Logo

CBAN

Colony Bankcorp, Inc.

CBAN

Colony Bankcorp, Inc. • NASDAQ
$17.15 ▲ 0.88% (+0.15)
Market Cap $299.90 M
52w High $18.41
52w Low $13.99
Dividend Yield 0.46%
P/E 10.79
Volume 20.52K
Outstanding Shares 17.49M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $46.983M ▲ $24.612M ▲ $5.819M ▼ 12.385% ▼ $0.33 ▼ $9.141M ▼
Q2-2025 $46.933M ▲ $22.004M ▲ $7.978M ▲ 16.999% ▲ $0.46 ▲ $11.807M ▲
Q1-2025 $44.569M ▼ $20.221M ▼ $6.613M ▼ 14.838% ▼ $0.38 ▼ $10.053M ▼
Q4-2024 $46.3M ▲ $21.272M ▲ $7.432M ▲ 16.052% ▲ $0.42 ▲ $10.867M ▲
Q3-2024 $44.686M $20.835M $5.629M 12.597% $0.32 $8.93M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $330.55M ▼ $3.153B ▲ $2.85B ▲ $302.332M ▲
Q2-2025 $401.162M ▼ $3.116B ▼ $2.822B ▼ $293.857M ▲
Q1-2025 $406.798M ▲ $3.172B ▲ $2.885B ▲ $286.925M ▲
Q4-2024 $64.845M ▼ $3.11B ▲ $2.831B ▲ $278.675M ▲
Q3-2024 $393.256M $3.065B $2.789B $276.052M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $5.819M ▼ $14.411M ▼ $47.544M ▲ $25.866M ▲ $87.821M ▲ $14.842M ▼
Q2-2025 $7.978M ▲ $15.843M ▼ $-55.636M ▲ $-69.267M ▼ $-109.06M ▼ $15.758M ▼
Q1-2025 $6.613M ▼ $17.945M ▲ $-79.64M ▼ $51.866M ▲ $-9.829M ▼ $17.599M ▲
Q4-2024 $7.432M ▲ $-3.243M ▼ $48.964M ▲ $40.46M ▼ $86.181M ▲ $-3.805M ▼
Q3-2024 $5.629M $20.495M $342K $42.014M $62.851M $20.208M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Bank Servicing
Bank Servicing
 $0 ▲$0 ▲$0 ▲$0 ▲
Credit Card
Credit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Mortgage Banking
Mortgage Banking
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Colony Bankcorp’s income statement shows a steady, gradual build rather than big swings. Revenue has climbed consistently over the past several years, and core profitability has generally kept pace. Operating and EBITDA margins look reasonably healthy for a community bank, suggesting decent cost control and disciplined growth. Net income has been stable to slightly up over time, with earnings per share moving around a bit but staying in a solid range. The picture is of a bank that is growing carefully, adding business lines, and keeping profitability intact rather than chasing rapid, risky expansion. The main watchpoints are how well it maintains margins as funding costs move and as it invests more in technology and specialty lending.

Balance Sheet

Balance Sheet The balance sheet points to a bank that has grown meaningfully in size while steadily building its capital base. Total assets have expanded over the last five years, with equity also rising, which suggests internal capital generation and a stronger foundation to support growth. Debt levels have increased, but from relatively low levels, so leverage has risen yet still appears manageable for a regional bank. Cash on hand is modest, which is typical for a bank that primarily holds loans and securities rather than large idle cash piles. Overall, the balance sheet looks like that of a growing regional bank that has scaled up but still needs to carefully manage funding costs, asset quality, and capital as it absorbs acquisitions and grows specialty lending.

Cash Flow

Cash Flow Cash flow has been generally positive and supportive of the growth story. Operating cash flow has been solid in most years, with only one notable weak year in the recent past. Free cash flow has largely tracked operating cash flow, since capital spending needs are relatively light for a bank focused more on people, systems, and acquisitions than on heavy physical investment. The limited capital expenditure figure reinforces that most growth spending is likely in technology, integration, and business development rather than hard assets. The key risk to watch is whether cash generation remains steady if credit conditions tighten or if deposit costs continue to rise, which could squeeze the cash profitability of the franchise.

Competitive Edge

Competitive Edge Colony Bankcorp sits in the regional and community banking niche but has tried to separate itself from a typical small bank model. Its competitive position benefits from a diversified mix of income sources, not just traditional lending and deposit spread. Mortgage banking, small business specialty lending, insurance, wealth management, and merchant services collectively give it multiple revenue streams and deeper relationships with customers. Its focus on SBA and USDA lending, with preferred lender status, gives it a strong angle in government‑backed small business financing. At the same time, it still enjoys the advantages of a community bank: local relationships, sticky deposits, and a footprint in growing Southeastern markets. The flip side is that it still faces intense competition from larger regional and national banks, credit unions, and fintechs, and must execute well on its specialty lines to maintain this edge.

Innovation and R&D

Innovation and R&D For a community bank, Colony is unusually active on the innovation front. It has embraced a partnership-driven model with fintech firms to modernize digital onboarding, streamline integrations, and apply artificial intelligence to lending decisions. The collaboration with an AI-based lending platform has already expanded its personal loan book and brought in new customers. Work with technology partners to build a data warehouse and reusable interfaces suggests a push toward better data, faster product rollout, and more flexible operations. The hiring of a Chief Innovation Officer and a Director of Process Optimization shows that innovation is not a side project but part of the core strategy. Rather than spending heavily on in‑house development, Colony is leveraging external platforms and APIs, which can accelerate progress but also creates some dependency on key partners. Overall, its innovation efforts look like a meaningful differentiator among community banks.

Summary

Colony Bankcorp comes across as a growing, relatively well-managed regional bank that is trying to blend traditional community banking strengths with a modern, technology-enabled model. Financially, revenue and earnings have trended upward at a measured pace, with reasonable profitability and a balance sheet that has scaled while maintaining a solid equity base. Cash generation has been adequate to support its growth path. Competitively, its diversified fee-based businesses, government-guaranteed small business lending expertise, and presence in attractive Southeastern markets provide multiple avenues for continued expansion. Its heavy use of partnerships and digital tools is somewhat atypical for a bank of its size and could be a notable long-term advantage if execution remains strong. Key uncertainties revolve around interest rate dynamics, credit quality as loan books expand, integration of acquisitions, and sustained performance of its specialty and fintech-enabled lines. Overall, the story is one of careful, innovation-led growth, with both clear strengths and the usual banking-sector risks to monitor.

NEWS

November 17, 2025 · 8:30 AM UTC

Colony Bankcorp, Inc. and TC Bancshares, Inc. Announce Regulatory and Shareholder Approvals Received for Merger

Read more

October 22, 2025 · 4:30 PM UTC

Colony Bankcorp Reports Third Quarter 2025 Results

Read more

October 6, 2025 · 8:30 AM UTC

Colony Bankcorp, Inc. Announces Date for Third Quarter 2025 Earnings Release and Conference Call

Read more

September 26, 2025 · 1:40 PM UTC

TC BANCSHARES INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of TC Bancshares, Inc. - TCBC

Read more