Colony Bankcorp (CBAN) Financials

$15.62 -0.10 (-0.64%)

Closing price 05/6/2025 03:59 PM Eastern

Extended Trading

$15.60 -0.02 (-0.13%)

As of 04:38 AM Eastern

Annual Income Statements for Colony Bankcorp

This table shows Colony Bankcorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Period end date	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	20	22	24
Consolidated Net Income / (Loss)	20	22	24
Net Income / (Loss) Continuing Operations	20	22	24
Total Pre-Tax Income	23	27	30
Total Revenue	116	114	115
Net Interest Income / (Expense)	81	78	76
Total Interest Income	92	125	137
Loans and Leases Interest Income	71	99	112
Investment Securities Interest Income	20	23	21
Deposits and Money Market Investments Interest Income	0.89	2.34	4.59
Total Interest Expense	11	47	61
Deposits Interest Expense	5.88	35	50
Long-Term Debt Interest Expense	2.56	6.76	7.21
Federal Funds Purchased and Securities Sold Interest Expense	0.05	0.15	0.00
Other Interest Expense	2.37	4.30	3.95
Total Non-Interest Income	35	36	39
Other Service Charges	28	29	30
Net Realized & Unrealized Capital Gains on Investments	6.13	5.06	7.41
Other Non-Interest Income	1.31	1.40	1.73
Provision for Credit Losses	3.37	3.60	3.05
Total Non-Interest Expense	89	83	83
Salaries and Employee Benefits	53	49	50
Net Occupancy & Equipment Expense	16	15	15
Marketing Expense	3.66	3.49	4.01
Other Operating Expenses	17	16	14
Income Tax Expense	3.31	5.47	5.70
Basic Earnings per Share	$1.14	$1.24	$1.36
Weighted Average Basic Shares Outstanding	17.19M	17.58M	17.56M
Diluted Earnings per Share	$1.14	$1.24	$1.36
Weighted Average Diluted Shares Outstanding	17.19M	17.58M	17.56M
Weighted Average Basic & Diluted Shares Outstanding	17.59M	17.56M	17.52M
Cash Dividends to Common per Share	$0.43	$0.44	$0.45

This table shows Colony Bankcorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	5.25	5.55	5.04	5.30	5.80	5.60	5.33	5.47	5.63	7.43
Consolidated Net Income / (Loss)	5.25	5.55	5.04	5.30	5.80	5.60	5.33	5.47	5.63	7.43
Net Income / (Loss) Continuing Operations	5.25	5.55	5.04	5.30	5.80	5.60	5.33	5.47	5.63	7.43
Total Pre-Tax Income	6.36	6.36	6.16	6.50	7.46	7.09	6.74	6.93	7.04	8.86
Total Revenue	29	29	28	28	29	28	28	28	29	31
Net Interest Income / (Expense)	21	21	21	19	20	19	19	18	19	20
Total Interest Income	24	26	28	31	33	33	33	33	35	36
Loans and Leases Interest Income	18	20	22	24	26	27	27	28	29	28
Investment Securities Interest Income	5.27	5.65	5.86	5.99	5.77	5.70	5.52	5.05	5.25	5.16
Deposits and Money Market Investments Interest Income	-	-	0.36	0.71	0.79	0.49	0.69	0.68	0.86	2.36
Total Interest Expense	2.83	4.98	7.80	12	13	14	15	15	16	16
Deposits Interest Expense	1.45	3.20	5.00	8.56	10	12	12	12	13	13
Long-Term Debt Interest Expense	0.56	0.82	1.63	1.95	1.57	1.62	1.57	1.82	1.91	1.91
Other Interest Expense	0.82	0.93	1.09	1.03	1.04	1.14	0.99	1.00	1.00	0.96
Total Non-Interest Income	8.15	7.68	7.66	8.95	9.72	9.31	9.49	9.50	10	10
Other Service Charges	0.72	19	6.27	1.32	1.98	20	7.46	7.18	7.93	7.68
Net Realized & Unrealized Capital Gains on Investments	1.12	1.40	1.06	1.11	1.27	1.63	1.49	1.92	1.77	2.22
Other Non-Interest Income	6.30	-12	0.33	6.53	6.47	-12	0.53	0.40	0.38	0.41
Provision for Credit Losses	1.32	0.90	0.90	0.20	1.00	1.50	1.00	0.65	0.75	0.65
Total Non-Interest Expense	21	22	21	21	21	20	20	20	21	21
Salaries and Employee Benefits	12	12	13	13	12	11	12	12	13	13
Net Occupancy & Equipment Expense	4.14	4.22	3.96	3.50	3.68	3.69	3.62	3.70	3.67	4.14
Marketing Expense	0.88	1.33	0.99	0.67	0.77	1.05	0.96	0.97	0.97	1.12
Other Operating Expenses	4.20	3.97	3.60	3.91	4.46	3.54	3.80	3.38	3.60	3.14
Income Tax Expense	1.11	0.81	1.12	1.20	1.65	1.49	1.41	1.45	1.41	1.43
Basic Earnings per Share	$0.30	$0.31	$0.29	$0.30	$0.33	$0.32	$0.30	$0.31	$0.32	$0.43
Weighted Average Basic Shares Outstanding	17.65M	17.19M	17.60M	17.58M	17.57M	17.58M	17.56M	17.55M	17.59M	17.56M
Diluted Earnings per Share	$0.30	$0.31	$0.29	$0.30	$0.33	$0.32	$0.30	$0.31	$0.32	$0.43
Weighted Average Diluted Shares Outstanding	17.65M	17.19M	17.60M	17.58M	17.57M	17.58M	17.56M	17.55M	17.59M	17.56M
Weighted Average Basic & Diluted Shares Outstanding	17.64M	17.59M	17.59M	17.57M	17.57M	17.56M	17.56M	17.59M	17.53M	17.52M
Cash Dividends to Common per Share	$0.11	$0.11	$0.11	$0.11	$0.11	$0.11	$0.11	$0.11	$0.11	$0.11

