A Business at a Glance
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COLONY BANKCORP INC
CBAN
$388M
Mkt Cap
$21.84
+1.25%
COLONY BANKCORP INC (CBAN) has a current P/E ratio of 13.7, compared to its historical median P/E of 10.1. The stock is currently considered Expensive based on its historical valuation range.
COLONY BANKCORP INC (CBAN) has a 5-year average return on invested capital (ROIC) of 5.1%. This is below average and may indicate limited pricing power.
COLONY BANKCORP INC (CBAN) has a market capitalization of $388M. It is classified as a small-cap stock.
Yes, COLONY BANKCORP INC (CBAN) pays a dividend with a trailing twelve-month yield of 2.07%. The company also returns capital through share buybacks, with a buyback yield of 0.61%.
Based on historical P/E analysis, COLONY BANKCORP INC (CBAN) appears expensive. The current P/E of 13.7 is 36% above its historical median of 10.1. The estimated fair value CAGR (P/E method) is 1.2%.
COLONY BANKCORP INC (CBAN) operates in the State Commercial Banks industry, within the Financials sector.
COLONY BANKCORP INC (CBAN) reported annual revenue of $190 million in its most recent fiscal year, based on SEC EDGAR filings.
COLONY BANKCORP, INC. Colony Bankcorp, Inc. (the “Company” or “Colony”) is a financial services company and a registered bank holding company headquartered in Fitzgerald, Georgia. The Company was incorporated on November 8, 1982 under the laws of the State of Georgia. The Company was organized for the purpose of operating as a bank holding company under the Bank Holding Company Act of 1956, as amended, and the bank holding company laws of Georgia. Our business is conducted primarily through our wholly-owned bank subsidiary, Colony Bank, a Georgia state-chartered commercial bank, which provides a broad range of banking services to its retail and commercial customers. We operate locations throughout Georgia as well as in Birmingham, Alabama, and Jacksonville, Santa Rosa Beach and Tallahassee, Florida. At December 31, 2025, we had approximately $3.7 billion in total assets, $2.5 billion in total loans, $3.1 billion in total deposits and $375.9 million in stockholder’s equity.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 190M | 190M | 177M | 161M | 127M | 107M |
| Net Income | 28M | 28M | 24M | 22M | 20M | 19M |
| EPS | $1.59 | $1.59 | $1.36 | $1.24 | $1.14 | $1.66 |
| Free Cash Flow | -6.9M | -6.9M | 22M | 17M | 47M | 30M |
| ROIC | 4.5% | 4.9% | 4.7% | 4.7% | 5.3% | 6.0% |
| Gross Margin | 73.1% | 73.1% | 70.0% | 75.7% | 88.8% | 95.2% |
| Debt/Equity | 0.69 | 0.69 | 0.89 | 0.94 | 0.88 | 0.41 |
| Dividends/Share | $0.45 | $0.46 | $0.45 | $0.44 | $0.43 | $0.41 |
| Operating Income | 5.6M | 5.6M | 4.7M | 4.0M | 995K | 1.4M |
| Operating Margin | 3.0% | 3.0% | 2.7% | 2.5% | 0.8% | 1.3% |
| ROE | 7.5% | 8.6% | 8.9% | 9.0% | 8.7% | 10.3% |
| Shares Outstanding | 18M | 18M | 18M | 18M | 17M | 11M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 54M | 53M | 54M | 56M | 59M | 74M | 87M | 107M | 127M | 161M | 177M | 190M | 190M |
