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Financials · CBAN

Colony Bankcorp Inc. (CBAN) financials

For the twelve months ended Sep 30, 2026, Colony Bankcorp Inc. reported $161.48M of revenue and $37.42M of net income.

Revenue, TTM
$161.48M
Revenue growth, YoY
+28.1%
Net income, TTM
$37.42M
Net income growth, YoY
+34.4%
Net margin
23.2%
Free cash flow, TTM
$12.38M
EPS, diluted, TTM
$1.82
EPS growth, YoY
+13.7%
Cash
$189.31M
P/E
15.06
P/S
3.49
Market cap
$563.8M
Annual revenue$132.18M
FY2016FY2025
Annual net income$28.25M
FY2016FY2025
Annual free cash flow-$6.90M
FY2016FY2025

CBAN revenue and earnings growth

CBAN revenueQ3 2026$42.64M

Quarter YoY
+30.0%
QoQ
+1.5%
FY YoY
+14.5%
5Y CAGR
+10.7%
10Y CAGR
+11.0%

CBAN revenue was $42.64M in fiscal Q3 2026 (ended Sep 30, 2026), up 30.0% from a year earlier and up 1.5% from the prior quarter. For the full fiscal 2025 it was $132.18M, up 14.5% from fiscal 2024. Compound annual growth was +10.7% over 5 years and +11.0% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CBAN net incomeQ3 2026$10.52M

Quarter YoY
+80.8%
QoQ
-3.1%
FY YoY
+18.4%
5Y CAGR
+19.0%
10Y CAGR
+12.9%

CBAN net income was $10.52M in fiscal Q3 2026 (ended Sep 30, 2026), up 80.8% from a year earlier and down 3.1% from the prior quarter. For the full fiscal 2025 it was $28.25M, up 18.4% from fiscal 2024. Compound annual growth was +19.0% over 5 years and +12.9% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CBAN EPSQ3 2026$0.50

Quarter YoY
+51.5%
QoQ
-2.0%
FY YoY
+16.9%

CBAN diluted EPS was $0.50 in fiscal Q3 2026 (ended Sep 30, 2026), up 51.5% from a year earlier and down 2.0% from the prior quarter. For the full fiscal 2025 it was $1.59, up 16.9% from fiscal 2024.

