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Colony Bankcorp (CBAN) Financials

Colony Bankcorp logo
$20.08 +0.06 (+0.29%)
Closing price 07/10/2026 03:59 PM Eastern
Extended Trading
$20.10 +0.02 (+0.10%)
As of 07/10/2026 04:27 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 Massive. 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 6.00 7.18 7.54 12 10 12 19 20 22 24 28
Consolidated Net Income / (Loss)		 8.37 8.67 7.75 12 10 12 19 20 22 24 28
Net Income / (Loss) Continuing Operations		 8.37 11 11 12 10 12 19 20 22 24 28
Total Pre-Tax Income 		12 13 15 15 13 15 23 23 27 30 35
Total Revenue		 47 50 52 50 62 79 102 116 114 115 132
Net Interest Income / (Expense)		 38 38 39 41 48 55 66 81 78 76 92
Total Interest Income		 44 45 46 49 60 63 71 92 125 137 150
Loans and Leases Interest Income		 40 39 39 41 50 56 60 71 99 112 124
Investment Securities Interest Income		 4.34 5.39 6.92 7.74 8.92 7.14 10 20 23 21 19
Deposits and Money Market Investments Interest Income		 0.08 0.12 0.23 0.41 1.29 0.44 0.21 0.89 2.34 4.59 6.18
Total Interest Expense		 6.57 6.48 6.87 8.23 13 7.88 4.40 11 47 61 58
Deposits Interest Expense		 4.86 4.78 4.76 6.06 10 5.60 2.60 5.88 35 50 47
Long-Term Debt Interest Expense		 1.71 1.70 2.11 2.16 0.00 0.21 0.78 2.56 6.76 7.21 7.62
Other Interest Expense		 - - - - 1.54 1.33 1.01 2.37 4.30 3.95 3.72
Total Non-Interest Income		 9.04 9.55 9.73 9.62 14 24 36 35 36 39 40
Other Service Charges		 9.06 1.38 1.36 9.51 0.81 0.46 28 28 29 30 34
Net Realized & Unrealized Capital Gains on Investments		 -0.01 0.39 0.00 0.12 0.10 3.61 7.46 6.13 5.06 7.41 4.33
Other Non-Interest Income		 - 10 11 - 13 20 1.04 1.31 1.40 1.73 1.79
Provision for Credit Losses		 0.87 1.06 0.39 0.20 1.10 6.56 0.70 3.37 3.60 3.05 4.50
Total Non-Interest Expense		 34 34 34 35 48 58 79 89 83 83 93
Salaries and Employee Benefits		 18 18 19 20 26 34 46 53 49 50 52
Net Occupancy & Equipment Expense		 4.98 5.08 5.14 4.18 9.20 11 14 16 15 15 17
Marketing Expense		 0.62 0.61 0.35 - 1.99 2.11 2.71 3.66 3.49 4.01 4.28
Other Operating Expenses		 9.63 9.29 8.76 11 7.99 9.55 12 17 16 14 16
Restructuring Charge		 - - - 0.22 2.73 0.86 4.62 - - 0.00 2.06
Income Tax Expense		 3.79 3.85 6.78 3.00 2.40 2.82 4.50 3.31 5.47 5.70 6.88
Basic Earnings per Share		 $0.71 $0.85 $0.89 $1.41 $1.12 $1.24 $1.66 $1.14 $1.24 $1.36 $1.59
Weighted Average Basic Shares Outstanding		 8.44M 8.44M 8.44M 8.44M 9.13M 9.50M 11.25M 17.19M 17.58M 17.56M 17.79M
Diluted Earnings per Share		 $0.71 $0.84 $0.87 $1.40 $1.12 $1.24 $1.66 $1.14 $1.24 $1.36 $1.59
Weighted Average Diluted Shares Outstanding		 8.46M 8.51M 8.63M 8.54M 9.13M 9.50M 11.25M 17.19M 17.58M 17.56M 17.79M
Weighted Average Basic & Diluted Shares Outstanding		 8.40M 8.40M 8.44M 8.44M 9.50M 9.49M 17.59M 17.59M 17.56M 17.52M 21.17M
Cash Dividends to Common per Share		 $0.00 $0.00 $0.10 $0.20 $0.30 $0.40 $0.41 $0.43 $0.44 $0.45 $0.46

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 5.80 5.60 5.33 5.47 5.63 7.43 6.61 7.98 5.82 7.84 8.20
Consolidated Net Income / (Loss)		 5.80 5.60 5.33 5.47 5.63 7.43 6.61 7.98 5.82 7.84 8.20
Net Income / (Loss) Continuing Operations		 5.80 5.60 5.33 5.47 5.63 7.43 6.61 7.98 5.82 7.84 8.20
Total Pre-Tax Income 		7.46 7.09 6.74 6.93 7.04 8.86 8.28 10 7.28 9.55 10
Total Revenue		 29 28 28 28 29 31 30 32 33 37 40
Net Interest Income / (Expense)		 20 19 19 18 19 20 21 22 23 26 29
Total Interest Income		 33 33 33 33 35 36 36 37 37 41 45
Loans and Leases Interest Income		 26 27 27 28 29 28 28 30 32 34 38
Investment Securities Interest Income		 5.77 5.70 5.52 5.05 5.25 5.16 5.23 5.15 4.52 4.54 4.92
Deposits and Money Market Investments Interest Income		 0.79 0.49 0.69 0.68 0.86 2.36 2.32 1.33 0.84 1.70 1.99
Total Interest Expense		 13 14 15 15 16 16 15 14 14 15 16
Deposits Interest Expense		 10 12 12 12 13 13 12 12 11 12 13
Long-Term Debt Interest Expense		 1.57 1.62 1.57 1.82 1.91 1.91 1.87 1.89 1.91 1.95 1.99
Other Interest Expense		 1.04 1.14 0.99 1.00 1.00 0.96 0.93 0.93 0.95 0.92 0.89
Total Non-Interest Income		 9.72 9.31 9.49 9.50 10 10 9.04 10 10 11 11
Other Service Charges		 1.98 20 7.46 1.37 7.93 7.68 7.61 8.13 9.32 9.09 9.25
Net Realized & Unrealized Capital Gains on Investments		 1.27 1.63 1.49 1.92 1.77 2.22 1.04 1.55 0.37 1.38 0.96
Other Non-Interest Income		 6.47 -12 0.53 6.21 0.38 0.41 0.40 0.42 0.40 0.58 0.48
Provision for Credit Losses		 1.00 1.50 1.00 0.65 0.75 0.65 1.50 0.45 0.90 1.65 1.75
Total Non-Interest Expense		 21 20 20 20 21 21 20 22 25 26 28
Salaries and Employee Benefits		 12 11 12 12 13 13 12 13 14 14 16
Net Occupancy & Equipment Expense		 3.68 3.69 3.62 3.70 3.67 4.14 4.06 4.28 4.41 4.66 4.73
Marketing Expense		 0.77 1.05 0.96 0.97 0.97 1.12 0.81 0.94 1.13 1.40 1.11
Other Operating Expenses		 4.46 3.54 3.80 3.39 3.60 3.14 3.45 3.92 4.81 4.20 4.28
Restructuring Charge		 - - - - 0.00 - - - 0.73 - 1.64
Income Tax Expense		 1.65 1.49 1.41 1.45 1.41 1.43 1.66 2.05 1.46 1.71 2.27
Basic Earnings per Share		 $0.33 $0.32 $0.30 $0.31 $0.32 $0.43 $0.38 $0.46 $0.33 $0.42 $0.39
Weighted Average Basic Shares Outstanding		 17.57M 17.58M 17.56M 17.55M 17.59M 17.56M 17.51M 17.45M 17.46M 17.79M 21.22M
Diluted Earnings per Share		 $0.33 $0.32 $0.30 $0.31 $0.32 $0.43 $0.38 $0.46 $0.33 $0.42 $0.39
Weighted Average Diluted Shares Outstanding		 17.57M 17.58M 17.56M 17.55M 17.59M 17.56M 17.51M 17.45M 17.46M 17.79M 21.22M
Weighted Average Basic & Diluted Shares Outstanding		 17.57M 17.56M 17.56M 17.59M 17.53M 17.52M 17.44M 17.46M 17.43M 21.17M 21.16M
Cash Dividends to Common per Share		 $0.11 $0.11 $0.11 $0.11 $0.11 $0.11 $0.12 $0.12 $0.12 $0.12 $0.12