This table details how cash moves in and out of Colony Bankcorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Period end date	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	-117	2.64	148
Net Cash From Operating Activities	50	21	23
Net Cash From Continuing Operating Activities	50	21	23
Net Income / (Loss) Continuing Operations	20	22	24
Consolidated Net Income / (Loss)	20	22	24
Provision For Loan Losses	3.37	3.60	3.05
Depreciation Expense	12	8.70	8.13
Non-Cash Adjustments to Reconcile Net Income	22	-11	-11
Changes in Operating Assets and Liabilities, net	-6.59	-1.68	-0.29
Net Cash From Investing Activities	-448	-99	101
Net Cash From Continuing Investing Activities	-448	-99	101
Purchase of Property, Leasehold Improvements and Equipment	-2.90	-3.62	-1.08
Purchase of Investment Securities	-578	-156	-20
Sale of Property, Leasehold Improvements and Equipment	0.52	0.43	0.08
Sale and/or Maturity of Investments	132	61	122
Net Cash From Financing Activities	282	80	23
Net Cash From Continuing Financing Activities	282	80	23
Net Change in Deposits	116	54	23
Issuance of Debt	632	1,235	290
Repayment of Debt	-518	-1,200	-281
Repurchase of Common Equity	-0.54	-0.41	-1.31
Payment of Dividends	-7.16	-7.72	-7.90
Other Financing Activities, Net	-0.23	-0.25	-0.30
Cash Interest Paid	10	45	62
Cash Income Taxes Paid	3.84	5.21	4.72

