Colony Bankcorp Inc
CBAN—
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Colony Bankcorp Inc AI Insights
Informational only. Not investment advice.Snapshot
- Net margin TTM 22.1% vs industry median 0% - exceptional profitability for regional bank generating 27.8M net income on 126M revenue[Net Margin TTM]
- Goodwill 50.9M is 17% of equity (302M) - manageable intangible risk vs peers with 87%+ exposure[Goodwill]
- FCF TTM 43.6M with capex only 1.3M (1% of revenue) - capital-light model funds 0.46/share dividend[Free Cash Flow TTM]
Watch Triggers
- Interest Expense TTM: Exceeds 50% of revenue (currently 47%) — Signals margin erosion that could eliminate profitability advantage
- Net Margin TTM: Falls below 15% — Would indicate rate environment overwhelming operating leverage
- Debt to Equity: Rises above 0.75 (currently 0.61) — Balance sheet stress would limit dividend sustainability
Bull Case
P/E 11.5x vs industry median 14.5x with 22% net margin - 20% discount despite superior profitability and 4% dividend yield
PE RatioNet Margin TTMDividends Paid Per Share TTM
FCF conversion 157% of net income (43.6M vs 27.8M) with minimal capex enables sustained shareholder returns
Free Cash Flow TTMCapital Expenditure TTM
Bear Case
Interest expense 2.1x net income (58.7M vs 27.8M) - highly rate-sensitive; 100bp increase could halve earnings
Interest Expense TTMNet Income TTM
5Y revenue CAGR 8.9% vs industry median 5.7% but ROA 0.9% trails median 1.7% - growth not translating to asset efficiency
Total Revenue 5Y GrowthROA TTM
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
45%
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Forward Thesis
Margin compression likely as interest expense (58.7M TTM) exceeds net income (27.8M)
1-3ymed
- Interest expense 47% of revenue vs 7% industry median
- Net debt 159.7M on 185M total debt
- ROA 0.9% below industry median 1.7%
Interest expense TTM 58.7MNet margin 22% vulnerable to rate pressureDebt/equity 0.61
Valuation Context
Caveats
Public Strategies Rankings
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CBAN Fundamentals
Management of Companies and Enterprises → Management of Companies and Enterprises
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$341.2M | — | ||
$500.91M | — | ||
12 | — | ||
$126.05M | +11.7% | — | |
$1.59 | +28.9% | — | |
0% | — | ||
22.1% | +2.6% | — | |
$43.61M | +39.5% | — | |
9.63% | +1.1% | — | |
Beta 5Y (Monthly) | unknown | — |
CBAN Dividend History
75 dividends
2026
$0.120002/11/26$0.1200
2025
$0.460011/05/25$0.1150
08/06/25$0.1150
05/07/25$0.1150
02/05/25$0.1150
2024
$0.450011/06/24$0.1125
08/07/24$0.1125
05/07/24$0.1125
02/06/24$0.1125
2023
$0.440011/07/23$0.1100
08/08/23$0.1100
05/09/23$0.1100
02/08/23$0.1100
2022
$0.430011/03/22$0.1075
08/04/22$0.1075
05/05/22$0.1075
02/03/22$0.1075
2021
$0.410011/02/21$0.1025
08/02/21$0.1025
04/30/21$0.1025
01/28/21$0.1025
2020
$0.400010/29/20$0.1000
08/06/20$0.1000
05/07/20$0.1000
01/30/20$0.1000
2019
$0.300010/30/19$0.0750
07/30/19$0.0750
04/29/19$0.0750
01/29/19$0.0750
2018
$0.200010/29/18$0.0500
08/30/18$0.0500
06/01/18$0.0500
03/02/18$0.0500
2017
$0.100012/04/17$0.0250
08/30/17$0.0250
05/31/17$0.0250
02/27/17$0.0250
2009
$0.146206/26/09$0.0488
03/27/09$0.0975
2008
$0.390012/29/08$0.0975
09/26/08$0.0975
06/26/08$0.0975
03/27/08$0.0975
2007
$0.365012/27/07$0.0950
09/26/07$0.0925
06/27/07$0.0900
03/28/07$0.0875
2006
$0.325012/27/06$0.0850
09/27/06$0.0825
06/28/06$0.0800
03/29/06$0.0775
2005
$0.285012/28/05$0.0750
09/28/05$0.0720
06/28/05$0.0700
03/29/05$0.0680
2004
$0.252012/29/04$0.0660
09/28/04$0.0640
06/28/04$0.0620
03/29/04$0.0600
2003
$0.242012/29/03$0.0580