| Gross Margin | 36.2% | 86.1% | 86.1% | 86.9% | 85.6% | 81.6% | 83.5% | 95.2% | 88.8% | 75.7% | 70.0% | 73.1% | 73.1% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 18M | 18M | 18M | 19M | 20M | 26M | 34M | 46M | 53M | 49M | 50M | 52M | 52M |
| EBIT | 1.6M | 1.6M | 1.4M | 1.4M | 1.2M | 811K | 15M | 1.4M | 995K | 4.0M | 4.7M | 5.6M | 5.6M |
| Op. Margin | 3.1% | 3.1% | 2.5% | 2.4% | 2.1% | 1.1% | 16.7% | 1.3% | 0.8% | 2.5% | 2.7% | 3.0% | 3.0% |
| Net Income | 4.8M | 6.0M | 7.2M | 7.5M | 12M | 10M | 12M | 19M | 20M | 22M | 24M | 28M | 28M |
| Net Margin | 9.0% | 11.2% | 13.3% | 13.5% | 20.3% | 13.7% | 13.5% | 17.5% | 15.4% | 13.5% | 13.5% | 14.9% | 14.9% |
| Non-Recurring | 12K | -11K | -80K | 11K | -173K | 0 | 1.7M | 90K | 62K | 93K | 192K | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 5.1% | 6.2% | 7.6% | 8.2% | 12.7% | 6.5% | 4.5% | 6.0% | 5.3% | 4.7% | 4.7% | 4.9% | 4.5% |
| ROE | 5.1% | 6.2% | 7.6% | 8.2% | 12.8% | 9.0% | 8.6% | 10.3% | 8.7% | 9.0% | 8.9% | 8.6% | 7.5% |
| ROA | 0.4% | 0.5% | 0.6% | 0.6% | 1.0% | 0.7% | 0.7% | 0.8% | 0.7% | 0.7% | 0.8% | 0.8% | 0.8% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 15M | 14M | 13M | 13M | 15M | 3.9M | -19M | 36M | 50M | 21M | 23M | -5.5M | -5.5M |
| Free Cash Flow | 13M | 11M | 10M | 11M | 12M | 392K | -23M | 30M | 47M | 17M | 22M | -6.9M | -6.9M |
| Owner Earnings | 13M | 12M | 12M | 11M | 13M | 1.1M | -22M | 32M | 44M | 15M | 18M | -10M | -10M |
| CapEx | 1.7M | 3.2M | 3.3M | 1.3M | 2.8M | 3.5M | 4.2M | 5.8M | 2.9M | 3.6M | 1.1M | 1.4M | 1.4M |
| Maint. CapEx | 1.6M | 1.7M | 1.6M | 1.6M | 1.8M | 2.7M | 3.1M | 3.9M | 4.4M | 3.9M | 3.7M | 3.7M | 3.7M |
| Growth CapEx | 86K | 1.5M | 1.7M | 0 | 915K | 785K | 1.2M | 1.9M | 0 | 0 | 0 | 0 | 0 |
| D&A | 1.6M | 1.7M | 1.6M | 1.6M | 1.8M | 2.7M | 3.1M | 3.9M | 4.4M | 3.9M | 3.7M | 3.7M | 3.7M |
| CapEx/OCF | 11.4% | 22.7% | 24.3% | 10.7% | 18.5% | 89.9% | N/A | 16.2% | 5.8% | 17.2% | 4.6% | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 5.5M | 2.5M | 1.6M | 844K | 1.7M | 2.7M | 3.8M | 4.5M | 7.2M | 7.7M | 7.9M | 8.0M | 8.0M |
| Dividend Yield | 12.5% | 4.3% | 2.4% | 0.9% | 1.5% | 2.2% | 3.8% | 2.7% | 3.0% | 4.5% | 3.5% | N/A | 2.1% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 540K | 406K | 1.3M | 2.4M | 2.4M |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.3% | 0.2% | 0.5% | 0.0% | 0.6% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | 14K | 34K | 33K | 599K | 1.7M | 1.7M | 1.3M | 785K | 785K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -255M | -254M | -282M | -340M | -345M | -366M | -397M | -118M | 123M | 155M | -17M | -73M | 464K |
| Cash & Equiv. | 45M | 22M | 29M | 58M | 60M | 104M | 184M | 197M | 81M | 83M | 231M | 258M | 258M |
| Long-Term Debt | N/A | N/A | N/A | N/A | 2.2M | 86M | 167M | 88M | 203M | 238M | 248M | 258M | 258M |
| Debt/Equity | 0.65 | 0.67 | 0.75 | 0.79 | 0.71 | 0.66 | 1.16 | 0.41 | 0.88 | 0.94 | 0.89 | 0.69 | 0.69 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.1 |
| Equity | 99M | 95M | 93M | 90M | 96M | 131M | 144M | 218M | 230M | 255M | 279M | 376M | 376M |
| Total Assets | 1.1B | 1.2B | 1.2B | 1.2B | 1.3B | 1.5B | 1.8B | 2.7B | 2.9B | 3.1B | 3.1B | 3.7B | 3.7B |
| Total Liabilities | 1.0B | 1.1B | 1.1B | 1.1B | 1.2B | 1.4B | 1.6B | 2.5B | 2.7B | 2.8B | 2.8B | 3.4B | 3.4B |