This table details how cash moves in and out of Colony Bankcorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Net Change in Cash & Equivalents	8.56	-4.36	1.29	73	-14	-58	11	-13	63	86
Net Cash From Operating Activities	25	14	11	-4.72	8.55	5.77	5.03	1.12	20	-3.24
Net Cash From Continuing Operating Activities	25	14	11	-4.72	8.55	5.77	5.03	1.12	20	-3.24
Net Income / (Loss) Continuing Operations	5.25	5.55	5.04	5.30	5.80	5.60	5.33	5.47	5.63	7.43
Consolidated Net Income / (Loss)	5.25	5.55	5.04	5.30	5.80	5.60	5.33	5.47	5.63	7.43
Provision For Loan Losses	1.32	0.90	0.90	0.20	1.00	1.50	1.00	0.65	0.75	0.65
Depreciation Expense	2.56	2.31	2.23	2.28	2.14	2.05	2.00	2.23	1.89	2.01
Non-Cash Adjustments to Reconcile Net Income	15	8.45	4.17	-16	1.82	-1.71	-2.76	-9.03	13	-12
Changes in Operating Assets and Liabilities, net	1.39	-2.93	-0.96	3.16	-2.22	-1.66	-0.55	1.80	-0.41	-1.13
Net Cash From Investing Activities	-99	-143	-58	-21	-14	-5.32	51	0.95	0.34	49
Net Cash From Continuing Investing Activities	-99	-143	-58	-21	-14	-5.32	51	0.95	0.34	49
Purchase of Property, Leasehold Improvements and Equipment	-0.58	-1.45	-0.89	-1.18	-0.91	-0.63	-0.10	-0.13	-0.29	-0.56
Purchase of Investment Securities	-156	-169	-67	-40	-27	-23	22	-29	-29	16
Sale of Property, Leasehold Improvements and Equipment	-	0.45	-	-	0.31	-	-	-	0.02	0.04
Sale and/or Maturity of Investments	57	28	9.38	20	13	18	29	30	30	33
Net Cash From Financing Activities	82	124	48	99	-7.98	-58	-45	-15	42	40
Net Cash From Continuing Financing Activities	82	124	48	99	-7.98	-58	-45	-15	42	40
Net Change in Deposits	78	81	25	111	-36	-47	-22	-63	65	43
Issuance of Debt	240	312	320	285	335	295	50	140	50	50
Repayment of Debt	-210	-267	-295	-295	-305	-305	-71	-90	-70	-50
Repurchase of Common Equity	-	-0.54	-	-	-	-	-	-	-0.53	-0.54
Payment of Dividends	-1.90	-1.90	-1.93	-1.93	-1.93	-1.93	-1.98	-1.98	-1.98	-1.97
Cash Interest Paid	1.91	5.17	6.73	11	12	15	15	15	16	16
Cash Income Taxes Paid	0.40	0.21	0.00	1.93	2.07	1.21	0.00	2.91	1.68	0.12

This table presents Colony Bankcorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Period end date	12/31/2022	12/31/2023	12/31/2024
Total Assets	2,937	3,053	3,110
Cash and Due from Banks	21	25	26
Interest Bearing Deposits at Other Banks	60	58	205
Trading Account Securities	916	884	836
Loans and Leases, Net of Allowance	1,721	1,865	1,824
Loans and Leases	1,737	1,883	1,843
Allowance for Loan and Lease Losses	16	18	19
Premises and Equipment, Net	42	40	38
Goodwill	49	49	49
Intangible Assets	5.66	4.19	2.98
Other Assets	123	128	129
Total Liabilities & Shareholders' Equity	2,937	3,053	3,110
Total Liabilities	2,706	2,798	2,831
Non-Interest Bearing Deposits	569	499	462
Interest Bearing Deposits	1,922	2,046	2,106
Long-Term Debt	203	238	248
Other Long-Term Liabilities	12	15	15
Commitments & Contingencies	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	230	255	279
Total Preferred & Common Equity	230	255	279
Preferred Stock	0.00	0.00	0.00
Total Common Equity	230	255	279
Common Stock	185	186	186
Retained Earnings	112	124	140
Accumulated Other Comprehensive Income / (Loss)	-66	-56	-48

This table presents Colony Bankcorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024
Total Assets	2,806	2,997	3,101	3,094	3,016	3,008	3,065
Cash and Due from Banks	19	25	27	23	23	22	23
Interest Bearing Deposits at Other Banks	67	57	128	118	72	60	122
Trading Account Securities	932	912	903	878	861	860	838
Loans and Leases, Net of Allowance	1,571	1,783	1,822	1,848	1,840	1,847	1,866
Loans and Leases	1,587	1,800	1,839	1,865	1,859	1,866	1,886
Allowance for Loan and Lease Losses	15	17	17	17	19	19	20
Premises and Equipment, Net	41	42	42	43	39	38	38
Goodwill	49	49	49	49	49	49	49
Intangible Assets	6.07	5.26	4.88	4.53	3.86	3.54	3.25
Other Assets	121	1,907	125	131	127	129	125
Total Liabilities & Shareholders' Equity	2,806	2,997	3,101	3,094	3,016	3,008	3,065
Total Liabilities	2,580	2,758	2,862	2,855	2,756	2,743	2,789
Non-Interest Bearing Deposits	558	538	541	494	476	438	440
Interest Bearing Deposits	1,851	1,978	2,086	2,097	2,046	2,023	2,085
Long-Term Debt	158	228	218	248	218	268	248
Other Long-Term Liabilities	12	14	16	15	15	15	16
Total Equity & Noncontrolling Interests	226	239	239	239	260	265	276
Total Preferred & Common Equity	226	239	239	239	260	265	276
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	226	239	239	239	260	265	276
Common Stock	185	186	186	186	187	187	186
Retained Earnings	108	113	117	121	128	131	135
Accumulated Other Comprehensive Income / (Loss)	-67	-60	-63	-68	-54	-53	-45

This table displays calculated financial ratios and metrics derived from Colony Bankcorp's official financial filings.

