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CBANColony Bankcorp, Inc.
$20.17$428M
Overview & Verdict
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CBAN logoColony Bankcorp, Inc.(CBAN)Earnings, Financials & Key Ratios

CBAN•NASDAQ•Banking & Credit
$20.17
12.7× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutColony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and consumer customers. The company offers various deposit products, including demand, savings, and time deposits. 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 consumer loans. In addition, the company offers 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. As of January 20, 2022, it operated 39 locations throughout Georgia. The company was founded in 1975 and is headquartered in Fitzgerald, Georgia.Show more
  • Net Interest Income$92M+20.8%
  • Total Revenue$186M+5.4%
  • Net Income$28M+18.4%
  • Return on Equity8.63%-3.5%
  • Net Interest Margin2.46%+0.6%
  • Efficiency Ratio47.51%+1.3%
  • ROA0.83%+6.6%
  • Equity / Assets10.06%+12.3%
  • Book Value per Share21.13+33.1%

CBAN Price & Volume

Colony Bankcorp, Inc. (CBAN) stock price & volume — 10-year historical chart

Loading chart...

Revenue Growth Faces Persistent Margin Compression Headwinds

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Georgia CRE concentration risk

Key Thesis Takeaways

  • Colony Bankcorp demonstrates robust top-line momentum with 39.4% year-over-year net interest income growth, yet the bank's reliance on a $3.4 billion securities portfolio and geographic concentration in Georgia warrants caution.
  • While the firm maintains a stable 0.10 equity-to-assets ratio, the persistent net interest margin stagnation between 0.6% and 0.8% suggests limited pricing power in the current rate environment.
  • Investors should monitor the recent $1.8 million provision for loan losses, which may indicate emerging credit quality risks within the bank's specialized commercial real estate and agri-business portfolios.

Verdict Logic

while the bank shows accelerating revenue growth of 39.4% year-over-year, the current 0.98 price-to-book ratio and persistent margin compression suggest limited near-term upside potential.

CBAN Growth Metrics

Colony Bankcorp, Inc. (CBAN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years13.31%
5 Years16.33%
3 Years13.72%
TTM-

Profit CAGR

10 Years12.93%
5 Years19.05%
3 Years13.07%
TTM18.67%

EPS CAGR

10 Years8.4%
5 Years5.1%
3 Years11.73%
TTM11.89%

Return on Capital

10 Years6.81%
5 Years6.12%
3 Years5.71%
Last Year5.81%

CBAN Recent Earnings

Colony Bankcorp, Inc. (CBAN) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 3/12 qtrs (30%)●Beat Revenue 4/12 qtrs (44%)
Q2 2026Latest
Apr 22, 2026
Metric
Actual
Est
EPS
$0.45+0.0%
$0.45
Rev
$40M-0.8%
$40M
Q2 2026
Mar 13, 2026
Metric
Actual
Est
EPS
$0.42
—
Rev
$52M
—
Q1 2026
Jan 28, 2026
Metric
Actual
Est
EPS
$0.48+4.3%
$0.46
Rev
$37M+1.4%
$36M
Q4 2025
Oct 22, 2025
Metric
Actual
Est
EPS
$0.47+0.0%
$0.47
Rev
$33M-13.3%
$38M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$0.45vs $0.45+0.0%
$40Mvs $40M-0.8%
Q2 2026Mar 13, 2026
$0.42
$52M
Q1 2026Jan 28, 2026
$0.48vs $0.46+4.3%
$37Mvs $36M+1.4%
Q4 2025Oct 22, 2025
$0.47vs $0.47+0.0%
$33Mvs $38M-13.3%
Based on last 12 quarters of dataView full earnings history →

Latest CBAN News

Recent stock market news and headlines for Colony Bankcorp, Inc. (CBAN)

GuruFocus·1 day ago
Colony Bankcorp, Inc. Announces Date for Second Quarter 2026 Earnings Release and Conference Call

Colony Bankcorp, Inc. (NYSE: CBAN) (“Colony” or the “Company”) today announced that it will release its second quarter 2026 financial results on Wednesd

Business Wire·1 day ago
Colony Bankcorp, Inc. Announces Date for Second Quarter 2026 Earnings Release and Conference Call

FITZGERALD, Ga.--(BUSINESS WIRE)--Colony Bankcorp, Inc. (NYSE: CBAN) (“Colony” or the “Company”) today announced that it will release its second quarter 2026 financial results on Wednesday, July 22, 2026, after the stock market closes. The Company will also hold a live conference call on Thursday, July 23, 2026, at 9:00 AM ET.The conference call can be accessed by dialing 800-715-9871 and using the Conference ID: 1567957. Participants are encouraged to dial in 15 minutes prior to the call. A rep.

