Colony Bankcorp, Inc. (CBAN) Income Statement
CBAN 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCBAN revenue and net income
Where CBAN's revenue goes
2025Each bar shows an amount and its share of revenue. CBAN kept 15.2% of revenue as net income.
CBAN profit margins
CBAN growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +5.4% | +13.7% | +16.3% | +13.3% |
| Gross profit | +9.9% | +3.2% | +11.1% | +10.4% |
| Operating income | +18.8% | +15.4% | +19.2% | +11.2% |
| Net income | +18.4% | +13.1% | +19.0% | +12.9% |
| EPS (diluted) | +22.6% | +11.8% | +7.1% | +9.7% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CBAN quarterly EPS vs estimates
Colony Bankcorp beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: October 28, 2026 (estimate $0.51).
CBAN income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $186.1M | $176.6M | $160.6M | $126.6M | $106.9M | $87.4M | $74.5M | $58.6M | $55.7M | $54.1M |
| Cost of revenue | $62.6M | $64.2M | $50.3M | $14.2M | $5.1M | $14.4M | $13.7M | $8.4M | $7.3M | $7.5M |
| Gross profit | $123.6M | $112.4M | $110.3M | $112.3M | $101.8M | $72.9M | $60.7M | $50.2M | $48.4M | $46.6M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $3.5M | $53.8M | $52.7M | $56.5M | $48.3M | $36.3M | $28.2M | $20.5M | $23.7M | $23.0M |
| Total operating expenses | $88.4M | $82.8M | $83.1M | $89.5M | $78.6M | $58.3M | $48.1M | $35.3M | $33.9M | $34.1M |
| Operating income | $35.1M | $29.6M | $27.2M | $22.9M | $23.2M | $14.6M | $12.6M | $14.9M | $14.5M | $12.5M |
| Interest income | $150.0M | $137.2M | $124.9M | $91.5M | $70.6M | $63.1M | $60.3M | $48.8M | $45.8M | $44.5M |
| Interest expense | $58.1M | $61.2M | $46.7M | $10.9M | $4.4M | $7.9M | $12.6M | $8.2M | $6.9M | $6.5M |
| Income before taxes | $35.1M | $29.6M | $27.2M | $22.9M | $23.2M | $14.6M | $12.6M | $14.9M | $14.5M | $12.5M |
| Income taxes | $6.9M | $5.7M | $5.5M | $3.3M | $4.5M | $2.8M | $2.4M | $3.0M | $6.8M | $3.9M |
| Net income | $28.3M | $23.9M | $21.7M | $19.5M | $18.7M | $11.8M | $10.2M | $11.9M | $7.8M | $8.7M |
| EBITDA | $42.9M | $37.7M | $35.9M | $34.5M | $31.8M | $20.5M | $15.5M | $16.8M | $17.6M | $15.7M |
| EPS (diluted) | $1.79 | $1.46 | $1.29 | $1.28 | $1.99 | $1.27 | $1.13 | $1.40 | $1.10 | $0.94 |
| Gross margin | 66.4% | 63.6% | 68.7% | 88.8% | 95.2% | 83.5% | 81.6% | 85.6% | 86.9% | 86.1% |
| Operating margin | 18.9% | 16.7% | 16.9% | 18.1% | 21.7% | 16.7% | 16.9% | 25.4% | 26.1% | 23.1% |
| Net margin | 15.2% | 13.5% | 13.5% | 15.4% | 17.5% | 13.5% | 13.7% | 20.3% | 13.9% | 16.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $7.9M | $52.3M | $51.7M | $47.0M | $46.9M | $44.6M | $46.3M | $44.7M | $42.8M | $42.8M | $42.5M | $42.3M |
| Cost of revenue | $17.4M | $17.4M | $14.8M | $15.1M | $14.9M | $16.1M | $16.2M | $16.8M | $15.6M | $15.7M | $15.8M | $14.0M |
| Gross profit | −$9.5M | $34.9M | $36.9M | $31.9M | $32.0M | $28.5M | $30.1M | $27.9M | $27.3M | $27.1M | $26.7M | $28.3M |
| Sales, general & admin | $939,000 | $1.1M | $15.5M | $14.7M | $13.8M | $12.7M | $14.0M | $13.6M | $13.2M | $13.0M | $12.4M | $12.7M |
| Total operating expenses | $939,000 | $24.4M | $25.7M | $24.6M | $22.0M | $20.2M | $21.3M | $20.8M | $20.3M | $20.4M | $19.6M | $20.9M |