Metric	2022	2023	2024
Period end date	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-
Revenue Growth	12.90%	-1.57%	1.38%
EBITDA Growth	8.49%	4.16%	4.96%
EBIT Growth	-1.30%	19.08%	8.65%
NOPAT Growth	4.73%	11.28%	9.75%
Net Income Growth	4.73%	11.28%	9.75%
EPS Growth	-31.33%	8.77%	9.68%
Operating Cash Flow Growth	37.77%	-57.82%	11.52%
Free Cash Flow Firm Growth	-548.32%	64.78%	75.10%
Invested Capital Growth	41.63%	13.78%	6.76%
Revenue Q/Q Growth	-0.35%	-0.79%	2.31%
EBITDA Q/Q Growth	1.04%	1.33%	4.80%
EBIT Q/Q Growth	4.98%	2.76%	6.36%
NOPAT Q/Q Growth	7.66%	0.22%	8.32%
Net Income Q/Q Growth	7.66%	0.22%	8.32%
EPS Q/Q Growth	3.64%	0.81%	8.80%
Operating Cash Flow Q/Q Growth	63.68%	-28.84%	-27.81%
Free Cash Flow Firm Q/Q Growth	-78.36%	53.06%	36.56%
Invested Capital Q/Q Growth	12.80%	1.29%	0.50%
Profitability Metrics	-	-	-
EBITDA Margin	29.80%	31.54%	32.65%
EBIT Margin	19.75%	23.90%	25.61%
Profit (Net Income) Margin	16.89%	19.10%	20.67%
Tax Burden Percent	85.52%	79.91%	80.73%
Interest Burden Percent	100.00%	100.00%	100.00%
Effective Tax Rate	14.48%	20.09%	19.27%
Return on Invested Capital (ROIC)	5.28%	4.69%	4.68%
ROIC Less NNEP Spread (ROIC-NNEP)	5.28%	4.69%	4.68%
Return on Net Nonoperating Assets (RNNOA)	3.44%	4.27%	4.27%
Return on Equity (ROE)	8.72%	8.96%	8.95%
Cash Return on Invested Capital (CROIC)	-29.18%	-8.20%	-1.86%
Operating Return on Assets (OROA)	0.81%	0.91%	0.96%
Return on Assets (ROA)	0.69%	0.73%	0.77%
Return on Common Equity (ROCE)	8.72%	8.96%	8.95%
Return on Equity Simple (ROE_SIMPLE)	8.49%	8.53%	8.56%
Net Operating Profit after Tax (NOPAT)	20	22	24
NOPAT Margin	16.89%	19.10%	20.67%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	63.06%	59.32%	59.68%
Operating Expenses to Revenue	77.34%	72.94%	71.75%
Earnings before Interest and Taxes (EBIT)	23	27	30
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	34	36	38
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	0.91	0.88	1.01
Price to Tangible Book Value (P/TBV)	1.19	1.11	1.24
Price to Revenue (P/Rev)	1.81	1.97	2.43
Price to Earnings (P/E)	10.69	10.30	11.77
Dividend Yield	3.63%	3.45%	2.81%
Earnings Yield	9.36%	9.71%	8.50%
Enterprise Value to Invested Capital (EV/IC)	0.76	0.77	0.57
Enterprise Value to Revenue (EV/Rev)	2.87	3.33	2.58
Enterprise Value to EBITDA (EV/EBITDA)	9.62	10.56	7.90
Enterprise Value to EBIT (EV/EBIT)	14.51	13.93	10.08
Enterprise Value to NOPAT (EV/NOPAT)	16.97	17.43	12.48
Enterprise Value to Operating Cash Flow (EV/OCF)	6.67	18.07	12.73
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00
Leverage & Solvency	-	-	-
Debt to Equity	0.88	0.94	0.89
Long-Term Debt to Equity	0.88	0.94	0.89
Financial Leverage	0.65	0.91	0.91
Leverage Ratio	12.56	12.35	11.55
Compound Leverage Factor	12.56	12.35	11.55
Debt to Total Capital	46.90%	48.33%	47.09%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	46.90%	48.33%	47.09%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	53.10%	51.67%	52.91%
Debt to EBITDA	5.90	6.64	6.58
Net Debt to EBITDA	3.56	4.32	0.45
Long-Term Debt to EBITDA	5.90	6.64	6.58
Debt to NOPAT	10.41	10.96	10.39
Net Debt to NOPAT	6.28	7.13	0.71
Long-Term Debt to NOPAT	10.41	10.96	10.39
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	-108	-38	-9.47
Operating Cash Flow to CapEx	2,093.48%	658.81%	2,333.10%
Free Cash Flow to Firm to Interest Expense	-9.93	-0.81	-0.15
Operating Cash Flow to Interest Expense	4.58	0.45	0.38
Operating Cash Flow Less CapEx to Interest Expense	4.36	0.38	0.37
Efficiency Ratios	-	-	-
Asset Turnover	0.04	0.04	0.04
Fixed Asset Turnover	2.73	2.80	2.97
Capital & Investment Metrics	-	-	-
Invested Capital	434	493	527
Invested Capital Turnover	0.31	0.25	0.23
Increase / (Decrease) in Invested Capital	127	60	33
Enterprise Value (EV)	332	379	298
Market Capitalization	209	224	281
Book Value per Share	$13.05	$14.51	$15.90
Tangible Book Value per Share	$9.96	$11.49	$12.94
Total Capital	434	493	527
Total Debt	203	238	248
Total Long-Term Debt	203	238	248
Net Debt	123	155	17
Capital Expenditures (CapEx)	2.38	3.19	1.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	203	238	248
Total Depreciation and Amortization (D&A)	12	8.70	8.13
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$1.14	$1.24	$1.36
Adjusted Weighted Average Basic Shares Outstanding	17.19M	17.58M	17.56M
Adjusted Diluted Earnings per Share	$1.14	$1.24	$1.36
Adjusted Weighted Average Diluted Shares Outstanding	17.19M	17.58M	17.56M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	17.59M	17.56M	17.52M
Normalized Net Operating Profit after Tax (NOPAT)	20	22	24
Normalized NOPAT Margin	16.89%	19.10%	20.67%
Pre Tax Income Margin	19.75%	23.90%	25.61%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	2.10	0.58	0.48
NOPAT to Interest Expense	1.80	0.47	0.39
EBIT Less CapEx to Interest Expense	1.88	0.51	0.47
NOPAT Less CapEx to Interest Expense	1.58	0.40	0.37
Payout Ratios	-	-	-
Dividend Payout Ratio	36.63%	35.51%	33.09%
Augmented Payout Ratio	39.39%	37.38%	38.56%

