CBAN Financial Services

Colony Bankcorp, Inc.

$20.28-1.65%

Price as of close on Nov 3, 2026 · Financials updated Nov 2, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 430.3M USD
Full-time employees: 525

Overall health

Drawback: less profitable than most peersless profitable than peers
Drawback: growing more slowly than most peersgrowing more slowly than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #772 of 791 banks & insurance companies (bottom 3%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 21% from December 2022 to August 2026.
Colony Bankcorp had 21% more shares at August 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.Colony Bankcorp had 21% more shares at August 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.
Stock pay is large next to buybacks. Stock-based pay expense $4M vs $4M spent repurchasing shares over the 3 fiscal years to 2025.
Over three fiscal years Colony Bankcorp recorded $4M of stock-based pay expense and spent $4M repurchasing shares (repurchases can include shares withheld to cover employees' taxes).Over three fiscal years Colony Bankcorp recorded $4M of stock-based pay expense and spent $4M repurchasing shares.
Valuation signals disagree. Cheaper than 61% of peers on book value, but only 10% on earnings.
Relative to its book value, Colony Bankcorp looks cheaper than 61% of peers; relative to its earnings, cheaper than only 10%. The valuation score blends the two, so look at which measure fits this business best.

StockQuotient Score

9/ 100

Oct 5 10 → Nov 4 9 (-1)

Valuation

Is the price right?

17/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why

Weaker than most peers on:

▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield90.6%

SEC filings · latest balance sheetReported value40% base weight · Z-score 0.39Sector median: 0.7950 · MAD: 0.2843

Earnings yield2.6%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score -2.10Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield5.1%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

0/100

Weak

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth-67.0%

SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentile100% base weight · Z-score -3.12Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth4.5%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth14.5%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

9/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ ROE
▼ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.3%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -1.39Sector median: 0.0117 · MAD: 0.0062

Return on equity2.8%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -2.04Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Colony Bankcorp

Is Colony Bankcorp getting weaker?: Its latest SEC filing (Aug 5, 2026) showed no major changes. Its overall score is unchanged at 9/100 since Oct 28, 2026.
How is Colony Bankcorp valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 17/100 against 950 banks & insurance peers. Book yield 90.6% vs a peer median of 79.5% (stronger than 61% of peers).Book yield 90.6% vs peers 79.5% (stronger than 61% of peers). Earnings yield 2.6% vs a peer median of 7.9% (weaker than 90% of peers).Earnings yield 2.6% vs peers 7.9% (weaker than 90% of peers).
Is Colony Bankcorp growing?: More slowly than most of its peers. Growth scores 0/100 against 950 banks & insurance peers. Earnings per share growth -67.0% vs a peer median of 16.0% (weaker than 100% of peers).Earnings per share growth -67.0% vs peers 16.0% (weaker than 100% of peers).
How profitable is Colony Bankcorp?: Less profitable than most of its peers. Profitability scores 9/100 against 950 banks & insurance peers. Return on equity 2.8% vs a peer median of 10.7% (weaker than 90% of peers).Return on equity 2.8% vs peers 10.7% (weaker than 90% of peers).
How risky is Colony Bankcorp?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 5, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

Worth watching: Colony Bankcorp is in the bottom fifth of its sector on profitability. From 2021 to 2025, 63% of companies in that position posted a loss over the following year, against 4% for the top fifth.

	Previous quarter	Latest quarter	Change
Net income (12 months)	8.2M USD	11.1M USD	+35.1%
Free cash flow (12 months)	29.3M USD	21.7M USD	−25.9%
Cash	295.8M USD	159.6M USD	−46.0%
Shares outstanding	21.2M	21.2M	+0.3%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Return on assets (ROA)	0.7%	0.7%	0.7%	0.8%	0.8%	▼ 0.0 pts
Return on equity (ROE)	8.6%	8.5%	8.5%	8.6%	7.5%	▼ 1.0 pts
Debt to equity	0.41×	0.88×	0.94×	0.89×	0.69×	▼ 23%

CBAN price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Drawback: less profitable than most peersless profitable than peers

Drawback: growing more slowly than most peersgrowing more slowly than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #772 of 791 banks & insurance companies (bottom 3%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 21% from December 2022 to August 2026.

Colony Bankcorp had 21% more shares at August 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.Colony Bankcorp had 21% more shares at August 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.

Stock pay is large next to buybacks. Stock-based pay expense $4M vs $4M spent repurchasing shares over the 3 fiscal years to 2025.

Over three fiscal years Colony Bankcorp recorded $4M of stock-based pay expense and spent $4M repurchasing shares (repurchases can include shares withheld to cover employees' taxes).Over three fiscal years Colony Bankcorp recorded $4M of stock-based pay expense and spent $4M repurchasing shares.

Valuation signals disagree. Cheaper than 61% of peers on book value, but only 10% on earnings.

Relative to its book value, Colony Bankcorp looks cheaper than 61% of peers; relative to its earnings, cheaper than only 10%. The valuation score blends the two, so look at which measure fits this business best.

Questions investors ask about Colony Bankcorp

Is Colony Bankcorp getting weaker?

Its latest SEC filing (Aug 5, 2026) showed no major changes. Its overall score is unchanged at 9/100 since Oct 28, 2026.

How is Colony Bankcorp valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 17/100 against 950 banks & insurance peers. Book yield 90.6% vs a peer median of 79.5% (stronger than 61% of peers).Book yield 90.6% vs peers 79.5% (stronger than 61% of peers). Earnings yield 2.6% vs a peer median of 7.9% (weaker than 90% of peers).Earnings yield 2.6% vs peers 7.9% (weaker than 90% of peers).

Is Colony Bankcorp growing?

More slowly than most of its peers. Growth scores 0/100 against 950 banks & insurance peers. Earnings per share growth -67.0% vs a peer median of 16.0% (weaker than 100% of peers).Earnings per share growth -67.0% vs peers 16.0% (weaker than 100% of peers).

How profitable is Colony Bankcorp?

Less profitable than most of its peers. Profitability scores 9/100 against 950 banks & insurance peers. Return on equity 2.8% vs a peer median of 10.7% (weaker than 90% of peers).Return on equity 2.8% vs peers 10.7% (weaker than 90% of peers).

How risky is Colony Bankcorp?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Net income (12 months)

8.2M USD

11.1M USD

+35.1%

Free cash flow (12 months)

29.3M USD

21.7M USD

−25.9%

Cash

295.8M USD

159.6M USD

−46.0%

Shares outstanding

21.2M

21.2M

+0.3%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Return on assets (ROA)

0.7%

0.8%

▼ 0.0 pts

Return on equity (ROE)

8.6%

8.5%

8.6%

7.5%

▼ 1.0 pts

Debt to equity

0.41×

0.88×

0.94×

0.89×

0.69×

▼ 23%