Colony Bankcorp, Inc.

Colony Bankcorp, Inc.

CBAN
Colony Bankcorp, Inc.US flagNew York Stock Exchange
19.55
USD
-0.32
- -
347.80MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
5.46
5.58
5.54
5.65
5.78
5.97
6.77
8.37
9.11
6.73
6.48
6.58
7.43
7.59
Basic EPS, GAAP
0.37
0.57
0.71
0.85
0.89
1.41
1.12
1.24
1.66
1.14
1.24
1.36
1.59
1.59
Free Cash Flow per Basic Share
2.06
1.55
1.29
1.2
1.33
1.44
0.04
-2.46
2.69
2.73
0.99
1.27
-0.39
1.57
Dividend per Share
- -
0.65
0.29
0.19
0.14
0.2
0.29
0.4
0.4
0.42
0.44
0.45
0.45
0.46
Book Value per Share
4.96
5.54
6.25
7.1
8.02
9.23
9.47
9.95
10.03
7.51
8.08
8.99
10.22
10.01
Tangible Book Value per Share
7.32
8.4
9.16
9.95
10.7
11.25
12.16
13.29
13.99
10.22
11.48
12.92
17.1
16.56
Basic Weighted Avg Shares
8
8
8
8
8
8
9
9
11
17
18
18
18
19
Sales/Revenue/Turnover
46
47
47
48
49
50
62
79
102
116
114
115
132
142
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
4
3
3
3
3
2
3
6
9
12
9
8
8
9
Net Income, GAAP
5
8
8
9
8
12
10
12
19
20
22
24
28
30
Effective Tax Rate (%)
33.53
30.26
31.15
30.75
46.65
20.11
19.02
19.24
19.41
14.48
20.09
19.27
19.59
20.06
Profit Margin (%)
10.05
15.99
17.91
18.2
15.89
23.64
16.51
14.86
18.21
16.89
19.1
20.67
21.37
21.01
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
64
64
64
70
72
68
80
55
83
203
238
248
258
258
Total Equity
90
99
95
93
90
96
131
144
218
230
255
279
376
380
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
7.72
10.93
12.06
12.75
11.82
16.37
12.42
13.06
18
16.15
16.04
15.92
16.63
17.06

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
185
258
258
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
17
21
21
Market Capitalization
297
317
374

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
190
252
504
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.89%
22.27%
34.9%
Free Cash Flow
-647.76%
-68.04%
-130.91%
Net Income, GAAP
15.02%
20.41%
18.37%
Sales/Revenue/Turnover
11.5%
11.22%
14.49%
Total Cash Common Dividend
112.92%
17.95%
1.76%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
28
28
29
31
115
2025
30
32
33
37
132
2026
40
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.3
0.31
0.32
0.42
1.36
2025
0.38
0.46
0.33
0.42
1.59
2026
0.39
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.11
0.11
0.11
0.11
0.45
2025
0.12
0.12
0.12
0.11
0.45
2026
0.12
- -
- -
- -
- -

Company Description

APIChat
CEO
Roy Dallis Copeland Jr.
Full Time Employees
443
Sector
Financial Services
Industry
Banks - Regional
Address
115 South Grant Street Fitzgerald GA United States of America 31750
IPO Date
Apr 2, 1998
Business
Colony Bankcorp, Inc. (NYSE: CBAN) operates as the bank holding company for Colony Bank, a community bank providing a broad range of retail and commercial banking products and services to customers throughout Georgia, Alabama, and Florida. Founded in 1975 and headquartered in Fitzgerald, Georgia, the company serves small and medium-sized businesses, individuals, and families through its three primary operating segments: traditional Banking, Mortgage Banking, and Small Business Specialty Lending. Its core deposit products include checking accounts, savings accounts, money market accounts, and other time deposits; treasury management solutions; merchant services; electronic bill payment; safe deposit boxes; telephone banking; credit and debit card services; remote deposit capture; and access to an extensive ATM network. The company originates a diverse loan portfolio encompassing commercial real estate loans; commercial and industrial loans; agri-business and production loans; residential mortgage loans; home equity loans; consumer loans; residential and commercial construction loans; land development loans; and small business administration (SBA) and other government-guaranteed loans. Complementing these offerings, Colony Bank provides specialized services such as mortgage lending; government-guaranteed lending; consumer insurance; wealth management; internet and mobile banking; and credit card programs targeting personal and business customers in the southeastern United States. In a significant strategic expansion completed on December 1, 2025, Colony Bankcorp acquired TC Bancshares, Inc. and its subsidiary TC Federal Bank for approximately $86.1 million, combining approximately $3.8 billion in total assets, $3.1 billion in deposits, and $2.4 billion in loans to strengthen its presence in key Georgia and Sun Belt markets. This merger enhances Colony's loan portfolio diversification, particularly in small business and commercial real estate lending, while delivering immediate earnings per share accretion and operational synergies through cost savings and mid-teens loan growth potential into 2026. The transaction builds on the company's history of disciplined growth, including prior acquisitions such as Pitts Banking & Auburn Bank in 1984 and Bank of Dodge in 1985, and supports its focus on community banking with multiple fee-income streams from specialty lines.

Company News

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