This table displays calculated financial ratios and metrics derived from Colony Bankcorp's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	6.36%	-1.38%	-0.40%	-3.74%	1.02%	-3.13%	-0.30%	-0.81%	-2.44%	9.23%
EBITDA Growth	7.31%	4.27%	-12.55%	20.27%	7.70%	5.46%	4.18%	4.26%	-6.97%	18.88%
EBIT Growth	6.93%	20.54%	-4.98%	78.16%	17.32%	11.49%	9.45%	6.54%	-5.63%	24.92%
NOPAT Growth	-5.93%	33.44%	-5.28%	55.26%	10.51%	0.85%	5.75%	3.24%	-3.02%	32.76%
Net Income Growth	-5.93%	33.44%	-5.28%	55.26%	10.51%	0.85%	5.75%	3.24%	-3.02%	32.76%
EPS Growth	-33.33%	14.81%	-14.71%	57.89%	10.00%	3.23%	3.45%	3.33%	-3.03%	34.38%
Operating Cash Flow Growth	265.57%	381.38%	-48.11%	59.52%	-66.07%	-59.56%	-55.83%	123.72%	139.82%	-156.18%
Free Cash Flow Firm Growth	-308.55%	-1,373.39%	-139.40%	41.37%	-31.98%	55.57%	96.03%	22.55%	67.67%	52.18%
Invested Capital Growth	25.72%	41.63%	43.20%	26.15%	26.71%	13.78%	2.30%	16.35%	7.59%	6.76%
Revenue Q/Q Growth	-0.62%	0.15%	-2.96%	-0.33%	4.29%	-3.95%	-0.13%	-0.84%	2.57%	7.54%
EBITDA Q/Q Growth	22.10%	-2.75%	-3.15%	4.59%	9.33%	-4.77%	-4.32%	4.67%	-2.45%	21.69%
EBIT Q/Q Growth	74.21%	0.06%	-3.13%	5.50%	14.72%	-4.91%	-4.91%	2.70%	1.62%	25.87%
NOPAT Q/Q Growth	53.79%	5.69%	-9.15%	5.14%	9.47%	-3.55%	-4.73%	2.64%	2.83%	32.03%
Net Income Q/Q Growth	53.79%	5.69%	-9.15%	5.14%	9.47%	-3.55%	-4.73%	2.64%	2.83%	32.03%
EPS Q/Q Growth	57.89%	3.33%	-6.45%	3.45%	10.00%	-3.03%	-6.25%	3.33%	3.23%	34.38%
Operating Cash Flow Q/Q Growth	315.91%	-43.32%	-20.25%	-141.47%	280.98%	-32.45%	-12.89%	-77.73%	1,729.91%	-115.82%
Free Cash Flow Firm Q/Q Growth	51.97%	-66.08%	-11.46%	34.05%	-8.11%	44.09%	90.03%	-1,185.79%	54.87%	17.31%
Invested Capital Q/Q Growth	5.92%	12.80%	7.73%	-1.99%	6.39%	1.29%	-3.14%	11.48%	-1.63%	0.50%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	30.69%	29.80%	29.74%	31.21%	32.72%	32.44%	31.08%	32.80%	31.20%	35.30%
EBIT Margin	21.89%	21.87%	21.83%	23.11%	25.42%	25.17%	23.97%	24.82%	24.59%	28.78%
Profit (Net Income) Margin	18.08%	19.08%	17.87%	18.85%	19.78%	19.87%	18.95%	19.62%	19.67%	24.14%
Tax Burden Percent	82.62%	87.27%	81.84%	81.56%	77.82%	78.93%	79.08%	79.04%	79.98%	83.89%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	17.38%	12.73%	18.16%	18.44%	22.18%	21.07%	20.92%	20.96%	20.02%	16.11%
Return on Invested Capital (ROIC)	6.08%	5.97%	5.21%	5.26%	5.21%	4.88%	4.56%	4.50%	4.39%	5.47%
ROIC Less NNEP Spread (ROIC-NNEP)	6.08%	5.97%	5.21%	5.26%	5.21%	4.88%	4.56%	4.50%	4.39%	5.47%
Return on Net Nonoperating Assets (RNNOA)	3.39%	3.89%	3.24%	3.85%	4.56%	4.44%	4.08%	4.34%	4.23%	4.98%
Return on Equity (ROE)	9.47%	9.86%	8.44%	9.10%	9.77%	9.33%	8.65%	8.84%	8.62%	10.45%
Cash Return on Invested Capital (CROIC)	-17.53%	-29.18%	-30.67%	-17.98%	-18.58%	-8.20%	2.39%	-10.63%	-2.95%	-1.86%
Operating Return on Assets (OROA)	0.96%	0.90%	0.89%	0.91%	0.99%	0.96%	0.91%	0.92%	0.90%	1.08%
Return on Assets (ROA)	0.79%	0.78%	0.73%	0.74%	0.77%	0.76%	0.72%	0.73%	0.72%	0.90%
Return on Common Equity (ROCE)	9.47%	9.86%	8.44%	9.10%	9.77%	9.33%	8.65%	8.84%	8.62%	10.45%
