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COLONY BANKCORP

CBANNYSE
πŸ† #3085 by market capEarnings Oct 15US Equity
$921.42β–² $46.81 (+5.08%)
Simulated price
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🏦Market Cap
$438M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+5.4%
Slowing
πŸ“ŠGross Margin
59.2%
Healthy
πŸ’΅FCF Margin
14.2%
Healthy
βš–οΈP/S Ratio
2.8x
Cheap
Otter Score
64
Fair
No chart data available for CBAN.

Trading Snapshot

Day Range
$907.58 – $925.55
52-Week Range
$15.80 – $22.46
Volume
$3.09B
Avg Volume
$3.91B
Shares Outstanding
21.2M
Next Earnings
Dec 15, 2026

Fundamentals Snapshot

Annual Revenue
$186M
Last Q Revenue
$8M
P/E Ratio
12.5
P/S Ratio
2.8x
EPS (TTM)
$1.54
Dividend Yield
2.30%
Dilution (1yr)
+6.6%

Why Investors Own CBAN

  • βœ“High-growth profile β€” revenue up +16.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 65% gross margin and 16% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

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COLONY BANKCORP

CBAN
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$186Mβ–² +5.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
66.4%β–² +4.3% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$35Mβ–² +18.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
βˆ’$7Mβ–Ό βˆ’130.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
18.7Mβ–² +6.6% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$231Mβ–Ό βˆ’$9M YoY
StockOtter Β· stockotter.space

About COLONY BANKCORP

Colony Bankcorp, Inc. functions as the parent entity for Colony Bank, delivering a broad spectrum of financial products and services to both commercial enterprises and individual consumers. The bank offers various ways to save, such as checking, savings, and time deposit accounts (like certificates of deposit). Its lending portfolio is extensive, encompassing loans for small and medium-sized businesses, residential and commercial construction, land development, commercial real estate, general commercial purposes, and agri-business production. Additionally, it provides residential mortgage loans, home equity loans, and consumer credit. Beyond traditional banking, customers can access conveniences such as internet banking, electronic bill payment, safe deposit boxes, telephone banking, credit and debit card services, and remote deposit capture. An ATM network is also accessible to clients. As of January 20, 2022, Colony Bank operated 39 branches across Georgia. The company, established in 1975, has its corporate headquarters situated in Fitzgerald, Georgia.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Price Target

β“˜
Average Target
$1,166.07
β–² +26.6% Upside
High Target$1,286.77
Low Target$870.05
Based on 31 analysts

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