Colony Bankcorp (CBAN)
NYSE:CBAN
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Colony Bankcorp
(NYSE:CBAN)
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Rating:66Neutral
Price Target:
$21.50
â–²(1.18% Upside)
Action:Reiterated
Date:05/23/26
The score is driven mainly by solid underlying financial performance (steady growth, stable margins, improving leverage) but tempered by volatile cash flows. Valuation is supportive (mid-teens P/E with a ~2.4% yield), while technical signals are neutral-to-soft (slightly negative MACD). Earnings-call commentary adds a modest positive tilt due to post-merger integration progress and improving profitability targets, despite near-term headwinds in loan growth, deposits, and one-time costs.
Positive Factors
Improved Capital and Leverage
A materially improved debt-to-equity (~0.68) and rising equity/tangible book strengthen regulatory and loss-absorption capacity, supporting disciplined loan growth, M&A integration, and shareholder actions (dividends/repurchases). This durable capital base reduces solvency risk over cycles.
Negative Factors
Volatile Cash Generation
Cash conversion has been inconsistent, with negative operating/free cash flow in 2025 and a bounce in 2026 TTM. This volatility limits predictable internal funding for lending, reserves, buybacks or unexpected losses and reduces confidence in sustained free cash generation.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Capital and Leverage
A materially improved debt-to-equity (~0.68) and rising equity/tangible book strengthen regulatory and loss-absorption capacity, supporting disciplined loan growth, M&A integration, and shareholder actions (dividends/repurchases). This durable capital base reduces solvency risk over cycles.
Read all positive factors
Colony Bankcorp (CBAN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$418.96M
Dividend Yield2.55%
Average Volume (3M)75.55K
Price to Earnings (P/E)14.1
Beta (1Y)0.87
Revenue Growth12.81%
EPS Growth11.31%
CountryUS
Employees443
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.60
Shares Outstanding21,159,670
10 Day Avg. Volume112,396
30 Day Avg. Volume75,549
Financial Highlights & Ratios
PEG Ratio0.66
Price to Book (P/B)0.84
Price to Sales (P/S)1.70
P/FCF Ratio-45.95
Enterprise Value/Market Cap1.40
Enterprise Value/Revenue2.96
Enterprise Value/Gross Profit4.32
Enterprise Value/Ebitda13.75
Forecast
1Y Price Target
$23.50Price Target Upside10.59% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.97
Revenue Forecast (FY)$169.50M
Colony Bankcorp Business Overview & Revenue Model
Company Description
Colony 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 d...
How the Company Makes Money
Colony Bankcorp primarily makes money through its banking operations. The largest driver is generally net interest income: it earns interest and fees on interest-earning assets (especially commercial and consumer loans and, to a lesser extent, inv...
Colony Bankcorp Earnings Call Summary
Earnings Call Date:Apr 22, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 29, 2026
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.Positive Updates
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.
Negative Updates
Slower Loan Growth in Q1
Loan growth in Q1 was lower than 2025 levels due to early payoffs on acquired loans (including participations) and lighter demand; management now expects 2026 to trend nearer the low end of guidance (~8% growth target).
Read all updates
Q1-2026 Updates
Positive
Negative
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.
