Colony Bankcorp (CBAN) AI Stock Analysis

• Market Cap: $281.57M
• Dividend Yield: 2.81%
• Average Volume (3M): 49.04K
• Price to Earnings (P/E): 10.1
• Beta (1Y): 0.97
• Revenue Growth: 6.92%
• EPS Growth: 26.93%
• Country: US
• Employees: 443
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.47
• Shares Outstanding: 17,434,631
• 10 Day Avg. Volume: 56,084
• 30 Day Avg. Volume: 49,039
• PEG Ratio: 1.23
• Price to Book (P/B): 1.02
• Price to Sales (P/S): 1.60
• P/FCF Ratio: 12.70
• Enterprise Value/Market Cap: 1.85
• Enterprise Value/Revenue: 3.34
• Enterprise Value/Gross Profit: 17.25
• Enterprise Value/Ebitda: 9.27
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 1.78
• Revenue Forecast (FY): $134.40M

• Rating: 72 Outperform
• Price Target: $18.50 ▲(13.15% Upside)

Colony Bankcorp's strong financial performance and positive earnings call are significant strengths, contributing to a solid overall score. Technical analysis indicates potential short-term weakness, while valuation metrics suggest the stock is reasonably priced. The absence of notable corporate events does not impact the score.

Colony Bankcorp Business Overview & Revenue Model

Company Description

Colony Bankcorp (CBAN) is a financial services holding company based in the United States, primarily engaged in commercial banking through its wholly-owned subsidiary, Colony Bank. The bank offers a range of financial products and services, including personal and commercial loans, deposit accounts, and mortgage services. Colony Bankcorp operates primarily in the southeastern region, focusing on providing tailored banking solutions to individuals, small businesses, and corporate clients.

How the Company Makes Money

Colony Bankcorp generates revenue primarily through interest income earned on loans and investments. The company extends various types of loans, including commercial, consumer, and real estate loans, which typically yield higher interest rates compared to deposit accounts. Additionally, the bank earns non-interest income from service fees, transaction charges, and asset management services. Significant partnerships with local businesses and community organizations enhance customer acquisition and retention, contributing to its earnings. The bank also focuses on expanding its branch network and digital banking services to drive growth in deposits and loan demand.

Colony Bankcorp Financial Statement Overview

Summary

Colony Bankcorp shows strong financial health with consistent revenue growth and solid profitability margins. The balance sheet is stable, though increasing debt levels warrant attention. Cash flow generation is impressive, supporting the company's financial flexibility.

Income Statement

Colony Bankcorp demonstrates solid revenue growth with a TTM revenue growth rate of 2.30%. The company maintains healthy margins, with a gross profit margin of 64.95% and a net profit margin of 15.15% in the TTM. EBIT and EBITDA margins are also strong, indicating efficient operations. However, the slight decline in gross profit margin over the years suggests potential cost pressures.

Balance Sheet

The balance sheet reflects a moderate debt-to-equity ratio of 0.63 in the TTM, showing a manageable level of leverage. Return on equity is at 9.74%, indicating effective use of equity to generate profits. The equity ratio is stable, suggesting a solid capital structure. However, the historical trend of increasing debt levels could pose future risks if not managed carefully.

Cash Flow

The cash flow statement shows a robust free cash flow growth rate of 42.20% in the TTM, highlighting strong cash generation capabilities. The operating cash flow to net income ratio is low, suggesting potential improvements in cash conversion. The free cash flow to net income ratio is high, indicating efficient cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	155.55M	176.62M	160.55M	126.56M	106.88M	87.37M
Gross Profit	30.13M	112.40M	110.28M	112.33M	101.78M	72.93M
EBITDA	56.06M	37.70M	35.91M	34.48M	31.78M	20.49M
Net Income	27.84M	23.87M	21.75M	19.54M	18.66M	11.81M
Balance Sheet
Total Assets	3.15B	3.11B	3.05B	2.94B	2.69B	1.76B
Cash, Cash Equivalents and Short-Term Investments	330.55M	64.84M	432.72M	453.14M	957.14M	398.03M
Total Debt	0.00	248.04M	238.44M	203.35M	88.45M	60.29M
Total Liabilities	2.85B	2.83B	2.80B	2.71B	2.47B	1.62B
Stockholders Equity	302.33M	278.68M	254.94M	230.27M	217.71M	144.49M
Cash Flow
Free Cash Flow	44.39M	22.32M	17.36M	46.85M	30.27M	-23.34M
Operating Cash Flow	44.96M	23.40M	20.98M	49.74M	36.10M	-19.09M
Investing Cash Flow	-38.77M	101.16M	-98.75M	-448.23M	-208.33M	-130.27M
Financing Cash Flow	48.92M	23.15M	80.41M	281.93M	185.95M	228.77M