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -22 6.57 -5.68 2.34 44 79 14 -117 2.64 148 27
Net Cash From Operating Activities		 14 13 13 15 3.88 -19 36 50 21 23 -5.55
Net Cash From Continuing Operating Activities		 14 13 13 15 3.88 -19 36 50 21 23 -5.55
Net Income / (Loss) Continuing Operations		 8.37 8.67 7.75 12 10 12 19 20 22 24 28
Consolidated Net Income / (Loss)		 8.37 8.67 7.75 12 10 12 19 20 22 24 28
Provision For Loan Losses		 1.32 1.56 0.72 0.20 1.10 6.56 0.70 3.37 3.60 3.05 4.50
Depreciation Expense		 1.66 1.57 1.65 1.79 2.90 5.86 8.63 12 8.70 8.13 7.72
Non-Cash Adjustments to Reconcile Net Income		 0.95 -0.51 0.95 -0.48 -11 -44 11 22 -11 -11 -37
Changes in Operating Assets and Liabilities, net		 -0.03 0.44 0.03 0.26 0.95 1.11 -3.16 -6.59 -1.68 -0.29 -8.56
Net Cash From Investing Activities		 -56 -35 -33 -9.32 6.80 -130 -208 -448 -99 101 3.41
Net Cash From Continuing Investing Activities		 -56 -35 -33 -9.32 6.80 -130 -208 -448 -99 101 3.41
Purchase of Property, Leasehold Improvements and Equipment		 -3.19 -3.26 -1.34 -2.76 -3.49 -4.24 -5.84 -2.90 -3.62 -1.08 -1.35
Purchase of Investment Securities		 -141 -120 -102 -74 -132 -285 -434 -578 -156 -20 -155
Sale of Property, Leasehold Improvements and Equipment		 0.03 0.09 0.04 0.02 0.69 1.04 0.02 0.52 0.43 0.08 0.00
Divestitures		 - - - - - 0.00 38 - - 0.00 0.92
Sale and/or Maturity of Investments		 88 88 70 67 142 158 194 132 61 122 159
Net Cash From Financing Activities		 20 29 15 -3.26 33 229 186 282 80 23 29
Net Cash From Continuing Financing Activities		 20 29 15 -3.26 33 229 186 282 80 23 29
Net Change in Deposits		 32 33 24 5.11 19 151 298 116 54 23 39
Issuance of Debt		 27 10 10 - 25 149 -1.00 632 1,235 290 275
Repayment of Debt		 -27 -4.00 -8.52 0.00 -8.00 -67 -107 -518 -1,200 -281 -275
Repurchase of Common Equity		 - 0.00 0.00 -3.18 - - 0.00 -0.54 -0.41 -1.31 -2.37
Payment of Dividends		 -2.49 -1.59 -1.16 -1.69 -2.69 -3.80 -4.46 -7.16 -7.72 -7.90 -8.04
Other Financing Activities, Net		 - - - -3.50 - - 0.00 -0.23 -0.25 -0.30 -0.31
Cash Interest Paid		 - - - 8.20 12 7.82 4.39 10 45 62 57
Cash Income Taxes Paid		 - - - 2.70 2.00 2.45 3.86 3.84 5.21 4.72 4.44

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -14 -58 11 -13 63 86 -9.83 -109 88 58 38
Net Cash From Operating Activities		 8.55 5.77 5.03 1.12 20 -3.24 18 16 14 -54 54
Net Cash From Continuing Operating Activities		 8.55 5.77 5.03 1.12 20 -3.24 18 16 14 -54 54
Net Income / (Loss) Continuing Operations		 5.80 5.60 5.33 5.47 5.63 7.43 6.61 7.98 5.82 7.84 8.20
Consolidated Net Income / (Loss)		 5.80 5.60 5.33 5.47 5.63 7.43 6.61 7.98 5.82 7.84 8.20
Provision For Loan Losses		 1.00 1.50 1.00 0.65 0.75 0.65 1.50 0.45 0.90 1.65 1.75
Depreciation Expense		 2.14 2.05 2.00 2.23 1.89 2.01 1.78 1.78 1.86 2.30 3.19
Non-Cash Adjustments to Reconcile Net Income		 1.82 -1.71 -2.76 -9.03 13 -12 15 3.12 3.87 -59 41
Changes in Operating Assets and Liabilities, net		 -2.22 -1.66 -0.55 1.80 -0.41 -1.13 -6.68 2.52 1.96 -6.35 0.31
Net Cash From Investing Activities		 -14 -5.32 51 0.95 0.34 49 -80 -56 48 91 7.36
Net Cash From Continuing Investing Activities		 -14 -5.32 51 0.95 0.34 49 -80 -56 48 91 7.36
Purchase of Property, Leasehold Improvements and Equipment		 -0.91 -0.63 -0.10 -0.13 -0.29 -0.56 -0.35 -0.09 -0.35 -0.57 -0.42
Purchase of Investment Securities		 -27 -23 21 -29 -29 16 -102 -83 -48 78 -20
Sale of Property, Leasehold Improvements and Equipment		 0.31 - - - 0.02 0.04 0.00 - - - 0.03
Sale and/or Maturity of Investments		 13 18 30 30 30 33 22 28 96 13 28
Net Cash From Financing Activities		 -7.98 -58 -45 -15 42 40 52 -69 26 20 -23
Net Cash From Continuing Financing Activities		 -7.98 -58 -45 -15 42 40 52 -69 26 20 -23
Net Change in Deposits		 -36 -47 -22 -63 65 43 55 -66 28 23 -19
Issuance of Debt		 335 295 50 140 50 50 50 50 125 50 50
Repayment of Debt		 -305 -305 -71 -90 -70 -50 -50 -50 -125 -50 -50
Repurchase of Common Equity		 - - 0.00 - -0.53 -0.54 -0.63 -0.96 - -0.78 -1.77
Payment of Dividends		 -1.93 -1.93 -1.98 -1.98 -1.98 -1.97 -2.02 -2.01 -2.01 -2.01 -2.55
Other Financing Activities, Net		 -0.17 - -0.07 - -0.23 - -0.08 - -0.22 -0.01 -0.02
Cash Interest Paid		 12 15 15 15 16 16 14 15 14 14 15
Cash Income Taxes Paid		 2.07 1.21 0.00 2.91 1.68 0.12 0.01 2.01 1.77 0.65 0.02

