Colony Bankcorp Financials
This page shows Colony Bankcorp (CBAN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
FY2025 balance-sheet expansion lifted accounting earnings, but cash generation flipped negative as the bank carried a much larger asset base.
After several years of positive operating cash flow, net income still reached$28.3M even as operating cash flow slipped to-$5.5M , showing that reported earnings stopped converting into cash. Because assets expanded sharply and equity rose to$375.9M , the bank funded that growth with a thicker capital base, which pushed ROE down to7.5% .
The clearest structural shift is capital deepening: equity increased by nearly
A second pattern is fixed-cost absorption: overhead was still only about
Financial Health Signals
Scored against banks for FY2026. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Colony Bankcorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Colony Bankcorp passes 2 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 1 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Colony Bankcorp generates $-0.84 in operating cash flow (-$5.5M OCF vs $6.6M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Key Financial Metrics
Earnings & Revenue
Colony Bankcorp generated $35.5M in revenue in fiscal year 2026. This represents a decrease of 74.1% from the prior year.
Colony Bankcorp reported $6.6M in net income in fiscal year 2026. This represents a decrease of 72.3% from the prior year.
Colony Bankcorp earned $0.38 per diluted share (EPS) in fiscal year 2026. This represents a decrease of 72.1% from the prior year.
Cash & Balance Sheet
Colony Bankcorp generated -$6.9M in free cash flow in fiscal year 2026, representing cash available after capex. This represents a decrease of 130.9% from the prior year.
Colony Bankcorp held $257.6M in cash against $258.1M in long-term debt as of fiscal year 2026.
Colony Bankcorp paid $0.12 per share in dividends in fiscal year 2026. This represents a decrease of 74.4% from the prior year.
Colony Bankcorp had 21M shares outstanding in fiscal year 2026. This represents an increase of 21.3% from the prior year.
Margins & Returns
Colony Bankcorp's net profit margin was 18.6% in fiscal year 2026, showing the share of revenue converted to profit. This is up 1.2 percentage points from the prior year.
Colony Bankcorp's ROE was 1.8% in fiscal year 2026, measuring profit generated per dollar of shareholder equity. This is down 6.8 percentage points from the prior year.
Capital Allocation
Colony Bankcorp spent $2.4M on share buybacks in fiscal year 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 81.5% from the prior year.
Colony Bankcorp invested $1.4M in capex in fiscal year 2026, funding long-term assets and infrastructure. This represents an increase of 25.4% from the prior year.
CBAN Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $44.9M+10.3% | $40.7M+10.3% | $36.9M+0.2% | $36.8M+3.7% | $35.5M-1.3% | $36.0M+4.0% | $34.6M+3.8% | $33.3M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $15.9M+12.8% | $14.1M+4.3% | $13.5M+5.2% | $12.9M+8.1% | $11.9M-7.5% | $12.9M+2.2% | $12.6M+2.6% | $12.3M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $15.7M+5.7% | $14.8M+4.5% | $14.2M-1.8% | $14.4M-0.8% | $14.6M-6.1% | $15.5M-3.4% | $16.1M+7.6% | $14.9M |
| Income Tax | $2.3M+32.6% | $1.7M+17.2% | $1.5M-28.9% | $2.1M+23.4% | $1.7M+16.5% | $1.4M+1.3% | $1.4M-3.0% | $1.5M |
| Net Income | $8.2M+4.6% | $7.8M+34.8% | $5.8M-27.1% | $8.0M+20.6% | $6.6M-11.0% | $7.4M+32.0% | $5.6M+2.8% | $5.5M |
| EPS (Diluted) | $0.39 | N/A | $0.33-28.3% | $0.46+21.1% | $0.38 | N/A | $0.32+3.2% | $0.31 |
CBAN Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.7B-0.4% | $3.7B+18.5% | $3.2B+1.2% | $3.1B-1.8% | $3.2B+2.0% | $3.1B+1.5% | $3.1B+1.9% | $3.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $295.8M+14.8% | $257.6M+28.8% | $200.0M+78.3% | $112.1M-49.3% | $221.2M-4.3% | $231.0M+59.5% | $144.9M+76.6% | $82.0M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $63.0M-1.3% | $63.9M+25.6% | $50.9M0.0% | $50.9M+4.0% | $48.9M0.0% | $48.9M0.0% | $48.9M0.0% | $48.9M |
