Start here if you're new
what it is
Colony Bank lends money, gathers deposits, and sells basic banking services across Georgia, Alabama, and Florida.
how it gets paid
Last year Colony Bankcorp made $150M in revenue. commercial real estate and construction loans was the main engine at $48M, or 32% of sales.
why it's growing
Revenue grew 9.3% last year. The quarter looked huge because the bank got bigger through acquisition and pushed earnings higher at the same time.
what just happened
Revenue hit $109M, up 196% vs. prior year, while EPS jumped to $1.17.
At a glance
B balance sheet — gets the job done, barely
65/100 earnings predictability — reasonably predictable
10.6x trailing p/e — the market's not buying it — or you found a deal
2.5% dividend yield — cash in your pocket every quarter
$1.36 fy2024 eps est
xvary composite: 54/100 — below average
What they do
Colony Bank lends money, gathers deposits, and sells basic banking services across Georgia, Alabama, and Florida.
This is a local bank with scale that still fits in one state map. After the TC Bancshares deal, Colony had $3.7 billion in assets, $3.0 billion in deposits, and $2.4 billion in loans. Deposits (customer cash the bank uses to fund loans) → cheap funding → so what: your bank can lend without paying up for money every quarter.
How they make money
$150M
annual revenue · their business grew +9.3% last year
commercial and industrial loans
$42M
commercial real estate and construction loans
$48M
residential mortgage and home equity
$24M
consumer loans
$12M
deposit fees and other banking services
$24M
The products that matter
makes commercial and consumer loans
Commercial & Consumer Loans
core earnings engine
this loan book supports the bank’s core spread business and helped produce $7.8M in Q4 2025 net income with a 14.9% net margin.
14.9% margin
fees, service charges, and other banking income
Non-interest Income
$42M · 28% of revenue
this is the part of the business that does not depend directly on lending spreads, and at $42M it matters because it gives you some diversification from the $108M net interest engine.
28% of revenue
digital access for deposit and account management
Colony Online Banking
supports a $3.7B-asset bank
you need this to keep customers engaged, but there’s no evidence in this snapshot that it creates premium pricing, faster growth, or a moat.
table stakes
Key numbers
10.6x
trailing p/e
You are paying 10.6 times trailing earnings for a bank that grew annual revenue 9.3%. Cheap stock versus positive growth is the whole setup.
$248M
long-term debt
Long-term debt equals 38% of capital. Borrowed money → fixed obligations → so what: higher rates leave less room for mistakes.
2.5%
dividend yield
You get paid 2.5% while you wait, and the dividend grew 17.0% historically. Cash return → real money in your account → so what: patience is easier.
$150M
annual revenue
Annual revenue rose 9.3% vs. prior year. For a small bank, growth plus a $411 million market cap is the contrast that matters.
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 3 — safer than 50% of stocks
- price stability 80 / 100
- long-term debt $248M (38% of capital)
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for CBAN right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Revenue hit $109M, up 196% vs. prior year, while EPS jumped to $1.17.
The quarter looked huge because the bank got bigger through acquisition and pushed earnings higher at the same time. Compare that with full-year EPS of $1.36 in 2024, and you can see why one quarter alone can distort the picture.
$109M
revenue
$1.17
eps
196%
revenue growth
the number that mattered
$109 million matters most because scale is the thesis here, and that quarter showed just how much the revenue base changed after the deal.
source: company earnings report, 2026
Get this snapshot in your inbox
This page, delivered free — plus weekly updates when the numbers change. plain english, no spam.
weekly updates
earnings alerts
plain english
no spam
What could go wrong
the #1 risk is net interest pressure at a bank where 72% of revenue comes from net interest income.
high
scale gap versus Synovus
The snapshot’s direct comparison says Synovus is the clear winner on scale and profitability. That matters because smaller banks rarely outrun larger peers through force of branding alone.
If profitability stays merely average, CBAN keeps trading like an average bank.
high
interest-rate and funding sensitivity
Net interest income is $108M, or 72% of revenue. When deposit costs rise or loan yields compress, the core earnings engine takes the hit.
This risk reaches most of the income statement because the spread business is still the business.
med
limited balance-sheet cushion
A B balance sheet is workable, not exceptional, and long-term debt sits at $248M, or 38% of capital. That does not scream distress. It also does not buy much forgiveness if credit conditions worsen.
The valuation case gets thinner fast if credit losses rise or capital flexibility tightens.
med
the cheap-stock trap
At 12.2x earnings and a $411M market cap, the stock looks inexpensive. But cheap regional banks stay cheap when returns stay ordinary.
If the recent move from $0.33 to $0.42 EPS does not continue, the valuation stops looking like upside and starts looking like a warning label.
With $108M of net interest income driving 72% of revenue, the biggest risk is simple: if lending spreads tighten, the core earnings case weakens immediately.
source: institutional data · regulatory filings · risk analysis
Pay attention to
core metric
net interest income at $108M
This is 72% of revenue. If that number slips without non-interest income making up the difference, the thesis gets weaker fast.
next report
the next earnings print
Q4 EPS was $0.42 after $0.33 in Q3. You want to see whether that improvement holds or fades back into the pack.
capital returns
$12M buyback execution
Authorization is one thing. Actual repurchases are the part that matters. If management buys stock at these levels, that tells you more than a press release will.
insider signal
the 1,000-share officer purchase
Chief Banking Officer Edward G. Canup bought 1,000 shares worth $20,125 in March 2026. One buy is a clue, not a verdict. More insider buying would matter more.
Analyst rankings
earnings predictability
65 / 100
in human-speak, this bank’s earnings are decent but not dependable enough to treat every quarter as routine.
risk rank
3
That reads as middle-of-the-road risk. Not a bunker stock, not a balance-sheet dare.
source: institutional data
Institutional activity
institutional ownership data for CBAN is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$18
current price
n/a
target midpoint · n/a from current
Want the deeper analysis?
The full deep dive: dcf model, scenario analysis, competitive moat breakdown, and quarterly tracking — everything on this page, taken further.
see plans from $5/moThe deep dive