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Colony Bankcorp (CBAN)
NYSE:CBAN
Earnings Data
Report Date
Apr 29, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.51Last Year’s EPS
0.38Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a largely constructive picture: management achieved key profitability targets (1.0% operating ROA for 2025), reported quarter-over-quarter margin and net interest income improvement, successful close of the TC Federal acquisition with better-than-expected deal economics, and meaningful growth in complementary businesses (AUM doubling, insurance referrals +20%). Near-term lowlights include elevated operating expenses and merger-related costs until the systems conversion is complete, elevated provisions/charge-offs concentrated in specific higher-risk product lines, and an increase in criticized/classified and nonperforming loans driven in part by the acquisition. Management expects most merger-related cost savings and expense improvements to materialize in Q2 2026 and is guiding to modest margin expansion and slightly lower organic loan growth (~8%) in 2026. Overall, the positives—successful acquisition execution, margin expansion, strong FY loan growth, and improvements in complementary businesses—outweigh the near-term integration and credit noise, with a path to realizing cost saves and continued profitability improvement.Company Guidance
Successful TC Federal Acquisition and Integration Progress
Legal close completed at beginning of December; systems conversion on track for Q1 2026. Management reports deal financial targets are on track or better than expected and projected cost savings and deal economics improved versus original modeling (earn-back now expected to be <2.5 years).
Improved Operating Performance and Profitability
Operating net income increased by $675,000 quarter-over-quarter. Achieved a 1.0% operating ROA for fiscal year 2025 (management target) and set a new target of 1.20% ROA with expectation to achieve quarterly beginning Q2 2026 and full-year 2026.
Net Interest Income and Margin Expansion
Net interest income rose approximately $3.2 million versus the prior quarter. Net interest margin increased 15 basis points to 3.32% in the quarter, driven by higher earning asset yields and lower cost of funds.
Strong Loan Yield and Core Loan Growth
Loan yields increased to 6.19% from 6.15% quarter-over-quarter. Core organic loan growth for 2025 was 10.5% (excluding the TC Federal acquisition). Management expects modest margin expansion through 2026 driven by loan repricing.
Robust Complementary Lines of Business and Noninterest Income
Operating noninterest income was $11.1 million in Q4 with notable strength in mortgage and SBSL. Executed a $10 million portfolio mortgage pool sale with a gain of about $108,000. Management expects noninterest income to be slightly better in 2026.
Asset Management and Insurance Growth
Assets under management more than doubled from ~ $200 million at end of 2024 to over $460 million at end of 2025. Bank referrals to insurance increased 20% in 2025 and Colony Insurance showed year-over-year improvement in items and premiums in force.
Capital, Book Value and Shareholder Returns
Tangible common equity (TCE) ratio improved to 8.30% (from 8.00% prior quarter). Tangible book value per share increased to $14.31 from $14.24. Board increased quarterly dividend to $0.12 per share (up $0.02 annualized) and repurchased 47,000 shares at an average price of $16.50.
Balance Sheet and AOCI Improvements
Fair value of the investment portfolio improved quarter-over-quarter, producing a positive impact to accumulated other comprehensive income (AOCI) of about $2.5 million. Management highlighted opportunity to re-deploy payoffs at current market rates to support earnings.
Recognition and Talent Additions
Colony named one of American Bankers 2025 Best Banks to Work For (only Georgia-headquartered bank on the list). Added two financial advisers and transitioned to a dual-employee broker-dealer model; expects long-term revenue upside from AUM and adviser model conversion.
CBAN Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
CBAN Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 28, 2026 | $18.56 | $19.48 | +4.96% |
Oct 22, 2025 | $16.62 | $16.19 | -2.59% |
Jul 23, 2025 | $17.55 | $16.50 | -5.98% |
Apr 23, 2025 | $15.13 | $15.19 | +0.40% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Colony Bankcorp (CBAN) report earnings?
Colony Bankcorp (CBAN) is schdueled to report earning on Apr 29, 2026, Before Open (Confirmed).
What is Colony Bankcorp (CBAN) earnings time?
Colony Bankcorp (CBAN) earnings time is at Apr 29, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is CBAN EPS forecast?
CBAN EPS forecast for the fiscal quarter 2026 (Q1) is 0.51.