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.

Price · CBAN

1Y 3Y 5Y Max

Annual Quarterly

Income Statement

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$7.54M◇	$204.0K◇	($89.0K)◇	$8.55M◇	-	-
Cost of Revenue	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-
R&D	-	-	-	-	-	-
SG&A	-	-	-	-	-	-
Total Operating Expenses	-	-	-	-	-	-
D&A	$2.60M	$2.50M	$2.40M	$2.70M	$2.70M	$2.30M
Operating Income	$35.13M	$29.57M	$27.21M	$22.85M	$14.63M	$14.63M
Interest Expense	-	-	$46.67M	$10.87M	$4.40M	$7.88M
Income Tax	$6.88M	$5.70M	$5.47M	$3.31M	$4.50M	$2.81M
Net Income	$28.25M	$23.87M	$21.75M	$19.54M	$18.66M	$11.81M
EPS - Basic	$1.59	$1.36	$1.24	$1.14	$1.66	$1.24
EPS - Diluted	$1.59	$1.36	$1.24	$1.14	$1.66	$1.24

Balance Sheet

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Cash & Equivalents	$257.64M	$231.03M	$83.32M	$80.68M	$197.23M	$183.51M
Accounts Receivable	-	-	-	-	-	-
Inventory	-	-	-	-	-	-
Accounts Payable	-	-	-	-	-	-
Current Assets	-	-	-	-	-	-
Total Assets	$3.74B	$3.11B	$3.05B	$2.94B	$2.69B	$1.76B
Current Liabilities	-	-	-	-	-	-
Long-term Debt	$258.10M	$248.04M	$238.44M	$203.35M	$88.45M	$85.79M
Total Liabilities	$3.36B	$2.83B	$2.80B	$2.71B	$2.47B	$1.62B
Stockholders' Equity	$375.92M	$278.68M	$254.94M	$230.27M	$217.71M	$144.49M
Retained Earnings	$160.58M	$140.37M	$124.40M	$111.57M	$99.19M	$84.99M

Cash Flow

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Operating Cash Flow	($5.54M)	$23.40M	$20.98M	$49.74M	$36.10M	($19.09M)
Investing Cash Flow	$3.41M	$101.16M	($98.75M)	($448.23M)	($208.33M)	($130.27M)
Financing Cash Flow	$28.74M	$23.15M	$80.41M	$281.93M	$185.95M	$228.77M
CapEx	$1.35M	$1.08M	$3.62M	$2.90M	$5.84M	$4.24M
Free Cash Flow	($6.90M)	$22.32M	$17.36M	$46.85M	$30.27M	($23.34M)

Ratios

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Profitability
Gross margin	-	-	-	-	-	-
Operating margin	466.3%	14493.6%	-30576.4%	267.3%	-	-
EBITDA margin	500.8%	15719.1%	-33273.0%	298.9%	-	-
Net margin	375.0%	11700.0%	-24434.8%	228.6%	-	-
Free cash flow margin	-91.6%	10941.7%	-19511.2%	547.9%	-	-
FCF / Net income	-0.24	0.94	0.80	2.40	1.62	-1.98
R&D / Revenue	-	-	-	-	-	-
SG&A / Revenue	-	-	-	-	-	-
Effective tax rate	19.6%	19.3%	20.1%	14.5%	19.4%	19.2%
Return on assets	0.8%	0.8%	0.7%	0.7%	0.7%	0.7%
Return on equity	7.5%	8.6%	8.5%	8.5%	8.6%	8.2%
Return on invested capital	4.5%	4.5%	4.4%	4.5%	3.9%	5.1%
Liquidity
Current ratio	-	-	-	-	-	-
Quick ratio	-	-	-	-	-	-
Cash ratio	-	-	-	-	-	-
Leverage
Debt / Equity	0.69	0.89	0.94	0.88	0.41	0.59
Debt / Assets	0.07	0.08	0.08	0.07	0.03	0.05
Debt / EBITDA	6.84	7.74	8.05	7.96	5.10	5.07
Interest coverage	-	-	0.6x	2.1x	3.3x	1.9x
Equity multiplier	9.94	11.16	11.98	12.75	12.36	12.21
Liabilities / Assets	0.90	0.91	0.92	0.92	0.92	0.92
Efficiency
Asset turnover	0.00	0.00	-0.00	0.00	-	-
Inventory turnover	-	-	-	-	-	-
Days sales outstanding	-	-	-	-	-	-
Days inventory outstanding	-	-	-	-	-	-
Days payable outstanding	-	-	-	-	-	-
Cash conversion cycle	-	-	-	-	-	-
Valuation
P / E	11.2x	11.9x	10.7x	11.1x	10.3x	11.8x
P / B	0.8x	1.0x	0.9x	0.9x	0.9x	1.0x
P / S	42.1x	1389.1x	-	25.5x	-	-
EV / EBITDA	8.4x	9.4x	13.1x	13.3x	4.8x	2.4x
Growth
Revenue growth (YoY)	3593.6%	-329.2%	-101.0%	-	-	-
Revenue CAGR (3y)	-4.1%	-	-	-	-	-
Revenue CAGR (5y)	-	-	-	-	-	-
Gross profit growth (YoY)	-	-	-	-	-	-
Operating income growth (YoY)	18.8%	8.7%	19.1%	56.2%	0.0%	16.0%
Net income growth (YoY)	18.4%	9.8%	11.3%	4.7%	57.9%	15.7%
EPS growth (YoY)	16.9%	9.7%	8.8%	-31.3%	33.9%	10.7%
EPS CAGR (3y)	11.7%	-6.4%	0.0%	0.6%	5.8%	12.5%
EPS CAGR (5y)	5.1%	4.0%	-2.4%	5.6%	14.6%	11.8%
FCF growth (YoY)	-	28.5%	-62.9%	54.8%	-	-
FCF CAGR (5y)	-	118.5%	7.4%	31.2%	24.5%	-
Book value growth (YoY)	34.9%	9.3%	10.7%	5.8%	50.7%	10.7%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$7.54M total

Mortgage Segment$7.43M · 98.6%

Bank Segment$109.0K · 1.4%

Product / service

$26.21M total

Mortgage Banking$9.70M · 37.0%

Credit Card$8.44M · 32.2%

Bank Servicing$7.54M · 28.8%

Financial Service Other$540.0K · 2.1%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

2/9

Weak

✓Net income positive
✗Operating cash flow positive
✗ROA improved YoY
✗Cash flow > net income
✗Long-term debt decreased
-Current ratio improved
✗No share dilution
-Gross margin improved
✓Asset turnover improved

Peer comparison

Same SIC group: State Commercial Banks

Company	Revenue (last FY)	Net margin	ROE
ASB	-	-	9.5%
CZNC	$5.98M	392.0%	6.9%
SBSI	-	-	8.2%
CBSH	-	-	14.9%
BUSE	$719.58M	18.8%	5.5%

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

Cells marked with a small ◇ are sourced from SEC's bulk Financial Statement Data Sets, which can lose dimensional context (notably Revenue and Operating Income for issuers that report by segment). These cells will be replaced with authoritative values from the Company Facts API as the backfill completes.