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,174 1,210 1,233 1,252 1,515 1,764 2,692 2,937 3,053 3,110 3,735
Cash and Due from Banks		 22 29 23 60 16 17 197 21 25 26 27
Interest Bearing Deposits at Other Banks		 39 46 35 - 89 166 - 60 58 205 230
Trading Account Securities		 296 324 354 353 357 433 976 916 884 836 849
Loans and Leases, Net of Allowance		 750 745 757 774 -6.86 1,047 1,325 1,721 1,865 1,824 2,358
Loans and Leases		 758 754 765 782 - 1,060 1,338 1,737 1,883 1,843 2,381
Allowance for Loan and Lease Losses		 8.60 8.92 7.51 7.28 6.86 12 13 16 18 19 23
Premises and Equipment, Net		 26 28 28 29 32 32 43 42 40 38 37
Goodwill		 - - 0.00 0.20 16 16 53 49 49 49 64
Intangible Assets		 0.12 0.08 0.04 0.56 3.06 2.27 7.39 5.66 4.19 2.98 7.85
Other Assets		 41 39 36 35 1,009 50 90 123 128 129 161
Total Liabilities & Shareholders' Equity		 1,174 1,210 1,233 1,252 1,515 1,764 2,692 2,937 3,053 3,110 3,735
Total Liabilities		 1,079 1,117 1,142 1,156 1,385 1,619 2,474 2,706 2,798 2,831 3,359
Non-Interest Bearing Deposits		 134 159 191 193 233 327 553 569 499 462 527
Interest Bearing Deposits		 878 885 877 892 1,061 1,118 1,822 1,922 2,046 2,106 2,541
Long-Term Debt		 64 24 24 24 86 167 88 203 238 248 258
Other Long-Term Liabilities		 2.91 2.47 2.72 2.83 5.27 7.38 11 12 15 15 34
Total Equity & Noncontrolling Interests		 95 93 90 96 131 144 218 230 255 279 376
Total Preferred & Common Equity		 95 93 90 96 131 144 218 230 255 279 376
Preferred Stock		 18 9.36 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 77 84 90 96 131 144 218 230 255 279 376
Common Stock		 38 38 38 34 53 53 125 185 186 186 250
Retained Earnings		 44 51 59 69 77 85 99 112 124 140 161
Accumulated Other Comprehensive Income / (Loss)		 -4.43 -5.02 -6.49 -8.19 0.36 6.78 -6.18 -66 -56 -48 -34

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 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,806 2,997 3,101 3,094 3,016 3,008 3,065 3,172 3,116 3,153 3,721
Cash and Due from Banks		 19 25 27 23 23 22 23 26 28 25 24
Interest Bearing Deposits at Other Banks		 67 57 128 118 72 60 122 195 85 175 271
Trading Account Securities		 932 912 903 878 861 860 838 827 805 714 764
Loans and Leases, Net of Allowance		 1,571 1,783 1,822 1,848 1,840 1,847 1,866 1,901 1,974 2,019 2,392
Loans and Leases		 1,587 1,800 1,839 1,865 1,859 1,866 1,886 1,921 1,994 2,037 2,413
Allowance for Loan and Lease Losses		 15 17 17 17 19 19 20 20 19 18 22
Premises and Equipment, Net		 41 42 42 43 39 38 38 36 36 36 37
Goodwill		 49 49 49 49 49 49 49 49 51 51 63
Intangible Assets		 6.07 5.26 4.88 4.53 3.86 3.54 3.25 2.70 3.80 3.54 7.40
Other Assets		 121 1,907 125 131 127 129 125 134 133 130 162
Total Liabilities & Shareholders' Equity		 2,806 2,997 3,101 3,094 3,016 3,008 3,065 3,172 3,116 3,153 3,721
Total Liabilities		 2,580 2,758 2,862 2,855 2,756 2,743 2,789 2,885 2,822 2,850 3,340
Non-Interest Bearing Deposits		 558 538 541 494 476 438 440 450 435 442 495
Interest Bearing Deposits		 1,851 1,978 2,086 2,097 2,046 2,023 2,085 2,173 2,121 2,142 2,553
Long-Term Debt		 158 228 218 248 218 268 248 248 248 248 258
Other Long-Term Liabilities		 12 14 16 15 15 15 16 14 17 18 34
Total Equity & Noncontrolling Interests		 226 239 239 239 260 265 276 287 294 302 380
Total Preferred & Common Equity		 226 239 239 239 260 265 276 287 294 302 380
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 226 239 239 239 260 265 276 287 294 302 380
Common Stock		 185 186 186 186 187 187 186 185 185 185 248
Retained Earnings		 108 113 117 121 128 131 135 145 151 155 166
Accumulated Other Comprehensive Income / (Loss)		 -67 -60 -63 -68 -54 -53 -45 -43 -42 -37 -34