09/26/03$0.0560
06/26/03$0.0680
03/27/03$0.0600
2002
$0.220012/27/02$0.0600
09/26/02$0.0560
06/26/02$0.0560
03/26/02$0.0480
2001
$0.192012/27/01$0.0480
09/26/01$0.0480
06/27/01$0.0480
03/28/01$0.0480
2000
$0.152012/27/00$0.0480
09/27/00$0.0360
06/28/00$0.0360
03/29/00$0.0320
CBAN Stock Splits
1 stock split
05/17/050.8:1 split
CBAN SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/07/25 | 09/30/25 | 10-Q | |
08/08/25 | 06/30/25 | 10-Q | |
05/09/25 | 03/31/25 | 10-Q | |
03/14/25 | 12/31/24 | 10-K | |
11/08/24 | 09/30/24 | 10-Q | |
08/08/24 | 06/30/24 | 10-Q | |
05/09/24 | 03/31/24 | 10-Q | |
03/14/24 | 12/31/23 | 10-K | |
11/08/23 | 09/30/23 | 10-Q | |
08/09/23 | 06/30/23 | 10-Q | |
05/10/23 | 03/31/23 | 10-Q | |
03/16/23 | 12/31/22 | 10-K | |
11/10/22 | 09/30/22 | 10-Q | |
08/12/22 | 06/30/22 | 10-Q | |
05/13/22 | 03/31/22 | 10-Q | |
03/18/22 | 12/31/21 | 10-K | |
11/12/21 | 09/30/21 | 10-Q | |
08/13/21 | 06/30/21 | 10-Q | |
05/17/21 | 03/31/21 | 10-Q | |
03/23/21 | 12/31/20 | 10-K | |
11/09/20 | 09/30/20 | 10-Q | |
08/10/20 | 06/30/20 | 10-Q | |
05/15/20 | 03/31/20 | 10-Q | |
03/30/20 | 12/31/19 | 10-K | |
11/07/19 | 09/30/19 | 10-Q | |
07/30/19 | 06/30/19 | 10-Q | |
05/08/19 | 03/31/19 | 10-Q | |
03/15/19 | 12/31/18 | 10-K | |
11/02/18 | 09/30/18 | 10-Q | |
08/03/18 | 06/30/18 | 10-Q | |
05/04/18 | 03/31/18 | 10-Q | |
03/15/18 | 12/31/17 | 10-K | |
10/31/17 | 09/30/17 | 10-Q | |
08/02/17 | 06/30/17 | 10-Q | |
05/02/17 | 03/31/17 | 10-Q | |
03/10/17 | 12/31/16 | 10-K | |
11/01/16 | 09/30/16 | 10-Q | |
08/02/16 | 06/30/16 | 10-Q | |
05/05/16 | 03/31/16 | 10-Q | |
03/10/16 | 12/31/15 | 10-K | |
11/02/15 | 09/30/15 | 10-Q | |
08/03/15 | 06/30/15 | 10-Q | |
05/04/15 | 03/31/15 | 10-Q | |
03/10/15 | 12/31/14 | 10-K | |
11/03/14 | 09/30/14 | 10-Q | |
08/04/14 | 06/30/14 | 10-Q | |
05/05/14 | 03/31/14 | 10-Q | |
03/14/14 | 12/31/13 | 10-K | |
11/04/13 | 09/30/13 | 10-Q | |
08/05/13 | 06/30/13 | 10-Q | |
05/06/13 | 03/31/13 | 10-Q | |
03/12/13 | 12/31/12 | 10-K | |
11/05/12 | 09/30/12 | 10-Q | |
08/06/12 | 06/30/12 | 10-Q | |
05/07/12 | 03/31/12 | 10-Q | |
03/15/12 | 12/31/11 | 10-K | |
11/10/11 | 09/30/11 | 10-Q | |
08/12/11 | 06/30/11 | 10-Q | |
05/13/11 | 03/31/11 | 10-Q | |
03/15/11 | 12/31/10 | 10-K | |
11/12/10 | 09/30/10 | 10-Q | |
08/13/10 | 06/30/10 | 10-Q | |
05/14/10 | 03/31/10 | 10-Q | |
03/15/10 | 12/31/09 | 10-K | |
11/06/09 | 09/30/09 | 10-Q | |
08/07/09 | 06/30/09 | 10-Q | |
05/08/09 | 03/30/09 | 10-Q | |
03/13/09 | 12/31/08 | 10-K | |
11/07/08 | 09/30/08 | 10-Q | |
08/08/08 | 06/30/08 | 10-Q | |
05/09/08 | 03/30/08 | Unknown | -- |
03/14/08 | 12/31/07 | 4 | |
11/07/07 | 09/30/07 | 10-Q | |
08/08/07 | 06/30/07 | 10-Q | |
05/09/07 | 03/30/07 | Unknown | -- |
03/15/07 | 12/31/06 | 10-K | |
11/08/06 | 09/30/06 | 10-Q | |
08/07/06 | 06/30/06 | 10-Q | |
05/09/06 | 03/30/06 | Unknown | -- |
03/15/06 | 12/31/05 | 10-K | |
11/07/05 | 09/30/05 | 10-Q | |
08/05/05 | 06/30/05 | 10-Q | |
05/10/05 | 03/30/05 | Unknown | -- |
03/15/05 | 12/31/04 | 10-K | |
11/05/04 | 09/30/04 | 10-Q | |
08/04/04 | 06/30/04 | 10-Q | |
05/13/04 | 03/30/04 | Unknown | -- |
03/19/04 | 12/31/03 | 10-K | |
11/12/03 | 09/30/03 | 4 | |
08/13/03 | 06/30/03 | 10-Q | |
05/12/03 | 03/30/03 | Unknown | -- |
03/21/03 | 12/31/02 | 10-K | |
11/13/02 | 09/30/02 | 10-Q | |
08/13/02 | 06/30/02 | 10-Q | |
05/13/02 | 03/30/02 | Unknown | -- |
03/28/02 | 12/31/01 | 10-K405 | |
11/13/01 | 09/30/01 | 10-Q | |
08/10/01 | 06/30/01 | 10-Q | |
05/11/01 | 03/30/01 | Unknown | -- |
03/30/01 | 12/31/00 | 10-K405 | |
11/13/00 | 09/30/00 | 10-Q | |
08/11/00 | 06/30/00 | 10-Q | |
05/09/00 | 03/30/00 | Unknown | -- |