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Earnings Data
Report Date
Jul 22, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.48Last Year’s EPS
0.46Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call was broadly positive: management highlighted successful post-merger systems conversion and integration, meaningful revenue and margin improvements (aided by accretion), significant AUM growth and strong performance in mortgage, insurance and wealth lines, and stronger capital metrics. Headwinds include slower Q1 loan growth due to payoffs and volatile rates, deposit repositioning (municipal outflows), elevated one-time operating expenses from conversion, and variability in SBSL charge-offs. Management provided clear plans to realize cost savings, expects operating leverage as complementary lines seasonally recover, and reaffirmed a targeted ~8% loan growth with a Q2 ROA target of 1.20%. Overall, positives (integration, revenue/margin gains, capital and AUM growth, improved credit metrics) outweigh the transitory and manageable negatives.Company Guidance
Successful Integration and Systems Conversion
Completed core systems conversion and customer integration following the TC Federal merger, positioning the combined company for operational efficiencies and scale benefits.
Operating Income and Revenue Expansion
Operating net income of $9.5 million for Q1; operating pre-provision net revenue increased ~ $1.3 million to $13.9 million quarter-over-quarter.
Net Interest Income and Margin Improvement
Net interest income increased approximately $3.3 million in the quarter; net interest margin rose 16 basis points to 3.48% (core margin excluding accelerated accretion ~3.41%). Interest-earning assets component increased 13 bps to 5.33%; interest-bearing liabilities decreased 3 bps to 2.28%; overall cost of funds decreased 2 bps to 1.94%.
Strong Asset-Gathering and Wealth Momentum
Colony Financial Advisors AUM grew to $555 million at quarter-end, up from $198 million at the end of Q1 2025 (large year-over-year increase), and the unit reported its best quarter to date on a pretax basis.
Improved Mortgage and Complementary Business Performance
Mortgage pretax income rose to $222,000 from $31,000 in Q1 2025 driven by higher production and sales; overall complementary business lines showed meaningful pretax improvement versus prior year.
Credit Metrics and Reserves Strength
Quarter-over-quarter contraction in nonperforming loans and decline in criticized/classified loans; allowance for credit losses at 0.90% of total loans and 122% of nonperforming loans, signaling reserve coverage strength.
Capital and Balance Sheet Improvements
Tangible common equity (TCE) increased to 8.49% from 8.30% prior quarter; tangible book value per share rose to $14.65 from $14.31 at year-end and $13.46 a year ago.
External Validation and Shareholder Actions
Kroll Bond Rating Agency affirmed company and bank ratings with a stable outlook; the company repurchased ~89,000 shares at an average price of $19.78 and declared a quarterly cash dividend of $0.12 per share.
Operational Wins in Specialty Lines
Colony Insurance reported its best quarter to date for pretax income with strong referral activity; Marine & RV lending and merchant services showed progress and positive seasonality prospects; SBSL saw past dues down ~30% and nonaccruals down ~24% in the quarter.
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 |
|---|---|---|---|
Apr 22, 2026 | $20.68 | $19.86 | -3.99% |
Jan 28, 2026 | $18.34 | $19.25 | +4.96% |
Oct 22, 2025 | $16.42 | $16.00 | -2.56% |
Jul 23, 2025 | $17.34 | $16.31 | -5.95% |
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 Jul 22, 2026, Before Open (Confirmed).
What is Colony Bankcorp (CBAN) earnings time?
Colony Bankcorp (CBAN) earnings time is at Jul 22, 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 (Q2) is 0.48.