Annual Metrics And Ratios for Colony Bankcorp

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 8,439,258.00 8,439,258.00 8,439,258.00 8,444,908.00 9,498,783.00 9,498,783.00 13,674,198.00 - - - 17,434,632.00
DEI Adjusted Shares Outstanding		 8,439,258.00 8,439,258.00 8,439,258.00 8,444,908.00 9,498,783.00 9,498,783.00 13,674,198.00 - - - 17,434,632.00
DEI Earnings Per Adjusted Shares Outstanding		 0.99 1.03 0.92 1.41 1.08 1.24 1.36 - - - 1.62
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -0.72% 7.73% 2.68% -2.51% 22.67% 28.52% 28.92% 12.90% -1.57% 1.38% 14.49%
EBITDA Growth		 13.91% 18.16% 11.45% -12.95% -13.39% 32.15% 55.12% 8.49% 4.16% 4.96% 13.69%
EBIT Growth		 12.60% 25.25% 14.67% -14.60% -15.47% 16.03% 58.26% -1.30% 19.08% 8.65% 18.83%
NOPAT Growth		 11.17% 3.59% -10.63% 53.75% -14.32% 15.71% 57.93% 4.73% 11.28% 9.75% 18.37%
Net Income Growth		 11.17% 3.59% -10.63% 53.75% -14.32% 15.71% 57.93% 4.73% 11.28% 9.75% 18.37%
EPS Growth		 24.56% 18.31% 3.57% 60.92% -20.00% 10.71% 33.87% -31.33% 8.77% 9.68% 16.91%
Operating Cash Flow Growth		 -4.74% -4.83% -6.30% 18.91% -74.01% -592.49% 289.09% 37.77% -57.82% 11.52% -123.70%
Free Cash Flow Firm Growth		 874.95% -60.29% 96.45% 7.85% -519.66% -97.92% 128.85% -548.32% 64.78% 75.10% -735.17%
Invested Capital Growth		 -2.19% 2.46% -0.96% 1.15% 31.95% 44.05% -1.74% 41.63% 13.78% 6.76% 20.37%
Revenue Q/Q Growth		 0.20% 5.59% 15.53% -4.87% -3.73% 7.91% 7.36% -0.35% -0.79% 2.31% 4.86%
EBITDA Q/Q Growth		 3.84% 18.03% 53.38% -15.33% -28.80% 21.78% 1.77% 1.04% 1.33% 4.80% 2.36%
EBIT Q/Q Growth		 4.04% 21.98% 71.40% -17.78% -34.22% 21.40% -2.65% 4.98% 2.76% 6.36% 2.02%
NOPAT Q/Q Growth		 1.54% 0.96% -17.18% 25.03% -2.00% 22.14% -3.81% 7.66% 0.22% 8.32% 1.48%
Net Income Q/Q Growth		 1.54% 0.96% -17.18% 25.03% -2.00% 22.14% -3.81% 7.66% 0.22% 8.32% 1.48%
EPS Q/Q Growth		 5.97% 2.44% -13.86% 25.00% -5.88% 22.77% -12.63% 3.64% 0.81% 8.80% -0.63%
Operating Cash Flow Q/Q Growth		 7.27% 4.10% -14.60% 10.64% -23.83% 30.10% -29.58% 63.68% -28.84% -27.81% -112.33%
Free Cash Flow Firm Q/Q Growth		 246.82% 61.86% 9.70% 4.18% -9.36% 20.53% -50.88% -78.36% 53.06% 36.56% -5,481.69%
Invested Capital Q/Q Growth		 -3.40% -4.30% -5.69% -4.54% -1.99% -7.10% 0.12% 12.80% 1.29% 0.50% 15.18%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 33.40% 36.63% 39.76% 35.51% 25.07% 25.78% 31.01% 29.80% 31.54% 32.65% 32.42%
EBIT Margin		 26.01% 30.24% 33.77% 29.59% 20.39% 18.41% 22.59% 19.75% 23.90% 25.61% 26.58%
Profit (Net Income) Margin		 17.91% 17.22% 14.99% 23.64% 16.51% 14.86% 18.21% 16.89% 19.10% 20.67% 21.37%
Tax Burden Percent		 68.85% 69.25% 53.35% 79.89% 80.98% 80.76% 80.59% 85.52% 79.91% 80.73% 80.41%
Interest Burden Percent		 100.00% 82.23% 83.18% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 31.15% 30.75% 46.65% 20.11% 19.02% 19.24% 19.41% 14.48% 20.09% 19.27% 19.59%
Return on Invested Capital (ROIC)		 5.19% 5.37% 4.76% 7.31% 5.37% 4.48% 6.04% 5.28% 4.69% 4.68% 4.87%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.19% 5.37% 4.76% 7.31% 5.37% 4.48% 6.04% 5.28% 4.69% 4.68% 4.87%
Return on Net Nonoperating Assets (RNNOA)		 3.42% 3.82% 3.68% 5.50% 3.66% 4.12% 4.26% 3.44% 4.27% 4.27% 3.76%
Return on Equity (ROE)		 8.61% 9.19% 8.44% 12.81% 9.03% 8.59% 10.30% 8.72% 8.96% 8.95% 8.63%
Cash Return on Invested Capital (CROIC)		 7.40% 2.93% 5.72% 6.16% -22.18% -31.62% 7.79% -29.18% -8.20% -1.86% -13.62%
Operating Return on Assets (OROA)		 1.05% 1.28% 1.43% 1.20% 0.91% 0.89% 1.04% 0.81% 0.91% 0.96% 1.03%
Return on Assets (ROA)		 0.72% 0.73% 0.63% 0.96% 0.74% 0.72% 0.84% 0.69% 0.73% 0.77% 0.83%
Return on Common Equity (ROCE)		 6.57% 7.85% 8.01% 12.81% 9.03% 8.59% 10.30% 8.72% 8.96% 8.95% 8.63%
Return on Equity Simple (ROE_SIMPLE)		 8.77% 9.29% 8.58% 12.45% 7.82% 8.18% 8.57% 8.49% 8.53% 8.56% 7.52%
Net Operating Profit after Tax (NOPAT)		 8.37 8.67 7.75 12 10 12 19 20 22 24 28
NOPAT Margin		 17.91% 17.22% 14.99% 23.64% 16.51% 14.86% 18.21% 16.89% 19.10% 20.67% 21.37%
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% 0.00%
SG&A Expenses to Revenue		 49.62% 48.00% 47.78% 48.20% 60.49% 59.52% 60.62% 63.06% 59.32% 59.68% 56.06%
Operating Expenses to Revenue		 72.14% 67.65% 65.47% 70.01% 77.83% 73.34% 76.72% 77.34% 72.94% 71.75% 70.01%
Earnings before Interest and Taxes (EBIT)		 12 15 17 15 13 15 23 23 27 30 35
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 16 18 21 18 16 20 32 34 36 38 43
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 1.09 1.13 1.08 1.03 0.85 0.97 0.91 0.88 1.01 0.82
Price to Tangible Book Value (P/TBV)		 0.00 1.09 1.13 1.09 1.21 0.98 1.35 1.19 1.11 1.24 1.01
Price to Revenue (P/Rev)		 0.00 1.82 1.98 2.06 2.17 1.55 2.07 1.81 1.97 2.43 2.32
Price to Earnings (P/E)		 0.00 12.80 13.57 8.70 13.15 10.42 11.35 10.69 10.30 11.77 10.87
Dividend Yield		 0.00% 0.00% 0.82% 1.83% 2.12% 3.09% 2.65% 3.63% 3.45% 2.81% 2.61%
Earnings Yield		 0.00% 7.82% 7.37% 11.49% 7.61% 9.60% 8.81% 9.36% 9.71% 8.50% 9.20%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.59 0.72 0.68 0.54 0.34 0.34 0.76 0.77 0.57 0.48
Enterprise Value to Revenue (EV/Rev)		 0.00 1.91 2.25 2.22 1.87 1.34 1.00 2.87 3.33 2.58 2.33
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 5.22 5.65 6.24 7.48 5.21 3.24 9.62 10.56 7.90 7.17
