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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

Colony Bankcorp Inc. (CBAN)

Financial Services Banks - Regional
21.90 $
+0.8% vs. previous close
Closing price · As of: 31. Jul 2026
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Trading Day

Previous Close
21.80$
Open
21.80$
Day High
22.00$
Day Low
21.50$
Volume
200,910shares

Key levels of the most recently completed trading day — not a live quote.

52-Week Range

52-Week Low 52-Week High
15.90 $ 22.20 $
08/07/2025 07/28/2026

Current price 21.90 $ — 95% of the range above the low.

Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.

Basics

Market Cap
0.5$B
Shares Outstanding
21Mio.
Float
85.9%
Beta
0.6

Performance

Perf. 1M
2.80%
Perf. 3M
4.40%
Perf. 6M
13.50%
YTD Performance (%)
19.70%
52-Week-High Distance
-7.5%
Perf. 1Y
37.29%
Perf. 3Y
125.13%
Perf. 5Y
43.16%
Perf. 10Y
180.46%
Perf. Since Inception
237.66%

Technical Indicators

MA 38 Days
20.80$
MA 50 Days
20.60$
MA 200 Days
19.20$
RSI (14)
61.2
Volatility 30 Days
33.6%
Volatility 250 Days
25.6%

Calculated from the price history · as of 08/03/2026

Valuation

P/E
Forward P/E
11.0
PEG
2.1
P/B
P/S
2.4
EV/EBITDA
0.0
Price/FCF
15.6

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
22.5%
Return on Equity
8.9%
Return on Assets
1.0%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
Altman Z″
3.50
Piotroski
7 out of 9

Growth

Sales Growth Last Quarter
33.90%
EPS Growth Last Quarter
2.40%
Sales Growth (Year)
5.37%
Forward Sales Growth
4.74%
Forward EPS Growth
8.10%

Dividend

Dividend Yield
2.17%
Dividend Per Share (TTM)
0.47$
Payout Ratio
24.7%
Years Without a Cut
8Years
Increase Streak
8Years

Quality & Screener

Stage
2
RS Rating
62
EPS Rating
53
Piotroski
7 out of 9
Fundamental Rating
B (55 out of 100)
Altman Z″
3.50

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Growth Score

3 of 10 Weak growth

Ten checks against the annual reports — each one passed counts a point.

  • Revenue grows by more than 15% a year over three years 13.7% failed
  • More than 10% revenue growth is expected for the coming year 4.7% failed
  • Share count grows by less than 3% a year 1.2% passed
  • Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 1.7% failed
  • Gross margin at 40% or higher and without meaningful erosion 66.4% failed
  • Goodwill from acquisitions does not grow faster than revenue 1.7% passed
  • Net debt below twice EBITDA 0.2 x EBITDA passed
  • Operating cash flow covers the profits of the last three years -35 m failed
  • Return on capital at 15% or higher, or up versus two years ago 5.3% failed
  • Insiders hold at least 10% or are net buyers 3.9% failed

A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail

Analysts & Price Target

Current Price 21.90 $
Price Target (average) 25.00 $

The price target sits 14.2% above the current price.

Consensus
Sell
Analyst Ratings
2
Distribution of Recommendations
Strong Buy 1
Buy 0
Hold 1
Sell 0
Strong Sell 0

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Estimates by Fiscal Year

Estimates by Fiscal Year
Fiscal Year EPS Estimate ($) EPS Range ($) Revenue Estimate ($M) Expected Growth Analysts
12/31/2026 2.05 2.05 – 2.05 172 14.5% 1
12/31/2027 2.37 2.23 – 2.50 232 15.4% 2

Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.

Next Reporting Date

21. Oct 2026 · after the close · Q3 2026
Expected Earnings per Share
0.53 $

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

Revenue & Profit

Cash Flow

Balance Sheet

Margins

Per Share

Click the chart or tab into it, then use ← and → to step through the periods.

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These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.

The figures could not be loaded right now.

Sales Per Quarter ($M)
2024: Q4 · 46.3 $M Q4 2025: Q1 · 44.6 $M Q1 2025: Q2 · 46.9 $M Q2 2025: Q3 · 47.0 $M Q3 2025: Q4 · 51.7 $M Q4 2026: Q1 · 52.3 $M Q1

Source: fundamental data

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Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.42 32.70 46 8.90 16.10 -3 -4
2025: Q1 0.38 24.40 45 4.10 14.80 18 18
2025: Q2 0.46 46.30 47 9.60 17.00 16 16
2025: Q3 0.33 4.10 47 5.10 12.40 14 15
2025: Q4 0.42 -1.00 52 11.80 15.20 -54 -54
2026: Q1 0.39 2.40 52 17.40 15.70 54 54
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

Annual Figures

Annual Figures
Fiscal Year Revenue ($M) EBIT ($M) Net Income ($M) EPS ($) Operating Cash Flow ($M) Equity ($M) Total Assets ($M)
2016 54 13 9 1.02 13 93 1,210
2017 56 15 8 0.90 13 90 1,233
2018 59 15 12 1.40 15 96 1,252
2019 74 13 10 1.12 4 131 1,515
2020 87 15 12 1.24 -19 144 1,764
2021 107 23 19 1.66 36 218 2,692
2022 127 23 20 1.14 50 230 2,937
2023 161 27 22 1.24 21 255 3,053
2024 177 30 24 1.36 23 279 3,110
2025 186 35 28 1.59 -6 376 3,735

Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.

About the Company

Colony Bankcorp, Inc. ist die Bankholding der Colony Bank, die in den USA verschiedene Bankprodukte und -dienstleistungen für Privat- und Geschäftskunden anbietet.

Employees528
HeadquartersFitzgerald, GA
Address115 South Grant Street, 31750 Fitzgerald, United States
Phone229 426 6000
Websitecolony.bank
IPO Date23. Feb 1998
ISINUS19623P1012
Stock Split5:4 on 05/17/2005

Management

Management
Name Title Birth Year
T. Heath Fountain CPA CEO & Director 1975
Roy Dallis Copeland Jr. President 1969
Brian D. Schmitt Executive VP & Director 1962
Edward G. Canup Executive VP & Chief Banking Officer 1961
Derek W. Shelnutt Executive VP & CFO 1987
Daniel E. Rentz Executive VP & Chief Information Officer 1983
Laurie E. Senn Executive VP & Chief Administrative Officer 1984
Edward Lee Bagwell III Executive VP, Chief Risk Officer, General Counsel & Secretary 1967
Lawrence A. Whitley Senior VP & Chief People Officer
Walter P. Patten Executive Vice President 1951

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Insider Transactions

Insider Transactions
Date Person Role Type Shares Price Value
1. Jul 2026 Joiner Paul E III Director Other 990
1. Jul 2026 Senn Laurie CHIEF ADMINISTRATIVE OFFICER Other 2,224
1. Jul 2026 Canup Edward G CHIEF BANKING OFFICER Other 3,400
1. Jul 2026 Rentz Daniel Chief Information Officer Other 1,916
1. Jul 2026 Shelnutt Derek CFO Other 3,088
1. Jul 2026 Hollingsworth Audrey Director Other 990
1. Jul 2026 Bateman Leonard H JR EVP & Chief Credit Officer Other 3,152
1. Jul 2026 Mowry Meagan M. Director Other 990
1. Jul 2026 Reed Matthew D. Director Other 990
1. Jul 2026 Dockery Kimberly C. Chief of Staff, EVP Other 3,028

Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.

View all insider transactions →

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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