Read all positive updates
Company Guidance
Management guided to ramped post‑merger performance with a target 1.20% ROA in Q2, margin expected to trend toward the core margin (~3.41%) after Q1’s NIM of 3.48% (core NIM 3.41%) and to move a few basis points each quarter, and they expect cost savings from the conversion to begin in Q2; key Q1 metrics to frame guidance include operating net income $9.5M, operating PPNR $13.9M, net interest income up ~$3.3M, NIM +16 bps to 3.48% (interest‑earning asset yield 5.33%, interest‑bearing liabilities 2.28%, cost of funds ~1.94%), operating noninterest income $10.7M, operating noninterest expense $26M (net NIE/avg assets 1.68% trending toward a 1.45% target), provision $1.75M, core bank net charge‑offs ~$315k (~5 bps), ACL 0.90% of loans (122% of NPLs), loans HFI +$32.2M (~5.4% annualized), new/renewed loan yield 7.11% (portfolio yield ~6.35%), total deposits -$19M (municipal -$30M), Q1 merger‑related expense ~$1.6M, share repurchases ~89k shares at $19.78, dividend $0.12/sh, TCE 8.49%, tangible book $14.65, and AUM $555M (vs. $198M a year ago); management reiterated a 2026 loan growth target near 8% while expecting continued improvement in complementary businesses and disciplined M&A.Colony Bankcorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
70
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 197.97M | 186.11M | 176.62M | 160.55M | 126.56M | 106.88M |
| Gross Profit | 135.71M | 123.56M | 112.40M | 110.28M | 112.33M | 101.78M |
| EBITDA | 42.62M | 35.13M | 37.70M | 35.91M | 34.48M | 31.78M |
| Net Income | 29.84M | 28.25M | 23.87M | 21.75M | 19.54M | 18.66M |
Balance Sheet | ||||||
| Total Assets | 3.72B | 3.74B | 3.11B | 3.05B | 2.94B | 2.69B |
| Cash, Cash Equivalents and Short-Term Investments | 24.35M | 252.50M | 64.84M | 432.72M | 453.14M | 957.14M |
| Total Debt | 258.14M | 258.10M | 248.04M | 238.44M | 203.35M | 88.45M |
| Total Liabilities | 3.34B | 3.36B | 2.83B | 2.80B | 2.71B | 2.47B |
| Stockholders Equity | 380.40M | 375.92M | 278.68M | 254.94M | 230.27M | 217.71M |
Cash Flow | ||||||
| Free Cash Flow | 30.12M | -6.90M | 22.32M | 17.36M | 46.85M | 30.27M |
| Operating Cash Flow | 30.76M | -5.54M | 23.40M | 20.98M | 49.74M | 36.10M |
| Investing Cash Flow | 90.40M | 3.41M | 101.16M | -98.75M | -448.23M | -208.33M |
| Financing Cash Flow | -46.57M | 28.74M | 23.15M | 80.41M | 281.93M | 185.95M |
Colony Bankcorp Technical Analysis
Positive
21.25
Price Trends
19.91
Negative
19.65
Positive
18.21
Positive
Market Momentum
-0.05
Negative
51.06
Neutral
56.03
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBAN, the sentiment is Positive. The current price of 21.25 is above the 20-day moving average (MA) of 19.62, above the 50-day MA of 19.91, and above the 200-day MA of 18.21, indicating a neutral trend. The MACD of -0.05 indicates Negative momentum. The RSI at 51.06 is Neutral, neither overbought nor oversold. The STOCH value of 56.03 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CBAN.
Colony Bankcorp Risk Analysis
Colony Bankcorp disclosed 48 risk factors in its most recent earnings report. Colony Bankcorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Colony Bankcorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $349.75M | 8.61 | 10.43% | 3.57% | 8.84% | 43.25% | |
76 Outperform | $366.73M | 11.42 | 13.34% | 2.63% | 21.59% | -4.49% | |
72 Outperform | $301.85M | 9.23 | 10.88% | 3.17% | 5.91% | -1.54% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $418.96M | 14.08 | 8.83% | 2.55% | 12.81% | 11.31% | |
64 Neutral | $328.24M | 8.90 | 13.08% | 5.24% | 5.29% | 28.67% | |
53 Neutral | $377.32M | 21.37 | 5.54% | 5.43% | 13.25% | -37.82% |
* Financial Sector Average
CBAN
Colony Bankcorp
19.80
5.22
35.78%
CZNC
Citizens & Northern
21.06
3.74
21.57%
FNLC
First Bancorp
29.11
6.37
28.03%
PLBC
Plumas Bancorp
52.63
10.91
26.16%
FSBW
FS Bancorp
40.71
3.82
10.35%
PCB
PCB Bancorp
24.57
6.13
33.21%
Colony Bankcorp Corporate Events
Executive/Board ChangesShareholder Meetings
Colony Bankcorp Shareholders Back Board, Pay and Auditor
Positive
May 22, 2026
Colony Bankcorp reported that on May 21, 2026, it successfully held its Annual Meeting of shareholders, with 76.22% of its 21,172,315 outstanding common shares represented in person or by proxy, constituting a quorum. Shareholders elected eight di...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Colony Bankcorp Posts Strong Q1 2026 Earnings Growth
Positive
Apr 22, 2026
Colony Bankcorp reported that first-quarter 2026 net income rose to $8.2 million, or $0.39 per diluted share, up from $6.6 million, or $0.38, a year earlier, supported by higher net interest income, an expanded net interest margin of 3.48%, and an...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.