Enterprise Value to EBIT (EV/EBIT)		 0.00 6.32 6.66 7.49 9.20 7.29 4.45 14.51 13.93 10.08 8.75
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 11.10 15.00 9.38 11.36 9.03 5.52 16.97 17.43 12.48 10.88
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 7.19 9.27 7.49 29.91 0.00 2.85 6.67 18.07 12.73 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 20.31 12.48 11.12 0.00 0.00 4.28 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.67 0.75 0.79 0.71 0.66 1.16 0.41 0.88 0.94 0.89 0.69
Long-Term Debt to Equity		 0.67 0.26 0.27 0.25 0.66 1.16 0.41 0.88 0.94 0.89 0.69
Financial Leverage		 0.66 0.71 0.77 0.75 0.68 0.92 0.71 0.65 0.91 0.91 0.77
Leverage Ratio		 11.93 12.63 13.30 13.36 12.23 11.92 12.30 12.56 12.35 11.55 10.46
Compound Leverage Factor		 11.93 10.38 11.06 13.36 12.23 11.92 12.30 12.56 12.35 11.55 10.46
Debt to Total Capital		 40.22% 42.92% 44.26% 41.62% 39.66% 53.63% 28.89% 46.90% 48.33% 47.09% 40.71%
Short-Term Debt to Total Capital		 0.00% 28.11% 29.31% 26.84% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 40.22% 14.81% 14.95% 14.78% 39.66% 53.63% 28.89% 46.90% 48.33% 47.09% 40.71%
Preferred Equity to Total Capital		 11.29% 5.72% 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% 0.00%
Common Equity to Total Capital		 48.49% 51.36% 55.74% 58.38% 60.34% 46.37% 71.11% 53.10% 51.67% 52.91% 59.29%
Debt to EBITDA		 4.11 3.81 3.49 3.81 5.53 8.15 2.78 5.90 6.64 6.58 6.02
Net Debt to EBITDA		 0.22 -0.27 0.68 0.45 -1.18 -0.80 -3.42 3.56 4.32 0.45 0.01
Long-Term Debt to EBITDA		 4.11 1.31 1.18 1.35 5.53 8.15 2.78 5.90 6.64 6.58 6.02
Debt to NOPAT		 7.67 8.10 9.25 5.73 8.40 14.14 4.74 10.41 10.96 10.39 9.14
Net Debt to NOPAT		 0.40 -0.57 1.80 0.68 -1.79 -1.39 -5.83 6.28 7.13 0.71 0.02
Long-Term Debt to NOPAT		 7.67 2.79 3.13 2.03 8.40 14.14 4.74 10.41 10.96 10.39 9.14
Noncontrolling Interest Sharing Ratio		 23.66% 14.50% 5.10% 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)		 12 4.74 9.32 10 -42 -83 24 -108 -38 -9.47 -79
Operating Cash Flow to CapEx		 444.98% 422.31% 959.66% 544.42% 138.71% -595.57% 620.24% 2,093.48% 658.81% 2,333.10% -409.53%
Free Cash Flow to Firm to Interest Expense		 1.82 0.73 1.36 1.22 -3.34 -10.59 5.47 -9.93 -0.81 -0.15 -1.36
Operating Cash Flow to Interest Expense		 2.14 2.07 1.83 1.81 0.31 -2.42 8.21 4.58 0.45 0.38 -0.10
Operating Cash Flow Less CapEx to Interest Expense		 1.66 1.58 1.64 1.48 0.09 -2.83 6.89 4.36 0.38 0.37 -0.12
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 1.82 1.85 1.86 1.79 2.02 2.46 2.73 2.73 2.80 2.97 3.53
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 160 164 162 164 216 312 306 434 493 527 634
Invested Capital Turnover		 0.29 0.31 0.32 0.31 0.33 0.30 0.33 0.31 0.25 0.23 0.23
Increase / (Decrease) in Invested Capital		 -3.57 3.93 -1.57 1.87 52 95 -5.41 127 60 33 107
Enterprise Value (EV)		 0.00 96 116 112 116 107 103 332 379 298 307
Market Capitalization		 0.00 92 102 104 134 123 212 209 224 281 307
Book Value per Share		 $9.18 $9.96 $10.70 $11.33 $13.74 $15.21 $15.92 $13.05 $14.51 $15.90 $21.56
Tangible Book Value per Share		 $9.16 $9.95 $10.70 $11.24 $11.68 $13.29 $11.51 $9.96 $11.49 $12.94 $17.45
Total Capital		 160 164 162 164 216 312 306 434 493 527 634
Total Debt		 64 70 72 68 86 167 88 203 238 248 258
Total Long-Term Debt		 64 24 24 24 86 167 88 203 238 248 258
Net Debt		 3.36 -4.94 14 8.07 -18 -16 -109 123 155 17 0.46
Capital Expenditures (CapEx)		 3.16 3.17 1.31 2.74 2.80 3.21 5.82 2.38 3.19 1.00 1.35
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 64 70 72 68 86 167 88 203 238 248 258
Total Depreciation and Amortization (D&A)		 3.45 3.22 3.10 2.98 2.90 5.86 8.63 12 8.70 8.13 7.72
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.71 $0.85 $0.89 $1.41 $1.12 $1.24 $1.66 $1.14 $1.24 $1.36 $1.59
Adjusted Weighted Average Basic Shares Outstanding		 8.44M 8.44M 8.44M 8.44M 9.13M 9.50M 11.25M 17.19M 17.58M 17.56M 17.79M
Adjusted Diluted Earnings per Share		 $0.71 $0.84 $0.87 $1.40 $1.12 $1.24 $1.66 $1.14 $1.24 $1.36 $1.59
Adjusted Weighted Average Diluted Shares Outstanding		 8.46M 8.51M 8.63M 8.54M 9.13M 9.50M 11.25M 17.19M 17.58M 17.56M 17.79M
Adjusted Basic & Diluted Earnings per Share		 $0.71 $0.00 $0.00 $0.00 $1.12 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.44M 8.44M 8.44M 8.44M 9.50M 9.49M 17.59M 17.59M 17.56M 17.52M 21.17M
Normalized Net Operating Profit after Tax (NOPAT)		 8.37 8.67 7.75 12 12 13 22 20 22 24 30
Normalized NOPAT Margin		 17.91% 17.22% 14.99% 23.99% 20.09% 16.33% 21.91% 16.89% 19.10% 20.67% 22.63%
Pre Tax Income Margin		 26.01% 24.87% 28.09% 29.59% 20.39% 18.41% 22.59% 19.75% 23.90% 25.61% 26.58%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.85 2.35 2.54 1.81 1.00 1.86 5.27 2.10 0.58 0.48 0.61
NOPAT to Interest Expense		 1.27 1.34 1.13 1.45 0.81 1.50 4.24 1.80 0.47 0.39 0.49
EBIT Less CapEx to Interest Expense		 1.37 1.86 2.35 1.48 0.78 1.45 3.94 1.88 0.51 0.47 0.58
NOPAT Less CapEx to Interest Expense		 0.79 0.85 0.94 1.12 0.59 1.09 2.92 1.58 0.40 0.37 0.46
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 29.71% 18.34% 14.96% 14.16% 26.36% 32.16% 23.92% 36.63% 35.51% 33.09% 28.45%
Augmented Payout Ratio		 29.71% 18.34% 14.96% 40.81% 26.36% 32.16% 23.92% 39.39% 37.38% 38.56% 36.83%

