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Colony Bankcorp (CBAN) Financials

Colony Bankcorp logo
$15.63 +0.38 (+2.50%)
Closing price 05/27/2025 03:59 PM Eastern
Extended Trading
$15.64 +0.00 (+0.03%)
As of 05/27/2025 04:04 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for Colony Bankcorp

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

Quarterly Income Statements for Colony Bankcorp

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

Annual Cash Flow Statements for Colony Bankcorp

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

Quarterly Cash Flow Statements for Colony Bankcorp

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

Annual Balance Sheets for Colony Bankcorp

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

Quarterly Balance Sheets for Colony Bankcorp

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

Annual Metrics And Ratios for Colony Bankcorp

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

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

Quarterly Metrics And Ratios for Colony Bankcorp

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

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

Frequently Asked Questions About Colony Bankcorp's Financials

When does Colony Bankcorp's fiscal year end?

According to the most recent income statement we have on file, Colony Bankcorp's financial year ends in December. Their financial 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 5/28/2025 by MarketBeat.com Staff
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