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -3001.62300M 294.51M 2733.77M -28.19900M -3.64400M
Deferred long term asset charges - - - - -
Non current assets total 128.35M 3044.94M 2959.69M 1008.40M 1056.84M
Capital lease obligations - - - - -
Long term debt total - - - 78.35M 36.79M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 133.70M 101.16M -98.75200M -450.16600M -239.45900M
Change to liabilities - - - 1.00M -4.16000M
Total cashflows from investing activities 1.29M 101.16M -98.75200M -448.22800M -208.33200M
Net borrowings 0.00000M 9.50M 35.00M 114.00M -107.78900M
Total cash from financing activities -10.71700M 23.15M 80.41M 281.93M 185.95M
Change to operating activities - - - -7.94500M -5.85600M
Net income 28.25M 23.87M 21.75M 19.54M 18.66M
Change in cash 0.16M 147.71M 2.64M -116.55400M 13.73M
Begin period cash flow 28.69M 83.32M 80.68M 197.23M 183.51M
End period cash flow 28.86M 231.03M 83.32M 80.68M 197.23M
Total cash from operating activities 9.59M 23.40M 20.98M 49.74M 36.10M
Issuance of capital stock - - 0.00000M 59.47M -
Depreciation 0.09M 8.13M 8.70M 11.63M 8.63M
Other cashflows from investing activities 1.29M 38.44M -148.29500M 4.83M 36.97M
Dividends paid 8.04M 7.90M 7.72M -7.15800M -4.46300M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -2.36800M -1.30500M -0.40600M 58.93M -
Other cashflows from financing activities -0.31100M 22.86M 53.54M 587.12M 298.21M
Change to netincome - - - 25.63M 14.58M
Capital expenditures 1.35M 1.08M 3.62M 2.90M 5.84M
Change receivables - - - - -
Cash flows other operating - - - -7.51100M -0.56700M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - -116.55400M 13.73M
Change in working capital -8.55600M -2.01200M -3.09800M -6.59200M -4.81400M
Stock based compensation 0.79M 1.30M 1.70M 1.74M 0.60M
Other non cash items -11.07900M -8.63600M -7.58400M 22.29M 19.75M
Free cash flow -6.89900M 22.32M 17.36M 46.85M 30.27M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CBAN
Colony Bankcorp Inc.		 -0.32 1.61% 19.55 12.97 11.00 3.42 1.20 5.35
HDB
HDFC Bank Limited ADR		 0.01 0.04% 23.55 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.425 1.38% 30.39 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 - -% 51.34 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

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Profile

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.

Colony Bankcorp Inc.

115 South Grant Street, Fitzgerald, GA, United States, 31750

Key Executives

Name Title Year Born
Mr. T. Heath Fountain CPA CEO & Director 1975
Mr. Brian D. Schmitt Exec. VP & Exec. Vice Chairman 1962
Mr. Terry L. Hester Director 1955
Mr. Max Edward Hoyle Jr. Chief Banking Officer & Exec. VP 1957
Mr. Roy Dallis Copeland Jr. Pres 1969
Mr. David Andrew Borrmann CFO & Exec. VP 1971
Ms. Laurie Senn Chief Operations Officer NA
Mr. Edward Lee Bagwell III Exec. VP, Chief Risk Officer, Gen. Counsel & Sec. 1967
Mr. Lawrence A. Whitley Chief People Officer NA
Mr. Walter P. Patten Exec. VP 1951

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