| Intangibles | 152K | 116K | 81K | 45K | 556K | 3.1M | 2.3M | 7.4M | 5.7M | 4.2M | 3.0M | 7.9M | 7.9M |
| Retained Earnings | 38M | 44M | 51M | 59M | 69M | 77M | 85M | 99M | 112M | 124M | 140M | 161M | 161M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.57 | 0.71 | 0.84 | 0.87 | 1.40 | 1.12 | 1.24 | 1.66 | 1.14 | 1.24 | 1.36 | 1.59 | 1.59 |
| Owner EPS | 1.55 | 1.47 | 1.38 | 1.26 | 1.53 | 0.13 | -2.33 | 2.81 | 2.54 | 0.88 | 1.05 | -0.56 | -0.56 |
| Book Value | 11.66 | 11.30 | 10.93 | 10.42 | 11.24 | 14.31 | 15.16 | 19.37 | 13.43 | 14.54 | 15.88 | 21.16 | 21.16 |
| Cash Flow/Share | 1.74 | 1.67 | 1.57 | 1.45 | 1.75 | 0.43 | -2.00 | 3.21 | 2.90 | 1.20 | 1.33 | -0.31 | 1.80 |
| Dividends/Share | 0.65 | 0.29 | 0.19 | 0.10 | 0.20 | 0.30 | 0.40 | 0.41 | 0.43 | 0.44 | 0.45 | 0.46 | 0.45 |
| Shares Out. | 8.5M | 8.4M | 8.5M | 8.7M | 8.5M | 9.1M | 9.5M | 11.2M | 17.1M | 17.5M | 17.6M | 17.8M | 17.8M |
| Valuation | |||||||||||||
| P/E Ratio | 10.6 | 10.5 | 12.1 | 13.4 | 8.3 | 12.1 | 9.7 | 9.0 | 10.0 | 10.1 | 11.6 | N/A | 13.7 |
| P/FCF | 3.9 | 5.8 | 8.6 | 9.1 | 8.2 | 316.1 | N/A | 5.6 | 4.2 | 12.6 | 12.4 | N/A | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | 200.6 | 6.8 | 142.9 | 275.7 | 71.1 | 71.7 | N/A | 69.1 |
| Price/Book | 0.5 | 0.7 | 0.9 | 1.1 | 1.0 | 0.9 | 0.8 | 0.8 | 0.9 | 0.9 | 1.0 | N/A | 1.0 |
| Price/Sales | 0.9 | 1.2 | 1.4 | 1.9 | 2.2 | 2.0 | 1.3 | 1.6 | 2.1 | 1.5 | 2.0 | N/A | 2.0 |
| FCF Yield | 25.6% | 17.3% | 11.6% | 11.0% | 12.2% | 0.3% | -20.4% | 18.0% | 23.9% | 7.9% | 8.1% | N/A | -1.8% |
| Market Cap | 51M | 63M | 87M | 101M | 99M | 124M | 114M | 168M | 196M | 219M | 277M | 0 | 388M |
| Avg. Price | 5.16 | 6.84 | 7.79 | 10.95 | 13.25 | 13.31 | 10.44 | 14.62 | 13.89 | 9.82 | 12.87 | 0.00 | 21.84 |
| Year-End Price | 6.02 | 7.44 | 10.17 | 11.70 | 11.66 | 13.59 | 11.99 | 14.96 | 11.43 | 12.50 | 15.79 | 0.00 | 21.84 |
COLONY BANKCORP INC passes 4 of 9 quality checks, suggesting mixed fundamentals.
COLONY BANKCORP INC trades at 13.7x trailing earnings, compared to its 15-year median P/E of 10.1x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 8.7x vs a median of 8.6x. The company's 5-year average ROIC is 5.1% with a gross margin of 80.5%. Total shareholder yield (dividends + buybacks) is 2.7%. At current prices, the estimated annualized return to fair value is +17.9%.
COLONY BANKCORP INC (CBAN) has a net profit margin of 14.9%. This is a healthy margin.
COLONY BANKCORP INC (CBAN) generated $-7 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
COLONY BANKCORP INC (CBAN) has a debt-to-equity ratio of 0.69. This indicates moderate leverage.
COLONY BANKCORP INC (CBAN) reported earnings per share (EPS) of $1.59 in its most recent fiscal year.
COLONY BANKCORP INC (CBAN) has a return on equity (ROE) of 8.6%. This indicates moderate shareholder returns.
COLONY BANKCORP INC (CBAN) has a 5-year average gross margin of 80.5%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for COLONY BANKCORP INC (CBAN), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
COLONY BANKCORP INC (CBAN) has a book value per share of $21.16, based on its most recent annual SEC filing.