Return on Equity Simple (ROE_SIMPLE)	8.03%	0.00%	8.07%	8.83%	9.09%	0.00%	8.48%	8.39%	7.98%	0.00%
Net Operating Profit after Tax (NOPAT)	5.25	5.55	5.04	5.30	5.80	5.60	5.33	5.47	5.63	7.43
NOPAT Margin	18.08%	19.08%	17.87%	18.85%	19.78%	19.87%	18.95%	19.62%	19.67%	24.14%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	59.10%	61.38%	62.23%	62.28%	55.98%	56.94%	58.97%	60.73%	60.20%	58.90%
Operating Expenses to Revenue	73.57%	75.04%	74.98%	76.18%	71.17%	69.51%	72.48%	72.85%	72.79%	69.11%
Earnings before Interest and Taxes (EBIT)	6.36	6.36	6.16	6.50	7.46	7.09	6.74	6.93	7.04	8.86
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	8.91	8.67	8.40	8.78	9.60	9.14	8.75	9.15	8.93	11
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.94	0.91	0.71	0.66	0.70	0.88	0.76	0.81	0.98	1.01
Price to Tangible Book Value (P/TBV)	1.24	1.19	0.91	0.85	0.91	1.11	0.96	1.00	1.21	1.24
Price to Revenue (P/Rev)	1.83	1.81	1.46	1.38	1.46	1.97	1.74	1.88	2.40	2.43
Price to Earnings (P/E)	11.73	10.69	8.77	7.47	7.73	10.30	9.00	9.60	12.30	11.77
Dividend Yield	3.52%	3.63%	4.51%	4.85%	4.58%	3.45%	3.92%	3.66%	2.90%	2.81%
Earnings Yield	8.52%	9.36%	11.41%	13.40%	12.94%	9.71%	11.12%	10.41%	8.13%	8.50%
Enterprise Value to Invested Capital (EV/IC)	0.74	0.76	0.67	0.48	0.56	0.77	0.67	0.75	0.71	0.57
Enterprise Value to Revenue (EV/Rev)	2.47	2.87	2.73	1.93	2.39	3.33	2.83	3.52	3.32	2.58
Enterprise Value to EBITDA (EV/EBITDA)	8.39	9.62	9.47	6.37	7.75	10.56	8.87	10.90	10.40	7.90
Enterprise Value to EBIT (EV/EBIT)	13.15	14.51	13.99	8.72	10.38	13.93	11.57	14.15	13.46	10.08
Enterprise Value to NOPAT (EV/NOPAT)	15.77	16.97	16.37	10.47	12.66	17.43	14.59	17.98	16.98	12.48
Enterprise Value to Operating Cash Flow (EV/OCF)	9.42	6.67	8.05	4.80	9.32	18.07	21.98	19.51	11.54	12.73
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	28.44	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.70	0.88	0.96	0.91	1.04	0.94	0.84	1.01	0.90	0.89
Long-Term Debt to Equity	0.70	0.88	0.96	0.91	1.04	0.94	0.84	1.01	0.90	0.89
Financial Leverage	0.56	0.65	0.62	0.73	0.88	0.91	0.90	0.96	0.96	0.91
Leverage Ratio	12.00	12.56	11.62	12.30	12.69	12.35	12.06	12.12	11.97	11.55
Compound Leverage Factor	12.00	12.56	11.62	12.30	12.69	12.35	12.06	12.12	11.97	11.55
Debt to Total Capital	41.19%	46.90%	48.89%	47.70%	51.00%	48.33%	45.61%	50.30%	47.33%	47.09%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	41.19%	46.90%	48.89%	47.70%	51.00%	48.33%	45.61%	50.30%	47.33%	47.09%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	58.81%	53.10%	51.11%	52.30%	49.00%	51.67%	54.39%	49.70%	52.67%	52.91%
Debt to EBITDA	4.64	5.90	6.86	6.28	7.01	6.64	6.01	7.31	6.89	6.58
Net Debt to EBITDA	2.15	3.56	4.40	1.83	3.02	4.32	3.40	5.08	2.87	0.45
Long-Term Debt to EBITDA	4.64	5.90	6.86	6.28	7.01	6.64	6.01	7.31	6.89	6.58
Debt to NOPAT	8.72	10.41	11.86	10.33	11.45	10.96	9.89	12.07	11.26	10.39
Net Debt to NOPAT	4.04	6.28	7.60	3.01	4.93	7.13	5.60	8.37	4.68	0.71
Long-Term Debt to NOPAT	8.72	10.41	11.86	10.33	11.45	10.96	9.89	12.07	11.26	10.39
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-73	-122	-136	-90	-97	-54	-5.40	-69	-31	-26
Operating Cash Flow to CapEx	4,365.34%	1,430.56%	1,275.03%	-400.17%	1,417.25%	910.57%	4,979.21%	861.54%	7,792.78%	-624.86%
Free Cash Flow to Firm to Interest Expense	-25.95	-24.47	-17.42	-7.74	-7.48	-3.78	-0.37	-4.65	-1.95	-1.67
Operating Cash Flow to Interest Expense	8.90	2.87	1.46	-0.41	0.66	0.40	0.34	0.08	1.28	-0.21
Operating Cash Flow Less CapEx to Interest Expense	8.70	2.67	1.34	-0.51	0.61	0.36	0.34	0.07	1.26	-0.24
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	2.80	2.73	2.72	2.73	2.74	2.80	2.80	2.81	2.80	2.97
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	384	434	467	458	487	493	478	533	524	527
Invested Capital Turnover	0.34	0.31	0.29	0.28	0.26	0.25	0.24	0.23	0.22	0.23
Increase / (Decrease) in Invested Capital	79	127	141	95	103	60	11	75	37	33
Enterprise Value (EV)	286	332	315	221	275	379	322	399	374	298
Market Capitalization	213	209	169	158	168	224	198	213	271	281
Book Value per Share	$12.81	$13.05	$13.57	$13.61	$13.59	$14.51	$14.80	$15.08	$15.69	$15.90
Tangible Book Value per Share	$9.69	$9.96	$10.49	$10.55	$10.54	$11.49	$11.80	$12.09	$12.73	$12.94
Total Capital	384	434	467	458	487	493	478	533	524	527
Total Debt	158	203	228	218	248	238	218	268	248	248
Total Long-Term Debt	158	203	228	218	248	238	218	268	248	248
Net Debt	73	123	146	64	107	155	123	186	103	17
Capital Expenditures (CapEx)	0.58	1.00	0.89	1.18	0.60	0.63	0.10	0.13	0.26	0.52
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	158	203	228	218	248	238	218	268	248	248
Total Depreciation and Amortization (D&A)	2.56	2.31	2.23	2.28	2.14	2.05	2.00	2.23	1.89	2.01
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.30	$0.31	$0.29	$0.30	$0.33	$0.32	$0.30	$0.31	$0.32	$0.43
Adjusted Weighted Average Basic Shares Outstanding	17.65M	17.19M	17.60M	17.58M	17.57M	17.58M	17.56M	17.55M	17.59M	17.56M
Adjusted Diluted Earnings per Share	$0.30	$0.31	$0.29	$0.30	$0.33	$0.32	$0.30	$0.31	$0.32	$0.43
Adjusted Weighted Average Diluted Shares Outstanding	17.65M	17.19M	17.60M	17.58M	17.57M	17.58M	17.56M	17.55M	17.59M	17.56M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	17.64M	17.59M	17.59M	17.57M	17.57M	17.56M	17.56M	17.59M	17.53M	17.52M
Normalized Net Operating Profit after Tax (NOPAT)	5.25	5.55	5.04	5.30	5.80	5.60	5.33	5.47	5.63	7.43
Normalized NOPAT Margin	18.08%	19.08%	17.87%	18.85%	19.78%	19.87%	18.95%	19.62%	19.67%	24.14%
Pre Tax Income Margin	21.89%	21.87%	21.83%	23.11%	25.42%	25.17%	23.97%	24.82%	24.59%	28.78%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.25	1.28	0.79	0.56	0.58	0.49	0.46	0.46	0.44	0.57
NOPAT to Interest Expense	1.86	1.11	0.65	0.46	0.45	0.39	0.36	0.37	0.35	0.48
EBIT Less CapEx to Interest Expense	2.04	1.08	0.68	0.46	0.53	0.45	0.45	0.46	0.42	0.54
NOPAT Less CapEx to Interest Expense	1.65	0.91	0.53	0.36	0.40	0.35	0.36	0.36	0.33	0.45
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	35.13%	36.63%	39.53%	36.20%	35.43%	35.51%	35.23%	35.17%	35.65%	33.09%
Augmented Payout Ratio	35.13%	39.39%	39.53%	40.68%	39.79%	37.38%	35.23%	36.24%	39.13%	38.56%

