CBAN · Colony Bankcorp Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $10.47M | - | $7.28M | $10.03M | $8.28M | - | $7.04M | $6.93M | $6.74M | - |
| Interest Expense | - | - | - | - | - | - | - | $14.93M | $14.66M | - |
| Income Tax | $2.27M | - | $1.46M | $2.05M | $1.66M | - | $1.41M | $1.45M | $1.41M | - |
| Net Income | $8.20M | - | $5.82M | $7.98M | $6.61M | - | $5.63M | $5.47M | $5.33M | - |
| EPS - Basic | $0.39 | - | $0.33 | $0.46 | $0.38 | - | $0.32 | $0.31 | $0.30 | - |
| EPS - Diluted | $0.39 | - | $0.33 | $0.46 | $0.38 | - | $0.32 | $0.31 | $0.30 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $295.81M | $257.64M | $199.97M | $112.14M | $221.21M | $231.03M | $144.85M | $82.00M | $94.67M | $83.32M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $3.72B | $3.74B | $3.15B | $3.12B | $3.17B | $3.11B | $3.07B | $3.01B | $3.02B | $3.05B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | $258.10M | - | - | - | $248.04M | - | - | - | $238.44M |
| Total Liabilities | $3.34B | $3.36B | $2.85B | $2.82B | $2.88B | $2.83B | $2.79B | $2.74B | $2.76B | $2.80B |
| Stockholders' Equity | $380.40M | $375.92M | $302.33M | $293.86M | $286.93M | $278.68M | $276.05M | $264.74M | $259.91M | $254.94M |
| Retained Earnings | $166.24M | $160.58M | $154.75M | $150.94M | $144.97M | $140.37M | $134.91M | $131.26M | $127.76M | $124.40M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $54.25M | - | - | - | $17.95M | - | - | - | $5.03M | - |
| Investing Cash Flow | $7.36M | - | - | - | ($79.64M) | - | - | - | $50.90M | - |
| Financing Cash Flow | ($23.44M) | - | - | - | $51.87M | - | - | - | ($44.58M) | - |
| CapEx | $421.0K | - | - | - | $346.0K | - | - | - | $101.0K | - |
| Free Cash Flow | $53.83M | - | - | - | $17.60M | - | - | - | $4.93M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 6.56 | - | - | - | 2.66 | - | - | - | 0.92 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 21.7% | - | 20.0% | 20.5% | 20.1% | - | 20.0% | 21.0% | 20.9% | - |
| Return on assets | 0.2% | - | 0.2% | 0.3% | 0.2% | - | 0.2% | 0.2% | 0.2% | - |
| Return on equity | 2.2% | - | 1.9% | 2.7% | 2.3% | - | 2.0% | 2.1% | 2.1% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | 0.69 | - | - | - | 0.89 | - | - | - | 0.94 |
| Debt / Assets | - | 0.07 | - | - | - | 0.08 | - | - | - | 0.08 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | 0.5x | 0.5x | - |
| Equity multiplier | 9.78 | 9.94 | 10.43 | 10.60 | 11.05 | 11.16 | 11.10 | 11.36 | 11.60 | 11.98 |
| Liabilities / Assets | 0.90 | 0.90 | 0.90 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.92 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 51.2x | - | 51.5x | 35.8x | 42.5x | - | 48.5x | 39.5x | 38.3x | - |
| P / B | 1.1x | - | 1.0x | 1.0x | 1.0x | - | 1.0x | 0.8x | 0.8x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 26.5% | - | 3.4% | 44.8% | 22.7% | - | -5.6% | 6.5% | 9.4% | - |
| Net income growth (YoY) | 24.1% | - | 3.4% | 45.7% | 24.0% | - | -3.0% | 3.2% | 5.8% | - |
| EPS growth (YoY) | 2.6% | - | 3.1% | 48.4% | 26.7% | - | -3.0% | 3.3% | 3.4% | - |
| EPS CAGR (3y) | 10.4% | - | 3.2% | 34.3% | 3.8% | - | -10.7% | -9.6% | -16.8% | - |
| EPS CAGR (5y) | -5.6% | - | 0.0% | 14.9% | 17.5% | - | 3.5% | 6.2% | -2.5% | - |
| FCF growth (YoY) | 205.9% | - | - | - | 257.1% | - | - | - | -53.0% | - |
| FCF CAGR (5y) | 14.8% | - | - | - | 45.9% | - | - | - | 4.1% | - |
| Book value growth (YoY) | 32.6% | 34.9% | 9.5% | 11.0% | 10.4% | 9.3% | 15.7% | 10.6% | 8.9% | 10.7% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$7.54M totalMortgage Segment$7.43M · 98.6%
Bank Segment$109.0K · 1.4%
Product / service
$26.21M totalMortgage Banking$9.70M · 37.0%
Credit Card$8.44M · 32.2%
Bank Servicing$7.54M · 28.8%
Financial Service Other$540.0K · 2.1%
Peer comparison
Same SIC group: State Commercial Banks
Comparing COLONY BANKCORP INC against the 5 most active filers in the same SIC group.
Dividends
$0.47/share trailing 12 months · +3.1% YoY
| Ex-date | Per share |
|---|---|
| May 6, 2026 | $0.1200 |
| Feb 11, 2026 | $0.1200 |
| Nov 5, 2025 | $0.1150 |
| Aug 6, 2025 | $0.1150 |
| May 7, 2025 | $0.1150 |
| Feb 5, 2025 | $0.1150 |
| Nov 6, 2024 | $0.1130 |
| Aug 7, 2024 | $0.1130 |
| May 7, 2024 | $0.1130 |
| Feb 6, 2024 | $0.1130 |
| Nov 7, 2023 | $0.1100 |
| Aug 8, 2023 | $0.1100 |
| May 9, 2023 | $0.1100 |
| Feb 8, 2023 | $0.1100 |
| Nov 3, 2022 | $0.1080 |
| Aug 4, 2022 | $0.1080 |
| May 5, 2022 | $0.1080 |
| Feb 3, 2022 | $0.1080 |
| Nov 2, 2021 | $0.1030 |
| Aug 2, 2021 | $0.1030 |
| Apr 30, 2021 | $0.1030 |
| Jan 28, 2021 | $0.1030 |
| Oct 29, 2020 | $0.1000 |
| Aug 6, 2020 | $0.1000 |