Business Wire·Jun 26, 2026
KBRA Comments on Colony Bancorp, Inc.'s Proposed Merger with First Reliance Bancshares, Inc.

NEW YORK--(BUSINESS WIRE)-- #creditratingagency--On June 24, 2026, Fitzgerald, GA-based Colony Bancorp, Inc. (NYSE: CBAN) (“Colony”), parent company of Colony Bank, and Florence, SC-based First Reliance Bancshares, Inc. (OTCQX: FSRL) (“First Reliance”), parent company of First Reliance Bank, jointly announced that they had entered into a definitive merger agreement pursuant to which First Reliance Bancshares, Inc. would merger with and into Colony Bancorp, Inc., and First Reliance Bank would merger with and into Col.

Business Wire·Jun 25, 2026
CBAN Stock Alert: Halper Sadeh LLC is Investigating Whether Colony Bankcorp, Inc. is Obtaining a Fair Price for its Shareholders

NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating the merger of Colony Bankcorp, Inc. (NYSE: CBAN) with First Reliance Bancshares, Inc.Halper Sadeh encourages Colony shareholders to click here to learn more about their rights and options or contact Daniel Sadeh or Zachary Halper free of charge at (212) 763-0060 or [email protected] or [email protected] investigation concerns whether Colony and its board of directors violated the federal secu.

Business Wire·Jun 24, 2026
Colony Bankcorp, Inc. and First Reliance Bancshares, Inc. Sign Definitive Merger Agreement to Create Transformational Southeast Banking Partnership

FITZGERALD, Ga. & FLORENCE, S.C.--(BUSINESS WIRE)--Colony Bankcorp, Inc. (NYSE: CBAN) (“Colony” or the “Company”), the holding company for Colony Bank, and First Reliance Bancshares, Inc. (OTCQX: FSRL) (“First Reliance”), the holding company for First Reliance Bank, today jointly announced the signing of a definitive merger agreement in which Colony has agreed to acquire 100% of the stock of First Reliance in a combined stock-and-cash transaction valued at approximately $163 million (the “Merge.

Peers Comparison

Key metrics vs top competitors for Colony Bankcorp, Inc. (CBAN)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CBAN logoCBANColony Bankcorp, Inc.Current
$20.17$428.05M12.695.37%15.18%8.63%2.24%
SBCF logoSBCFSeacoast Banking Corporation of Florida
$32.64$3.17B20.667.49%15.92%5.4%—
HOMB logoHOMBHome Bancshares, Inc.
$28.66$5.77B11.89-5.35%34.84%11.29%—
SFBS logoSFBSServisFirst Bancshares, Inc.
$86.05$4.7B17.014.13%29.04%16.31%—
HBCP logoHBCPHome Bancorp, Inc.
$68.55$537.61M11.684.93%22.17%10.86%—
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.29$224.61M15.95-9.41%16.49%8%—

Compare CBAN vs Peers

Colony Bankcorp, Inc. (CBAN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SBCF

Most directly comparable listed peer for CBAN.

Scale Benchmark

vs FISV

Larger-name benchmark to compare CBAN against a more recognizable public peer.

Peer Set

Compare Top 5

vs SBCF, HOMB, SFBS, HBCP

CBAN SEC Filings & Documents

Colony Bankcorp, Inc. (CBAN) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 22, 2026·SEC

Material company update

Apr 22, 2026·SEC

Material company update

Jan 28, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 14, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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CBAN Frequently Asked Questions

Colony Bankcorp, Inc. (CBAN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Colony Bankcorp, Inc. growing?

Colony Bankcorp, Inc. (CBAN) grew revenue by 5.4% over the past year. This is steady growth.

Is CBAN profitable?

Yes, Colony Bankcorp, Inc. (CBAN) is profitable, generating $29.8M in net income for fiscal year 2025 (15.2% net margin).

Dividend & Returns
Does CBAN pay dividends?

Yes, Colony Bankcorp, Inc. (CBAN) pays a dividend with a yield of 2.24%. This makes it attractive for income-focused investors.

What is CBAN's return on equity?

Colony Bankcorp, Inc. (CBAN) has a return on equity (ROE) of 8.6%. This is below average, suggesting room for improvement.

Industry Metrics
What is Colony Bankcorp, Inc.'s net interest margin?

Colony Bankcorp, Inc. (CBAN) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.

What is Colony Bankcorp, Inc.'s efficiency ratio?

Colony Bankcorp, Inc. (CBAN) has an efficiency ratio of 47.5%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CBAN back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →