Colony Bankcorp, Inc. (CBAN) Key Metrics
CBAN valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $419.5M
- Enterprise value
- $492.8M
- P/E (TTM)
- 12.0 10-yr median 11.5
- Forward P/E
- 11.0
- PEG ratio
- 2.11
- Price / sales
- 2.9 10-yr median 1.8
- Price / book
- 1.1 10-yr median 1.0
- EV / EBITDA
- — 10-yr median 7.5
- Dividend yield
- 2.43% $0.48 a year
- Beta
- 0.55
CBAN key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsCBAN valuation Price multiples at each fiscal year-end price.
CBAN returns How much profit the business earns on the capital it uses.
CBAN per-share figures Results divided by the shares outstanding at year-end.
CBAN financial health Debt, liquidity and how easily interest is covered.
CBAN efficiency & capital use Working capital cycle and where the cash goes.
CBAN valuation history
CBAN returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CBAN debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CBAN cash returned to shareholders
CBAN price vs earnings per share
CBAN key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $317.0M | $283.4M | $233.8M | $218.2M | $192.1M | $139.2M | $150.6M | $124.7M | $126.1M | $112.4M |
| Enterprise value | $322.6M | $466.6M | $39.5M | −$31.6M | −$676.6M | −$275.3M | −$208.1M | −$170.6M | −$214.3M | −$192.0M |
| P/E ratio | 11.2 | 11.9 | 10.8 | 11.2 | 10.3 | 11.8 | 14.8 | 10.5 | 16.3 | 13.0 |
| Price / sales | 1.7 | 1.6 | 1.5 | 1.7 | 1.8 | 1.6 | 2.0 | 2.1 | 2.3 | 2.1 |
| Price / book | 0.8 | 1.0 | 0.9 | 0.9 | 0.9 | 1.0 | 1.2 | 1.3 | 1.4 | 1.2 |
| Price / free cash flow | — | 12.7 | 13.5 | 4.7 | 6.3 | — | 336.3 | 10.3 | 11.3 | 11.1 |
| Price / operating cash flow | — | 12.1 | 11.1 | 4.4 | 5.3 | — | 38.3 | 8.4 | 10.0 | 8.4 |
| EV / sales | 1.7 | 2.6 | 0.2 | -0.2 | -6.3 | -3.2 | -2.8 | -2.9 | -3.9 | -3.5 |
| EV / EBITDA | 7.5 | 12.4 | 1.1 | — | — | — | — | — | — | — |
| EV / free cash flow | — | 20.9 | 2.3 | — | — | — | — | — | — | — |
| Earnings yield | 8.9% | 8.4% | 9.3% | 9.0% | 9.7% | 8.5% | 6.8% | 9.6% | 6.1% | 7.7% |
| Free cash flow yield | −2.2% | 7.9% | 7.4% | 21.5% | 15.8% | −16.8% | 0.3% | 9.7% | 8.9% | 9.0% |
| Dividend yield | 2.5% | 2.8% | 3.3% | 3.3% | 2.3% | 2.7% | 1.8% | 1.4% | 0.9% | 1.4% |
| Shareholder yield (dividends + buybacks) | 3.3% | 3.2% | 3.5% | 3.3% | 2.3% | 2.7% | 1.8% | 3.9% | 8.3% | 9.1% |
| Share price at fiscal year-end | $17.82 | $16.14 | $13.30 | $12.69 | $17.07 | $14.65 | $16.50 | $14.60 | $14.60 | $13.20 |
| Per share | ||||||||||
| Revenue per share | $10.46 | $10.06 | $9.13 | $7.36 | $9.50 | $9.20 | $8.16 | $6.87 | $6.45 | $6.36 |
| Earnings per share | $1.59 | $1.36 | $1.24 | $1.14 | $1.66 | $1.24 | $1.12 | $1.40 | $0.90 | $1.02 |
| Operating cash flow per share | −$0.31 | $1.33 | $1.19 | $2.89 | $3.21 | −$2.01 | $0.43 | $1.75 | $1.45 | $1.57 |
| Free cash flow per share | −$0.39 | $1.27 | $0.99 | $2.73 | $2.69 | −$2.46 | $0.05 | $1.42 | $1.30 | $1.19 |
| Cash per share | $14.19 | $3.69 | $24.62 | $26.36 | $85.05 | $59.41 | $49.27 | $42.56 | $47.73 | $46.85 |
| Book value per share | $21.13 | $15.87 | $14.50 | $13.39 | $19.34 | $15.21 | $14.29 | $11.21 | $10.46 | $10.97 |
| Tangible book value per share | $17.10 | $12.92 | $11.48 | $10.22 | $13.99 | $13.29 | $10.35 | $11.12 | $10.46 | $10.96 |
| Dividends per share | $0.45 | $0.45 | $0.44 | $0.42 | $0.40 | $0.40 | $0.29 | $0.20 | $0.13 | $0.19 |
| Capex per share | $0.08 | $0.06 | $0.21 | $0.17 | $0.52 | $0.45 | $0.38 | $0.32 | $0.16 | $0.38 |
| Debt per share | $14.51 | $14.13 | $13.56 | $11.83 | $7.86 | $15.78 | $9.98 | $7.99 | $8.31 | $11.10 |
| Shares outstanding | 17.8M | 17.6M | 17.6M | 17.2M | 11.3M | 9.5M | 9.1M | 8.5M | 8.6M | 8.5M |
| Change in shares outstanding | +1.3% | −0.1% | +2.3% | +52.8% | +18.5% | +4.0% | +6.9% | −1.1% | +1.4% | +0.6% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 8.6% | 8.9% | 9.0% | 8.7% | 10.3% | 8.6% | 9.0% | 12.8% | 8.4% | 9.2% |
| Return on invested capital (ROIC) | 6.7% | 9.1% | 105.7% | — | — | — | — | — | — | — |
| Return on assets (ROA) | 0.8% | 0.8% | 0.7% | 0.7% | 0.8% | 0.7% | 0.7% | 1.0% | 0.6% | 0.7% |
| Return on tangible assets | 0.8% | 0.8% | 0.7% | 0.7% | 0.7% | 0.7% | 0.7% | 1.0% | 0.6% | 0.7% |
| Free cash flow margin | −3.7% | 12.6% | 10.8% | 37.0% | 28.3% | −26.7% | 0.6% | 20.7% | 20.1% | 18.7% |
| Income quality (OCF / net income) | −0.20 | 0.98 | 0.96 | 2.55 | 1.93 | −1.62 | 0.39 | 1.25 | 1.62 | 1.54 |
| Financial health | ||||||||||
| Total debt | $258.1M | $248.0M | $238.4M | $203.4M | $88.4M | $149.9M | $91.1M | $68.2M | $71.7M | $94.5M |
| Cash & short-term investments | $252.5M | $64.8M | $432.7M | $453.1M | $957.1M | $564.3M | $449.8M | $363.4M | $412.1M | $398.8M |
| Net debt | $5.6M | $183.2M | −$194.3M | −$249.8M | −$868.7M | −$414.4M | −$358.7M | −$295.2M | −$340.3M | −$304.4M |
| Debt / equity | 0.69 | 0.89 | 0.94 | 0.88 | 0.41 | 1.04 | 0.70 | 0.71 | 0.79 | 1.01 |
| Debt / assets | 0.07 | 0.08 | 0.08 | 0.07 | 0.03 | 0.08 | 0.06 | 0.05 | 0.06 | 0.08 |
| Net debt / EBITDA | 0.13 | 4.86 | −5.41 | −7.24 | −27.33 | −20.23 | −23.14 | −17.62 | −19.31 | −19.33 |
| Current ratio | 0.08 | 0.03 | 0.17 | 0.18 | 0.40 | 106.21 | 84.67 | 0.33 | 0.39 | 25.84 |
| Quick ratio | 0.08 | 0.03 | 0.17 | 0.18 | 0.40 | 106.03 | 84.42 | 0.33 | 0.38 | 25.33 |
| Interest coverage | 0.6 | 0.5 | 0.6 | 2.1 | 5.3 | 1.9 | 1.0 | 1.8 | 2.1 | 1.9 |
| Working capital | −$2.82B | −$2.50B | −$2.11B | −$2.04B | −$1.42B | $559.0M | $444.5M | −$721.7M | −$655.9M | $311.1M |
| Invested capital | $381.5M | $461.9M | $60.7M | −$19.5M | −$651.0M | −$269.9M | −$228.2M | −$199.5M | −$250.0M | −$211.0M |
| Tangible asset value | $304.2M | $226.8M | $201.8M | $175.7M | $157.4M | $126.2M | $94.5M | $94.9M | $90.3M | $93.3M |
| Net current asset value | −$3.11B | −$2.77B | −$2.37B | −$2.25B | −$1.52B | −$1.06B | −$935.0M | −$792.7M | −$730.4M | −$793.4M |
| Graham number | $27.48 | $22.03 | $20.09 | $18.51 | $26.86 | $20.63 | $18.97 | $18.76 | $14.54 | $15.86 |
| Graham net-net per share | −$174.00 | −$157.55 | −$134.59 | −$131.05 | −$134.77 | −$28.33 | −$102.34 | −$92.73 | −$84.35 | −$83.99 |
| Capital allocation | ||||||||||
| Dividends paid | $8.0M | $7.9M | $7.7M | $7.2M | $4.5M | $3.8M | $2.7M | $1.7M | $1.2M | $1.6M |
| Share buybacks (net) | $2.4M | $1.3M | $406,000 | $0 | — | — | — | $3.2M | $9.4M | $8.7M |
| Dividend payout ratio | 28.5% | 33.1% | 35.5% | 36.6% | 23.9% | 32.2% | 26.4% | 14.2% | 15.0% | 18.3% |
| Dividends + buybacks / free cash flow | — | 41.2% | 46.8% | 15.3% | 14.7% | — | 600.9% | 40.0% | 93.9% | 101.2% |
| Capex / revenue | 0.7% | 0.6% | 2.3% | 2.3% | 5.5% | 4.9% | 4.7% | 4.7% | 2.4% | 6.0% |
| Capex / operating cash flow | — | 4.6% | 17.2% | 5.8% | 16.2% | — | 88.6% | 18.5% | 10.7% | 24.3% |
| Capex / depreciation | 0.18 | 0.13 | 0.42 | 0.25 | 0.68 | 0.72 | 1.31 | 1.51 | 0.43 | 1.01 |
| Stock-based compensation / revenue | 0.4% | 0.7% | 1.1% | 1.4% | 0.6% | 0.0% | 0.0% | 0.0% | 0.3% | 1.7% |
| SG&A / revenue | 1.9% | 30.4% | 32.8% | 44.6% | 45.1% | 41.5% | 37.9% | 34.9% | 42.6% | 42.5% |
| Efficiency | ||||||||||
| Days sales outstanding | 30.2 | — | — | — | — | 4,375.6 | — | — | — | — |
