Colony Bankcorp Inc
CBAN NYSE· State Commercial Banks
Last close · Oct 26, 2026
$20.42
KIRA · Stoqly’s AI analyst, in plain words
- Colony Bankcorp Inc had $30.0M of revenue in fiscal 2025, down 74.0% on the year before. Over five years, revenue changed −17.7% a year on average.
- Colony Bankcorp Inc made $6.6M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew −8.4% a year.
- Colony Bankcorp Inc returned $10.4M to shareholders in fiscal 2025. The diluted share count fell 0.3%.
- It earned 2.0% on shareholders’ money. Running costs took 67.4% of revenue (the efficiency ratio; lower is better).
Market cap
$432M
P/E
46.4x
Revenue
$30.0M
Net income
$6.6M
Return on equity
2.0%
Efficiency ratio
67.4%
Colony Bankcorp Inc in 30 seconds · fiscal 2025
Are sales growing?
−74.0%
No. Sales fell 74.0% last year.
Does it make a profit?
22.0%
Yes. It keeps 22.0% of every sale as profit.
How lean are its costs?
67.4%
Costly. Running costs take 67.4% of revenue.
How much does it earn on its capital?
2.0%
Low. It earns 2.0% a year on shareholders’ money.
How is the share priced?
46.4x
One share costs 46.4 times its yearly profit per share.
What Colony Bankcorp Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- COLONY BANKCORP INC
- CIK
- 0000711669
Colony Bankcorp Inc · CBAN
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $102M | $116M | $114M | $115M | $30.0M |
| Revenue growth | 28.9% | 12.9% | −1.6% | 1.4% | −74.0% |
| Net interest income | $66.2M | $80.7M | $78.2M | $76.1M | $21.0M |
| Net income | $18.7M | $19.5M | $21.7M | $23.9M | $6.6M |
| Net margin | 18.2% | 16.9% | 19.1% | 20.7% | 22.0% |
| Diluted EPS | $1.66 | $1.14 | $1.24 | $1.36 | $0.38 |
| Cash | |||||
| Cash from operations | $36.1M | $49.7M | $21.0M | $23.4M | −$5.5M |
| Capital expenditure | $5.8M | $2.9M | $3.6M | $1.1M | $1.4M |
| Free cash flow | $30.3M | $46.8M | $17.4M | $22.3M | −$6.9M |
| FCF margin | 29.5% | 40.5% | 15.2% | 19.3% | −23.0% |
| Dividends paid | $4.5M | $7.2M | $7.7M | $7.9M | $8.0M |
| Share buybacks | $0.0M | $0.5M | $0.4M | $1.3M | $2.4M |
| Share count change | 18.5% | 52.8% | 2.3% | −0.1% | −0.3% |
| Debt and strength | |||||
| Cash and short-term investments | $197M | $80.7M | $83.3M | $231M | $258M |
| Debt incl. finance leases | $88.4M | $203M | $238M | $248M | $258M |
| Loans, net | $1.3B | $1.7B | $1.9B | $1.8B | $2.4B |
| Deposits | $2.4B | $2.5B | $2.5B | $2.6B | $3.1B |
| Shareholders' equity | $218M | $230M | $255M | $279M | $376M |
| Returns and quality | |||||
| Return on equity | 10.3% | 8.7% | 9.0% | 8.9% | 2.0% |
| Return on tangible equity | 11.9% | 11.1% | 10.8% | 10.5% | 9.3% |
| Efficiency ratio | 76.7% | 77.3% | 72.9% | 71.7% | 67.4% |
| Piotroski F-score | 5 | 4 | 3 | 4 | 3 |
Insiders bought, 12 months
$0.3M
3 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Colony Bankcorp Inc · CBAN
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $20.42 a share, the company is worth $432M: 46.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000711669). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.