| Operating income | −$10.5M | $10.5M | $11.2M | $7.3M | $10.0M | $8.3M | $8.9M | $7.0M | $6.9M | $6.7M | $7.1M | $7.5M |
| Interest income | $45.8M | $44.9M | $40.7M | $36.9M | $36.8M | $35.5M | $36.0M | $34.6M | $33.3M | $33.3M | $33.2M | $32.6M |
| Interest expense | $15.9M | $15.7M | $14.8M | $14.2M | $14.4M | $14.6M | $15.5M | $16.1M | $14.9M | $14.7M | $14.3M | $13.0M |
| Income before taxes | $13.7M | $10.5M | $9.6M | $7.3M | $10.0M | $8.3M | $8.9M | $7.0M | $6.9M | $6.7M | $7.1M | $7.5M |
| Income taxes | $2.8M | $2.3M | $1.7M | $1.5M | $2.1M | $1.7M | $1.4M | $1.4M | $1.5M | $1.4M | $1.5M | $1.7M |
| Net income | $10.9M | $8.2M | $7.8M | $5.8M | $8.0M | $6.6M | $7.4M | $5.6M | $5.5M | $5.3M | $5.6M | $5.8M |
| EBITDA | −$7.6M | $13.7M | $13.5M | $9.1M | $11.8M | $10.1M | $10.9M | $8.9M | $9.2M | $8.7M | $9.1M | $9.6M |
| EPS (diluted) | $0.52 | $0.45 | $0.48 | $0.47 | $0.46 | $0.38 | $0.44 | $0.35 | $0.34 | $0.33 | $0.31 | $0.34 |
| Gross margin | −120.6% | 66.7% | 71.3% | 67.9% | 68.3% | 63.9% | 65.1% | 62.4% | 63.6% | 63.4% | 62.8% | 67.0% |
| Operating margin | −132.5% | 20.0% | 21.6% | 15.5% | 21.4% | 18.6% | 19.1% | 15.7% | 16.2% | 15.8% | 16.7% | 17.6% |
| Net margin | 137.3% | 15.7% | 15.2% | 12.4% | 17.0% | 14.8% | 16.1% | 12.6% | 12.8% | 12.5% | 13.2% | 13.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CBAN's financial statements (latest annual report filed March 13, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CBAN financial results
In fiscal year 2025 (ended December 31, 2025), Colony Bankcorp reported revenue of $186.1 million, up 5.4% from the year before. It had net income of $28.3 million (up 18.4%), a net profit margin of 15.2%. Diluted earnings per share came to $1.79. Over five years revenue grew at an average rate of 16.3% a year.
See the CBAN stock overview for the latest quote and news, or the CBAN chart for price history and technical indicators.
CBAN income statement FAQ
What is Colony Bankcorp's annual revenue?
Colony Bankcorp reported total revenue of $186.1 million for fiscal year 2025, which ended on December 31, 2025. That was up 5.4% from $176.6 million the previous year.
Is Colony Bankcorp profitable?
Yes. Colony Bankcorp reported net income of $28.3 million in fiscal 2025, a net profit margin of 15.2%; its operating margin was 18.9%.
What is Colony Bankcorp's gross margin?
Colony Bankcorp's gross margin was 66.4% in fiscal 2025: for every $100 of revenue, Colony Bankcorp kept $66 after the direct cost of its products and services.
How fast is Colony Bankcorp growing?
Revenue grew 16.3% a year on average over the last five fiscal years, from $87.4 million to $186.1 million.
What are Colony Bankcorp's earnings per share?
Colony Bankcorp earned $1.79 per diluted share in fiscal 2025, compared with $1.46 a year earlier.
When will Colony Bankcorp report its next earnings?
Colony Bankcorp is expected to report results for the quarter ending September 30, 2026 on October 28, 2026 after the market closes.
When does Colony Bankcorp's fiscal year end?
Colony Bankcorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 13, 2026.