| Days of inventory on hand | — | — | — | 11.9 | 46.1 | 29.4 | 42.0 | 132.1 | 268.8 | 369.5 |
| Days payables outstanding | — | — | — | 62,379.6 | 136,763.5 | 34,624.8 | 31,601.1 | 46,634.6 | 53,079.6 | 49,726.6 |
| Cash conversion cycle (days) | — | — | — | — | — | -30,219.8 | — | — | — | — |
| Receivables turnover | 12.08 | — | — | — | — | 0.08 | — | — | — | — |
| Payables turnover | — | — | — | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Inventory turnover | — | — | — | 30.55 | 7.92 | 12.41 | 8.69 | 2.76 | 1.36 | 0.99 |
| Asset turnover | 0.05 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Average receivables | $15.4M | — | — | — | — | $1.05B | — | — | — | — |
| Average payables | — | — | — | $2.43B | $1.91B | $1.37B | $1.19B | $1.08B | $1.06B | $1.03B |
| Average inventory | — | — | — | $466,000 | $643,500 | $1.2M | $1.6M | $3.0M | $5.3M | $7.6M |
| Intangibles / total assets | 1.9% | 1.7% | 1.7% | 1.9% | 2.2% | 1.0% | 2.4% | 0.1% | 0.0% | 0.0% |
Computed from CBAN's annual financial statements (latest annual report filed March 13, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
CBAN valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Colony Bankcorp traded at 11.2 times earnings, against a 10-year median of 11.5. Based on the latest twelve months, the trailing P/E is 12.0 and the forward P/E is 11.0. Colony Bankcorp earned a return on equity of 8.6% and a return on invested capital of 6.7% in fiscal 2025. It ended the year with $258.1 million of debt and $252.5 million in cash and short-term investments, net debt of $5.6 million. It returned $10.4 million to shareholders: $8.0 million in dividends and $2.4 million in share buybacks. The share count rose 109.0% from 8.5M to 17.8M over 9 years.
See the CBAN income statement, the CBAN chart for price history, or the CBAN stock overview for the latest quote and news.
CBAN key metrics FAQ
What is Colony Bankcorp's P/E ratio?
Colony Bankcorp's trailing P/E ratio is 12.0 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 11.0. At the end of fiscal 2025 it was 11.2, compared with a 10-year median of 11.5.
What is Colony Bankcorp's EV/EBITDA?
Colony Bankcorp's enterprise value was 7.5 times EBITDA at the end of fiscal 2025 (enterprise value $322.6 million, EBITDA $42.9 million).
What is Colony Bankcorp's return on equity?
Colony Bankcorp's return on equity (ROE) was 8.6% in fiscal 2025: net income of $28.3 million on average shareholders' equity of $327.3 million.
What is Colony Bankcorp's ROIC?
Colony Bankcorp's return on invested capital was 6.7% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Colony Bankcorp have?
Colony Bankcorp had total debt of $258.1 million at the end of fiscal 2025, a debt-to-equity ratio of 0.69 and $5.6 million of net debt (0.13 times EBITDA).
What is Colony Bankcorp's dividend yield?
Colony Bankcorp's forward dividend yield is 2.43%. Colony Bankcorp paid $8.0 million in dividends in fiscal 2025 ($0.45 per share), a payout ratio of 28.5%.
Does Colony Bankcorp buy back its shares?
Yes. Colony Bankcorp spent $2.4 million on net share repurchases in fiscal 2025 Shares outstanding changed +1.3% over the year, to 17.8M..
What is Colony Bankcorp's free cash flow yield?
Colony Bankcorp generated -$6.9 million of free cash flow in fiscal 2025, a free cash flow yield of −2.2% on its market value at year-end ($317.0 million).
What is Colony Bankcorp's current ratio?
Colony Bankcorp's current ratio was 0.08 at the end of fiscal 2025: current assets were 0.08 times current liabilities.