Quarterly Metrics And Ratios for Colony Bankcorp

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 17,520,136.00 17,443,441.00 17,461,419.00 17,434,632.00 21,166,315.00
DEI Adjusted Shares Outstanding		 - - - - - - 17,520,136.00 17,443,441.00 17,461,419.00 17,434,632.00 21,166,315.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.38 0.46 0.33 0.45 0.39
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.02% -3.13% -0.30% -0.81% -2.44% 9.23% 6.59% 16.40% 14.56% 19.92% 33.00%
EBITDA Growth		 7.70% 5.46% 4.18% 4.26% -6.97% 18.88% 14.94% 28.98% 2.36% 9.11% 35.87%
EBIT Growth		 17.32% 11.49% 9.45% 6.54% -5.63% 24.92% 22.70% 44.80% 3.41% 7.83% 26.54%
NOPAT Growth		 10.51% 0.85% 5.75% 3.24% -3.02% 32.76% 24.00% 45.74% 3.38% 5.53% 24.06%
Net Income Growth		 10.51% 0.85% 5.75% 3.24% -3.02% 32.76% 24.00% 45.74% 3.38% 5.53% 24.06%
EPS Growth		 10.00% 3.23% 3.45% 3.33% -3.03% 34.38% 26.67% 48.39% 3.13% -2.33% 2.63%
Operating Cash Flow Growth		 -66.07% -59.56% -55.83% 123.72% 139.82% -156.18% 256.83% 1,314.55% -29.69% -1,557.23% 202.33%
Free Cash Flow Firm Growth		 -31.98% 55.57% 96.03% 22.55% 67.67% 52.18% -835.36% 98.23% 34.38% -284.01% -88.84%
Invested Capital Growth		 26.71% 13.78% 2.30% 16.35% 7.59% 6.76% 11.95% 1.73% 5.03% 20.37% 19.36%
Revenue Q/Q Growth		 4.29% -3.95% -0.13% -0.84% 2.57% 7.54% -2.55% 8.29% 0.95% 12.57% 8.08%
EBITDA Q/Q Growth		 9.33% -4.77% -4.32% 4.67% -2.45% 21.69% -7.49% 17.45% -22.58% 29.71% 15.20%
EBIT Q/Q Growth		 14.72% -4.91% -4.91% 2.70% 1.62% 25.87% -6.59% 21.20% -27.43% 31.26% 9.61%
NOPAT Q/Q Growth		 9.47% -3.55% -4.73% 2.64% 2.83% 32.03% -11.02% 20.64% -27.06% 34.78% 4.60%
Net Income Q/Q Growth		 9.47% -3.55% -4.73% 2.64% 2.83% 32.03% -11.02% 20.64% -27.06% 34.78% 4.60%
EPS Q/Q Growth		 10.00% -3.03% -6.25% 3.33% 3.23% 34.38% -11.63% 21.05% -28.26% 27.27% -7.14%
Operating Cash Flow Q/Q Growth		 280.98% -32.45% -12.89% -77.73% 1,729.91% -115.82% 653.35% -11.71% -9.04% -472.94% 200.95%
Free Cash Flow Firm Q/Q Growth		 -8.11% 44.09% 90.03% -1,185.79% 54.87% 17.31% -94.93% 97.56% -1,571.06% -383.93% 4.14%
Invested Capital Q/Q Growth		 6.39% 1.29% -3.14% 11.48% -1.63% 0.50% 1.57% 1.30% 1.57% 15.18% 0.71%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 32.72% 32.44% 31.08% 32.80% 31.20% 35.30% 33.51% 36.35% 27.88% 32.12% 34.24%
EBIT Margin		 25.42% 25.17% 23.97% 24.82% 24.59% 28.78% 27.59% 30.87% 22.20% 25.88% 26.25%
Profit (Net Income) Margin		 19.78% 19.87% 18.95% 19.62% 19.67% 24.14% 22.05% 24.56% 17.75% 21.25% 20.56%
Tax Burden Percent		 77.82% 78.93% 79.08% 79.04% 79.98% 83.89% 79.92% 79.55% 79.95% 82.10% 78.35%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 22.18% 21.07% 20.92% 20.96% 20.02% 16.11% 20.08% 20.45% 20.05% 17.90% 21.65%
Return on Invested Capital (ROIC)		 5.21% 4.88% 4.56% 4.50% 4.39% 5.47% 5.11% 5.57% 4.16% 4.84% 4.98%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.21% 4.88% 4.56% 4.50% 4.39% 5.47% 5.11% 5.57% 4.16% 4.84% 4.98%
Return on Net Nonoperating Assets (RNNOA)		 4.56% 4.44% 4.08% 4.34% 4.23% 4.98% 4.35% 5.15% 3.57% 3.74% 3.78%
Return on Equity (ROE)		 9.77% 9.33% 8.65% 8.84% 8.62% 10.45% 9.46% 10.72% 7.74% 8.58% 8.76%
Cash Return on Invested Capital (CROIC)		 -18.58% -8.20% 2.39% -10.63% -2.95% -1.86% -6.31% 3.43% 0.27% -13.62% -12.56%
Operating Return on Assets (OROA)		 0.99% 0.96% 0.91% 0.92% 0.90% 1.08% 1.05% 1.23% 0.90% 1.00% 1.08%
Return on Assets (ROA)		 0.77% 0.76% 0.72% 0.73% 0.72% 0.90% 0.84% 0.98% 0.72% 0.82% 0.85%
Return on Common Equity (ROCE)		 9.77% 9.33% 8.65% 8.84% 8.62% 10.45% 9.46% 10.72% 7.74% 8.58% 8.76%
Return on Equity Simple (ROE_SIMPLE)		 9.09% 0.00% 8.48% 8.39% 7.98% 0.00% 8.76% 9.41% 9.21% 0.00% 7.85%
Net Operating Profit after Tax (NOPAT)		 5.80 5.60 5.33 5.47 5.63 7.43 6.61 7.98 5.82 7.84 8.20
NOPAT Margin		 19.78% 19.87% 18.95% 19.62% 19.67% 24.14% 22.05% 24.56% 17.75% 21.25% 20.56%
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% 0.00%
SG&A Expenses to Revenue		 55.98% 56.94% 58.97% 60.73% 60.20% 58.90% 55.90% 55.67% 58.17% 54.67% 54.54%
Operating Expenses to Revenue		 71.17% 69.51% 72.48% 72.85% 72.79% 69.11% 67.41% 67.74% 75.06% 69.65% 69.37%
Earnings before Interest and Taxes (EBIT)		 7.46 7.09 6.74 6.93 7.04 8.86 8.28 10 7.28 9.55 10
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 9.60 9.14 8.75 9.15 8.93 11 10 12 9.14 12 14
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.70 0.88 0.76 0.81 0.98 1.01 0.98 0.97 0.98 0.82 1.10
Price to Tangible Book Value (P/TBV)		 0.91 1.11 0.96 1.00 1.21 1.24 1.19 1.19 1.19 1.01 1.36
Price to Revenue (P/Rev)		 1.46 1.97 1.74 1.88 2.40 2.43 2.39 2.34 2.34 2.32 2.96
Price to Earnings (P/E)		 7.73 10.30 9.00 9.60 12.30 11.77 11.17 10.32 10.59 10.87 14.08
Dividend Yield		 4.58% 3.45% 3.92% 3.66% 2.90% 2.81% 2.82% 2.78% 2.71% 2.61% 2.34%
Earnings Yield		 12.94% 9.71% 11.12% 10.41% 8.13% 8.50% 8.95% 9.69% 9.44% 9.20% 7.10%
Enterprise Value to Invested Capital (EV/IC)		 0.56 0.77 0.67 0.75 0.71 0.57 0.58 0.78 0.62 0.48 0.60
Enterprise Value to Revenue (EV/Rev)		 2.39 3.33 2.83 3.52 3.32 2.58 2.62 3.46 2.72 2.33 2.69
Enterprise Value to EBITDA (EV/EBITDA)		 7.75 10.56 8.87 10.90 10.40 7.90 7.89 10.11 8.19 7.17 8.23
