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Colony Bankcorp (CBAN) Financials

$17.14 +0.73 (+4.45%)
As of 08/22/2025 03:58 PM Eastern
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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 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

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 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

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 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

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 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

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 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

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
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

Annual Metrics And Ratios for Colony Bankcorp

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%

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 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%

Key Financial Trends

Colony Bankcorp (NASDAQ:CBAN) has shown a generally stable financial performance across the last four years, highlighted by steady growth in net interest income and consistent profitability. Below are the key insights derived from the analysis of the company's quarterly financial statements, focusing on income, cash flows, and balance sheet changes.

  • Net interest income has increased from approximately $21.4 million in Q4 2022 to about $20.5 million in Q4 2024, exhibiting resilience in core earnings despite fluctuations in interest rates.
  • Total revenue has shown growth, reaching $30.8 million in Q4 2024 from $29.1 million in Q4 2022, driven by both interest income and non-interest income sources.
  • Net income attributable to common shareholders increased from about $5.5 million in Q4 2022 to $7.4 million in Q4 2024, indicating improved profitability.
  • Cash dividends per common share have been maintained or slightly increased, with a notable payment of $0.11 per share in Q4 2024, supporting shareholder returns.
  • The company's loan portfolio has grown, with net loans and leases increasing from roughly $1.82 billion in Q2 2023 to about $1.87 billion in Q4 2024, signaling business expansion.
  • Non-interest income remains a meaningful contributor, with service charges and realized/unrealized capital gains supporting revenue streams.
  • Allowance for loan and lease losses has slightly increased over the period, consistent with growing loan balances, but provisions for credit losses remain moderate.
  • Operating expenses have trended upward, with increases in salaries, occupancy, and other operating costs, reflecting the bank’s growth activities.
  • Long-term debt remains significant and relatively stable, with interest expense slightly increasing but manageable relative to earnings.
  • The company’s equity base has grown moderately, improving the capital structure and supporting future growth.
  • Net cash from operating activities fluctuated significantly, with a notably negative amount of approximately -$3.2 million in Q4 2024, raising some short-term liquidity concerns.
  • Investment securities purchases have been substantial, with over $160 million spent on securities in Q4 2024 cash flows, representing a large cash outflow that could pressure liquidity.
  • Other non-interest income showed volatility, including a negatively large figure in Q4 2023, which could indicate non-recurring or volatile income components.
  • Accumulated other comprehensive income/loss has been negative and increasing in magnitude (e.g., -$45 million in Q3 2024), potentially reflecting unrealized losses on investment securities or other comprehensive income components.
  • Repayments of debt frequently taper off or equate closely with issuance, maintaining an elevated debt level; this coupled with interest expense pressure may affect net interest margins if rates rise.

Summary: Colony Bankcorp has demonstrated steady growth in loans, revenue, and net income over the past several years. Profitability is improving with stable earnings per share and consistent dividends. However, cash flow from operations has experienced some volatility, and the sizeable investments in securities may impact liquidity. The negative comprehensive income highlights sensitivity to market valuations. Overall, the financials suggest a growing bank with manageable risks but some areas requiring monitoring, particularly cash flow stability and interest rate exposure.

08/24/25 04:26 AMAI Generated. May Contain Errors.

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's 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 (NYSE:CBAN) was last updated on 8/24/2025 by MarketBeat.com Staff
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