Frequently Asked Questions About Colony Bankcorp's Financials

When does Colony Bankcorp's financial year end?

According to the most recent income statement we have on file, Colony Bankcorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Colony Bankcorp's net income changed over the last 2 years?

Colony Bankcorp's net income appears to be on an upward trend, with a most recent value of $23.87 million in 2024, rising from $19.54 million in 2022. The previous period was $21.75 million in 2023.

How has Colony Bankcorp revenue changed over the last 2 years?

Over the last 2 years, Colony Bankcorp's total revenue changed from $115.70 million in 2022 to $115.45 million in 2024, a change of -0.2%.

How much debt does Colony Bankcorp have?

Colony Bankcorp's total liabilities were at $2.83 billion at the end of 2024, a 1.2% increase from 2023, and a 4.6% increase since 2022.

How much cash does Colony Bankcorp have?

In the past 2 years, Colony Bankcorp's cash and equivalents has ranged from $20.58 million in 2022 to $26.05 million in 2024, and is currently $26.05 million as of their latest financial filing in 2024.

How has Colony Bankcorp's book value per share changed over the last 2 years?

Over the last 2 years, Colony Bankcorp's book value per share changed from 13.05 in 2022 to 15.90 in 2024, a change of 21.8%.

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This page (NASDAQ:CBAN) was last updated on 5/7/2025 by MarketBeat.com Staff

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Colony Bankcorp (CBAN) Financials

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Colony Bankcorp (CBAN) Financials

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