Enterprise Value to EBIT (EV/EBIT)		 10.38 13.93 11.57 14.15 13.46 10.08 9.90 12.32 9.96 8.75 10.24
Enterprise Value to NOPAT (EV/NOPAT)		 12.66 17.43 14.59 17.98 16.98 12.48 12.24 15.23 12.32 10.88 12.81
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.32 18.07 21.98 19.51 11.54 12.73 8.47 8.25 7.63 0.00 12.43
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 28.44 0.00 0.00 0.00 0.00 22.84 233.52 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.04 0.94 0.84 1.01 0.90 0.89 0.86 0.84 0.82 0.69 0.68
Long-Term Debt to Equity		 1.04 0.94 0.84 1.01 0.90 0.89 0.86 0.84 0.82 0.69 0.68
Financial Leverage		 0.88 0.91 0.90 0.96 0.96 0.91 0.85 0.92 0.86 0.77 0.76
Leverage Ratio		 12.69 12.35 12.06 12.12 11.97 11.55 11.31 10.96 10.75 10.46 10.33
Compound Leverage Factor		 12.69 12.35 12.06 12.12 11.97 11.55 11.31 10.96 10.75 10.46 10.33
Debt to Total Capital		 51.00% 48.33% 45.61% 50.30% 47.33% 47.09% 46.37% 45.78% 45.07% 40.71% 40.43%
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% 0.00%
Long-Term Debt to Total Capital		 51.00% 48.33% 45.61% 50.30% 47.33% 47.09% 46.37% 45.78% 45.07% 40.71% 40.43%
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% 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% 0.00%
Common Equity to Total Capital		 49.00% 51.67% 54.39% 49.70% 52.67% 52.91% 53.63% 54.22% 54.93% 59.29% 59.57%
Debt to EBITDA		 7.01 6.64 6.01 7.31 6.89 6.58 6.36 5.96 5.93 6.02 5.56
Net Debt to EBITDA		 3.02 4.32 3.40 5.08 2.87 0.45 0.69 3.26 1.15 0.01 -0.81
Long-Term Debt to EBITDA		 7.01 6.64 6.01 7.31 6.89 6.58 6.36 5.96 5.93 6.02 5.56
Debt to NOPAT		 11.45 10.96 9.89 12.07 11.26 10.39 9.86 8.97 8.91 9.14 8.65
Net Debt to NOPAT		 4.93 7.13 5.60 8.37 4.68 0.71 1.07 4.92 1.73 0.02 -1.26
Long-Term Debt to NOPAT		 11.45 10.96 9.89 12.07 11.26 10.39 9.86 8.97 8.91 9.14 8.65
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 -97 -54 -5.40 -69 -31 -26 -50 -1.23 -21 -99 -95
Operating Cash Flow to CapEx		 1,417.25% 910.57% 4,979.21% 861.54% 7,792.78% -624.86% 5,186.42% 18,638.82% 4,105.70% -9,395.80% 13,769.80%
Free Cash Flow to Firm to Interest Expense		 -7.48 -3.78 -0.37 -4.65 -1.95 -1.67 -3.46 -0.09 -1.45 -6.70 -6.08
Operating Cash Flow to Interest Expense		 0.66 0.40 0.34 0.08 1.28 -0.21 1.23 1.10 1.02 -3.62 3.46
Operating Cash Flow Less CapEx to Interest Expense		 0.61 0.36 0.34 0.07 1.26 -0.24 1.21 1.09 0.99 -3.66 3.43
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.74 2.80 2.80 2.81 2.80 2.97 3.09 3.28 3.43 3.53 3.88
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 487 493 478 533 524 527 535 542 550 634 639
Invested Capital Turnover		 0.26 0.25 0.24 0.23 0.22 0.23 0.23 0.23 0.23 0.23 0.24
Increase / (Decrease) in Invested Capital		 103 60 11 75 37 33 57 9.21 26 107 104
Enterprise Value (EV)		 275 379 322 399 374 298 308 421 343 307 382
Market Capitalization		 168 224 198 213 271 281 281 285 295 307 420
Book Value per Share		 $13.59 $14.51 $14.80 $15.08 $15.69 $15.90 $16.38 $16.85 $17.31 $21.56 $17.97
Tangible Book Value per Share		 $10.54 $11.49 $11.80 $12.09 $12.73 $12.94 $13.43 $13.71 $14.20 $17.45 $14.64
Total Capital		 487 493 478 533 524 527 535 542 550 634 639
Total Debt		 248 238 218 268 248 248 248 248 248 258 258
Total Long-Term Debt		 248 238 218 268 248 248 248 248 248 258 258
Net Debt		 107 155 123 186 103 17 27 136 48 0.46 -38
Capital Expenditures (CapEx)		 0.60 0.63 0.10 0.13 0.26 0.52 0.35 0.09 0.35 0.57 0.39
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 248 238 218 268 248 248 248 248 248 258 258
Total Depreciation and Amortization (D&A)		 2.14 2.05 2.00 2.23 1.89 2.01 1.78 1.78 1.86 2.30 3.19
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.33 $0.32 $0.30 $0.31 $0.32 $0.43 $0.38 $0.46 $0.33 $0.42 $0.39
Adjusted Weighted Average Basic Shares Outstanding		 17.57M 17.58M 17.56M 17.55M 17.59M 17.56M 17.51M 17.45M 17.46M 17.79M 21.22M
Adjusted Diluted Earnings per Share		 $0.33 $0.32 $0.30 $0.31 $0.32 $0.43 $0.38 $0.46 $0.33 $0.42 $0.39
Adjusted Weighted Average Diluted Shares Outstanding		 17.57M 17.58M 17.56M 17.55M 17.59M 17.56M 17.51M 17.45M 17.46M 17.79M 21.22M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 17.57M 17.56M 17.56M 17.59M 17.53M 17.52M 17.44M 17.46M 17.43M 21.17M 21.16M
Normalized Net Operating Profit after Tax (NOPAT)		 5.80 5.60 5.33 5.47 5.63 7.43 6.61 7.98 6.40 7.84 9.49
Normalized NOPAT Margin		 19.78% 19.87% 18.95% 19.62% 19.67% 24.14% 22.05% 24.56% 19.53% 21.25% 23.78%
Pre Tax Income Margin		 25.42% 25.17% 23.97% 24.82% 24.59% 28.78% 27.59% 30.87% 22.20% 25.88% 26.25%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.58 0.49 0.46 0.46 0.44 0.57 0.57 0.69 0.51 0.64 0.67
NOPAT to Interest Expense		 0.45 0.39 0.36 0.37 0.35 0.48 0.45 0.55 0.41 0.53 0.52
EBIT Less CapEx to Interest Expense		 0.53 0.45 0.45 0.46 0.42 0.54 0.54 0.69 0.49 0.61 0.64
NOPAT Less CapEx to Interest Expense		 0.40 0.35 0.36 0.36 0.33 0.45 0.43 0.55 0.39 0.49 0.50
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 35.43% 35.51% 35.23% 35.17% 35.65% 33.09% 31.57% 28.82% 28.75% 28.45% 28.73%
Augmented Payout Ratio		 39.79% 37.38% 35.23% 36.24% 39.13% 38.56% 39.26% 38.42% 36.39% 36.83% 40.47%