Colony Bankcorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.35
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 16.35 is above the 20-day moving average (MA) of 16.19, below the 50-day MA of 16.71, and above the 200-day MA of 16.15, indicating a neutral trend. The MACD of -0.14 indicates Negative momentum. The RSI at 51.30 is Neutral, neither overbought nor oversold. The STOCH value of 55.92 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CBAN.

Colony Bankcorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PCB	80 Outperform	$313.88M	9.17	9.38%	3.65%	10.93%	42.68%
FSBW	73 Outperform	$288.43M	9.27	10.77%	3.33%	4.43%	-12.94%
CBAN	72 Outperform	$281.57M	10.14	9.63%	2.81%	6.92%	26.93%
FNLC	72 Outperform	$278.70M	8.84	11.86%	5.72%	10.46%	18.70%
CZNC	70 Outperform	$340.28M	10.95	9.42%	5.79%	5.76%	21.85%
PLBC	68 Neutral	$289.28M	9.73	12.34%	2.86%	11.98%	-10.12%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Colony Bankcorp Corporate Events

Colony Bankcorp Enters Equity Distribution Agreement

On November 3, 2025, Colony Bankcorp, Inc. and its subsidiary, Colony Bank, entered into an Equity Distribution Agreement with Piper Sandler & Co. to issue and sell up to $40 million of the company’s common stock. The proceeds from this offering are intended for general corporate purposes, including supporting the bank’s lending and investing activities, repaying debt, and funding strategic initiatives. The agreement allows for flexible sales methods and includes customary terms and conditions, with no obligation for the company to sell any stock.

The most recent analyst rating on (CBAN) stock is a Buy with a $18.50 price target. To see the full list of analyst forecasts on Colony Bankcorp stock, see the CBAN Stock Forecast page.

Colony Bankcorp’s Earnings Call: Mixed Sentiments and Strategic Growth

The recent earnings call for Colony Bankcorp presented a mixed sentiment, reflecting both positive achievements and notable challenges. The company showcased strong performance in net interest margin expansion, loan growth, and noninterest income. However, it also faced hurdles such as increased charge-offs, a slowdown in the mortgage and SBSL divisions, and higher operating expenses.

Colony Bankcorp Reports Steady Q3 2025 Performance

Colony Bankcorp, Inc. is a bank holding company for Colony Bank, offering a range of banking solutions including mortgage lending, government-guaranteed lending, consumer insurance, and wealth management, primarily operating in Georgia and parts of Alabama and Florida. In its third quarter of 2025, Colony Bankcorp reported a net income of $5.8 million, a slight increase from the previous year but a decrease from the previous quarter. The company declared a quarterly cash dividend of $0.1150 per share. Key financial metrics showed a growth in total loans to $2.04 billion and total deposits to $2.58 billion, with a net interest margin increase to 3.17%. The bank’s operating net income rose to $8.2 million, driven by an expansion in net interest margin and strong noninterest income. The company also highlighted its ongoing merger with TC Federal Bank, expected to close in the fourth quarter, and its strategic investments in talent to drive future growth. Looking forward, Colony Bankcorp is optimistic about its growth trajectory, supported by strategic investments and a focus on sustainable performance.

Colony Bankcorp Reports Q3 2025 Financial Results

Colony Bankcorp reported its third quarter 2025 financial results, highlighting a net income of $5.8 million, a slight decrease from the previous quarter. The company declared a quarterly cash dividend of $0.1150 per share. Despite a decrease in net income, operating net income increased to $8.2 million, driven by a rise in operating revenue and net interest margin expansion. The company also noted strong loan growth and a progressing merger with TC Federal Bank, expected to close in the fourth quarter. Total assets increased to $3.15 billion, with significant growth in loans and deposits. The company maintains a strong capital position, exceeding regulatory requirements.

The most recent analyst rating on (CBAN) stock is a Buy with a $18.00 price target. To see the full list of analyst forecasts on Colony Bankcorp stock, see the CBAN Stock Forecast page.