Colony Bankcorp (CBAN) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Colony Bankcorp

NYSE•Financial Services•Banks - Regional

$21.460.00(0.00%)After hours

Market Cap

$442.67M

P/E

13.5x

P/S

2.1x

P/B

1.1x

Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to retail and commercial customers in the United States. It operates through Bank, Mortgage Banking, and Small Business Specialty Lending Division segments. The company offers deposit products, including checking, savings, money market, and other deposit options; and treasury solutions, merchant services, and other financial tools that support businesses in managing cash flow and operational efficiency. It also provides loans to small and medium-sized businesses; residential and commercial construction, and land development loans; commercial real estate loans; commercial loans; agri-business and production loans; residential mortgage loans; home equity loans and lines of credit; consumer loans; financing for marine and recreational vehicles; and small business administration and other government guaranteed loans. In addition, the company offers wealth management, consumer insurance, internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, and remote depository products, as well as access to a network of ATMs. Further, it provides health savings accounts, student savings, retirement and educational accounts, and certificates of deposit; financial advisory services; lot and small acreage loans, auto loans, working capital loans, USDA loan programs, healthcare lending, and equipment loans, as well as boat, RV, and ATV loans; agriculture lending for equipment, livestock, farmland, and crop production; homeowners, fixed life, auto, boat, renters, condo, ATV, motorcycle, and business insurance; liquidity management; and digital banking, mobile deposit, e-statements, and e-alerts services. Colony Bankcorp, Inc. was founded in 1975 and is headquartered in Fitzgerald, Georgia.

How this company scores

WeakMetricSide Score: 75/100

Grade capped at D — Interest coverage below 1× (1.0x) — earnings cannot cover interest. Strongest: Growth (22/25); weakest: Cash & Earnings Quality (14/25).

Profitability21/25

Growth22/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality14/25

Strengths

Growing revenueStrong marginsRising earningsLow leverage

Grade capped at D

Interest coverage below 1× (1.0x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.5x5y range 7.9x – 15.6x

Currently near its 20-quarter median.

P/S · 2.1x5y range 1.2x – 2.7x

Currently above its 20-quarter median.

P/B · 1.1x5y range 0.7x – 1.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Share Dilution

Red Flag

Shares outstanding increased 20.3% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $442.67M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $212.25M
Q. Revenue: $57.94M
TTM EBITDA: $61.08M
TTM Op. Income: $47.20M
Q. Op. Income: $15.60M
TTM Net Income: $32.72M
Q. Net Income: $10.86M
EPS: $0.51
Shares Out.: $21.16M

$212.25M in TTM revenue grew 16.3% YoY, reaching $57.94M last quarter. TTM EBITDA of $61.08M and TTM operating income of $47.20M show growth is flowing through to the bottom line. TTM net income of $32.72M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 72.5%
EBITDA Margin: 31.9%
Op. Margin: 26.9%
Net Margin: 18.7%

Op. margin of 26.9% is up 4.6% YoY — cost efficiency is improving. Net margin at 18.7% and gross margin of 72.5% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.5x
P/S Ratio: 2.1x
P/B Ratio: 1.1x

At 13.5x P/E, the stock trades below typical market levels. P/S of 2.1x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 30% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.63B
Cash: $159.62M
Long-Term Debt: $63.18M
Book Value: $389.97M
D/E Ratio: 0.2
Debt/EBITDA: 3.4

With $3.63B in assets and $63.18M in long-term debt, D/E is 0.2and book value is $389.97M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $9.12M
TTM Free Cash Flow: $21.74M
FCF Margin: 10.2%
FCF / Net Income: 0.7

TTM FCF of $21.74M on $9.12M in operating cash flow. The FCF / Net Income ratio of 0.7x means cash covers only part of net income — earnings quality needs attention. Over the past year, free cash flow is down 56% — a weakening trend.