Financials Breakdown Chart

Key Financial Trends

Colony Bankcorp (NYSE: CBAN) continued to post solid quarterly profitability in Q1 2026, but the broader trend still looks mixed when you step back over the last four years. Earnings have generally held up well, yet the bank has shown periods of volatility in operating cash flow, balance-sheet mix, and efficiency. The latest quarter suggests management is still producing meaningful profits, though deposit trends, expense growth, and a heavy securities portfolio remain important items for investors to watch.

  • Q1 2026 net income rose to $8.2 million, up from $7.8 million in Q4 2025 and $6.6 million in Q1 2025, showing continued earnings momentum.
  • Net interest income improved to $29.2 million in Q1 2026, compared with $25.9 million in Q4 2025 and $21.0 million in Q1 2025, helped by higher interest income.
  • Total revenue increased to $39.9 million in Q1 2026 from $36.9 million in the prior quarter and $30.0 million a year earlier.
  • Operating cash flow rebounded sharply to $54.3 million in Q1 2026, after a negative $53.7 million in Q4 2025, indicating stronger cash generation in the latest quarter.
  • Retained earnings increased over time to $166.2 million in Q1 2026 from $145.0 million in Q1 2025, reflecting ongoing earnings accumulation.
  • Loans grew meaningfully over the last year, with net loans and leases rising to $2.39 billion in Q1 2026 from $1.90 billion in Q1 2025, which supports earning assets but also raises credit-risk exposure.
  • Noninterest income remains an important contributor, with service charges and investment-related gains helping diversify revenue beyond lending.
  • The bank continues to pay steady dividends, with cash dividends to common shareholders at $0.12 per share in Q1 2026, consistent with recent quarters.
  • Provision for credit losses stayed elevated at $1.75 million in Q1 2026, above many earlier quarters, suggesting management is still seeing some credit caution.
  • Noninterest expense rose to $27.7 million in Q1 2026 from $25.7 million in Q4 2025, driven partly by higher salaries and a restructuring charge.

From a longer-term perspective, CBAN appears to have moved from a more volatile 2022-2023 period into a more stable and profitable 2024-2026 stretch. Quarterly net income has generally stayed in the mid-$5 million to $8 million range, while revenue and net interest income have trended upward. However, the bank’s cash-flow line items show that results can be influenced by large swings in deposits and investment activity, so investors should not focus on earnings alone.

The balance sheet also tells a nuanced story. Total assets grew to $3.72 billion in Q1 2026 from $3.17 billion in Q1 2025, while total common equity increased to $380.4 million from $286.9 million over the same period. That is a constructive sign for capital growth, but the bank still carries a large amount of trading and investment securities, which can add sensitivity to rate changes and portfolio adjustments.

Bottom line: CBAN looks profitable and appears to be growing its earnings base, but investors should keep an eye on credit provisioning, expense discipline, and deposit stability. The latest quarter is encouraging, yet the stock’s longer-term appeal will depend on whether management can keep revenue growing without letting costs and balance-sheet risk get out of hand.

07/12/26 10:27 PM ETAI Generated. May Contain Errors.

Colony Bankcorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Colony Bankcorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Colony Bankcorp's net income appears to be on an upward trend, with a most recent value of $28.25 million in 2025, rising from $8.37 million in 2015. The previous period was $23.87 million in 2024. View Colony Bankcorp's forecast to see where analysts expect Colony Bankcorp to go next.

Over the last 10 years, Colony Bankcorp's total revenue changed from $46.75 million in 2015 to $132.18 million in 2025, a change of 182.7%.

Colony Bankcorp's total liabilities were at $3.36 billion at the end of 2025, a 18.7% increase from 2024, and a 211.4% increase since 2015.

In the past 10 years, Colony Bankcorp's cash and equivalents has ranged from $15.57 million in 2019 to $197.23 million in 2021, and is currently $27.31 million as of their latest financial filing in 2025.

Over the last 10 years, Colony Bankcorp's book value per share changed from 9.18 in 2015 to 21.56 in 2025, a change of 135.0%.


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Financial statements for NYSE:CBAN last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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