Colony Bankcorp, Inc. (CBAN) AI Stock Analysis

Colony Bankcorp, Inc. serves as the holding company for Colony Bank, offering diverse banking products and services to commercial enterprises and individual consumers. Established in 1975 and based in Fitzgerald, Georgia, the company operates 39 locations across Georgia. Core deposit products include demand deposits, savings accounts, and time deposits. Its lending portfolio covers small and medium-sized business loans, residential and commercial construction, land development, commercial real estate, agri-business, residential mortgages, home equity, and consumer loans. It also provides internet banking, bill payment, safe deposit boxes, telephone banking, debit and credit cards, and remote deposit capture.

Colony Bankcorp grew annual revenue from $106.9M in FY2021 to $186.1M in FY2025, representing a 5-year CAGR of 16.3%. Net income rose from $18.7M in FY2021 to $28.3M in FY2025, with EPS moving from $1.99 to $1.79 over the period after reaching $1.28 in FY2022. Operating margin stood at 18.9% in FY2025, compared to 21.7% in FY2021. For the trailing twelve months, revenue was $145.4M with a net profit margin of 22.5% and an operating margin of 36.5%. In the latest quarter ended June 30, 2026, quarterly revenue grew 25.3% year-over-year while quarterly earnings expanded 11.5%.

As of June 30, 2026, Colony Bankcorp held $25.3M in cash and short-term investments against total debt of $233.2M, resulting in net debt of $207.9M. Total assets stood at $3.63B and shareholders' equity reached $390.0M, yielding a debt-to-equity ratio of 0.60 and a current ratio of 0.42. During FY2025, operating cash flow was -$5.5M and free cash flow was -$6.9M. Capital allocation in FY2025 included $1.4M in capital expenditures, $2.4M deployed to share buybacks, and $8.0M paid out in dividends.

Colony Bankcorp trades at a trailing P/E of 12.0x, in line with the 12.1x median of its US-listed Financial Services peers. Its forward P/E of 11.0x slightly exceeds the peer median of 10.8x, while its price-to-sales of 2.9x is below the peer median of 3.2x. The stock trades at a price-to-book ratio of 1.1x and has an enterprise value of $492.8M. Over the past year, the shares returned 26.9%, outperforming the S&P 500 return of 16.8%, though its 5-year return of 23.5% trailed the S&P 500 return of 83.0%.

Colony Bankcorp pays a quarterly dividend with an annual forward payout of $0.48 per share, representing a dividend yield of 2.40%. The company has paid dividends for 10 consecutive years, delivering a 5-year annualized dividend growth rate of 2.8%. Its payout ratio stands at 24.7%, and the most recent ex-dividend date was August 5, 2026.

Wall Street coverage consists of 2 Strong Buy ratings, with zero Buy, Hold, Sell, or Strong Sell recommendations. The mean price target of $25.12 implies 27.1% upside from the last close of $19.77. For the fiscal year ending December 31, 2026, analysts estimate EPS of $2.02 on revenue of $171.4M. Colony Bankcorp beat EPS estimates in 2 of the last 4 quarters, and its next earnings release is scheduled for October 28, 2026.

This page is an AI-written research summary of Colony Bankcorp, Inc. (CBAN). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: CBAN income statement, CBAN balance sheet, CBAN key metrics, CBAN analyst forecast, CBAN chart. See the CBAN stock overview for the latest quote and news.