CBAN free cash flowQ3 2026$4.70M

Quarter YoY
-66.6%
QoQ
-42.4%

CBAN free cash flow was $4.70M in fiscal Q3 2026 (ended Sep 30, 2026), down 66.6% from a year earlier and down 42.4% from the prior quarter. For the full fiscal 2025 it was -$6.90M, compared with $22.32M in fiscal 2024.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$132.18M$115.45M$113.88M$115.70M$102.48M$79.49M$61.85M$50.42M$48.78M$47.66M
Interest expense--$46.67M$10.87M$4.40M$7.88M$12.64M$8.22M$6.87M$6.48M
Pre-tax income$35.13M$29.57M$27.21M$22.85M$23.15M$14.63M$12.61M$14.92M$14.53M$12.52M
Income tax$6.88M$5.70M$5.47M$3.31M$4.50M$2.81M$2.40M$3.00M$6.78M$3.85M
Net income$28.25M$23.87M$21.75M$19.54M$18.66M$11.81M$10.21M$11.92M$7.75M$8.67M
EPS, basic$1.59$1.36$1.24$1.14$1.66$1.24$1.12$1.41$0.89$0.85
EPS, diluted$1.59$1.36$1.24$1.14$1.66$1.24$1.12$1.40$0.87$0.84
Diluted shares17.8M17.6M17.6M17.2M11.3M9.5M9.1M8.5M8.6M8.5M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$257.64M$231.03M$83.32M$80.68M$197.23M$183.51M$104.09M$60.16M$57.81M$28.82M
Goodwill$63.87M$48.92M$48.92M$48.92M$52.91M$15.99M$16.48M$202.0K--
Total assets$3.74B$3.11B$3.05B$2.94B$2.69B$1.76B$1.52B$1.25B$1.23B$1.21B
Total debt$258.10M$248.04M$238.44M$203.35M$88.45M$167.08M$85.79M---
Total liabilities$3.36B$2.83B$2.80B$2.71B$2.47B$1.62B$1.38B$1.16B--
Shareholders' equity$375.92M$278.68M$254.94M$230.27M$217.71M$144.49M$130.51M$95.69M$90.32M$93.39M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow-$5.54M$23.40M$20.98M$49.74M$36.10M-$19.09M$3.88M$14.92M$12.55M$13.39M
Capital expenditures$1.35M$1.08M$3.62M$2.90M$5.84M$4.24M$3.48M$2.76M$1.34M$3.26M
Free cash flow-$6.90M$22.32M$17.36M$46.85M$30.27M-$23.34M$392.0K$12.15M$11.20M$10.13M
Investing cash flow$3.41M$101.16M-$98.75M-$448.23M-$208.33M-$130.27M$6.80M-$9.32M-$32.83M-$35.37M
Financing cash flow$28.74M$23.15M$80.41M$281.93M$185.95M$228.77M$33.26M-$3.25M$14.61M$28.55M
Dividends paid$8.04M$7.90M$7.72M$7.16M$4.46M$3.80M$2.69M$1.69M$843.9K-
Share repurchases$2.37M$1.30M$406.0K$540.0K$0-----
Stock-based compensation$785.0K$1.30M$1.70M$1.74M$599.0K$33.0K$34.0K$14.0K--
Depreciation and amortization$7.72M$8.13M$8.70M$11.63M------

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY14.5%1.4%-1.6%12.9%28.9%28.5%22.7%3.4%2.3%1.9%
Net income growth, YoY18.4%9.8%11.3%4.7%57.9%15.7%-14.3%53.7%-10.6%3.6%
EPS growth, YoY16.9%9.7%8.8%-33.9%10.7%-20.0%60.9%3.6%18.3%
Net margin21.4%20.7%19.1%16.9%18.2%14.9%16.5%23.6%15.9%18.2%
Free cash flow margin-5.2%19.3%15.2%40.5%29.5%-29.4%0.6%24.1%23.0%21.3%
Return on equity7.5%8.6%8.5%8.5%8.6%8.2%7.8%12.5%8.6%9.3%
Return on assets0.8%0.8%0.7%0.7%0.7%0.7%0.7%1.0%0.6%0.7%
Debt to equity0.690.890.940.880.411.160.66---

Source: XBRL data Colony Bankcorp Inc. files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CBAN peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CBAN$161.48M+28.1%$37.42M23.2%$563.8M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

CBAN FAQ

8 questions
  • What is CBAN revenue?
    Colony Bankcorp Inc. (CBAN) reported $161.48M of revenue for the twelve months ended Sep 30, 2026. That is up 28.1% from the year before. Revenue for fiscal 2025 was $132.18M.
  • Is CBAN profitable?
    Yes. Colony Bankcorp Inc. earned $37.42M in net income for the twelve months ended Sep 30, 2026, a net margin of 23.2%.
  • How much cash and debt does CBAN have?
    Colony Bankcorp Inc. reported $189.31M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is CBAN revenue growing?
    Colony Bankcorp Inc.'s revenue changed +14.5% in fiscal 2025, to $132.18M. Its compound annual growth rate was +10.7% over 5 years and +11.0% over 10 years.
  • What is CBAN free cash flow?
    Colony Bankcorp Inc. generated $12.38M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $15.24M less capital expenditures.
  • What is CBAN earnings per share?
    Diluted earnings per share were $1.82 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CBAN last report financial results?
    The latest statements here come from Colony Bankcorp Inc.'s 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this CBAN financial data come from?
    Quantisnow builds these statements from the structured XBRL data Colony Bankcorp Inc. files with the SEC. It is provided for information only and is not investment advice.