| Total Liabilities | $3.3B-0.6% | $3.4B+17.9% | $2.9B+1.0% | $2.8B-2.2% | $2.9B+1.9% | $2.8B+1.5% | $2.8B+1.7% | $2.7B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $38.9M-84.9% | $258.1M | N/A | N/A | N/A | $248.0M | N/A | N/A |
| Total Equity | $380.4M+1.2% | $375.9M+24.3% | $302.3M+2.9% | $293.9M+2.4% | $286.9M+3.0% | $278.7M+1.0% | $276.1M+4.3% | $264.7M |
| Retained Earnings | $166.2M+3.5% | $160.6M+3.8% | $154.7M+2.5% | $150.9M+4.1% | $145.0M+3.3% | $140.4M+4.0% | $134.9M+2.8% | $131.3M |
CBAN Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $54.3M+200.9% | -$53.7M-472.9% | $14.4M-9.0% | $15.8M-11.7% | $17.9M+653.3% | -$3.2M-115.8% | $20.5M+1729.9% | $1.1M |
| Capital Expenditures | $421K-26.4% | $572K+63.0% | $351K+312.9% | $85K-75.4% | $346K-38.4% | $562K+95.8% | $287K+120.8% | $130K |
| Free Cash Flow | $53.8M+199.1% | -$54.3M-486.3% | $14.1M-10.8% | $15.8M-10.5% | $17.6M+562.5% | -$3.8M-118.8% | $20.2M+1941.2% | $990K |
| Investing Cash Flow | $7.4M-91.9% | $91.1M+91.7% | $47.5M+185.5% | -$55.6M+30.1% | -$79.6M-262.7% | $49.0M+14217.0% | $342K-64.0% | $951K |
| Financing Cash Flow | -$23.4M-215.6% | $20.3M-21.6% | $25.9M+137.3% | -$69.3M-233.5% | $51.9M+28.2% | $40.5M-3.7% | $42.0M+385.1% | -$14.7M |
| Dividends Paid | $2.6M+27.1% | $2.0M-0.1% | $2.0M+0.1% | $2.0M-0.4% | $2.0M+2.1% | $2.0M-0.1% | $2.0M-0.1% | $2.0M |
| Share Buybacks | $1.8M+126.7% | $779K | $0-100.0% | $959K+52.2% | $630K+16.7% | $540K+2.7% | $526K+120.1% | $239K |
CBAN Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 18.3%-1.0pp | 19.3%+3.5pp | 15.8%-5.9pp | 21.7%+3.0pp | 18.6%-2.0pp | 20.6%+4.4pp | 16.3%-0.2pp | 16.4% |
| Return on Equity | 2.2%+0.1pp | 2.1%+0.2pp | 1.9%-0.8pp | 2.7%+0.4pp | 2.3%-0.4pp | 2.7%+0.6pp | 2.0%-0.0pp | 2.1% |
| Return on Assets | 0.2%+0.0pp | 0.2%+0.0pp | 0.2%-0.1pp | 0.3%+0.1pp | 0.2%-0.0pp | 0.2%+0.1pp | 0.2%0.0pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 8.78+8.1 | 0.69-8.7 | 9.43-0.2 | 9.60-0.5 | 10.05+9.2 | 0.89-9.2 | 10.10-0.3 | 10.36 |
| FCF Margin | 119.9%+253.4pp | -133.4%-171.6pp | 38.1%-4.7pp | 42.8%-6.8pp | 49.5%+60.1pp | -10.6%-69.0pp | 58.4%+55.4pp | 3.0% |
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Frequently Asked Questions
What is Colony Bankcorp's annual revenue?
Colony Bankcorp (CBAN) reported $35.5M in total revenue for fiscal year 2026. This represents a -74.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Colony Bankcorp's revenue growing?
Colony Bankcorp (CBAN) revenue declined by 74.1% year-over-year, from $137.2M to $35.5M in fiscal year 2026.
Is Colony Bankcorp profitable?
Yes, Colony Bankcorp (CBAN) reported a net income of $6.6M in fiscal year 2026, with a net profit margin of 18.6%.
How much debt does Colony Bankcorp have?
As of fiscal year 2026, Colony Bankcorp (CBAN) had $257.6M in cash and equivalents against $258.1M in long-term debt.
What is Colony Bankcorp's net profit margin?
Colony Bankcorp (CBAN) had a net profit margin of 18.6% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.
Does Colony Bankcorp pay dividends?
Yes, Colony Bankcorp (CBAN) paid $0.12 per share in dividends during fiscal year 2026.
What is Colony Bankcorp's return on equity (ROE)?
Colony Bankcorp (CBAN) has a return on equity of 1.8% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
What is Colony Bankcorp's free cash flow?
Colony Bankcorp (CBAN) generated -$6.9M in free cash flow during fiscal year 2026. This represents a -130.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Colony Bankcorp's operating cash flow?
Colony Bankcorp (CBAN) generated -$5.5M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.
What are Colony Bankcorp's total assets?
Colony Bankcorp (CBAN) had $3.7B in total assets as of fiscal year 2026, including both current and long-term assets.
What are Colony Bankcorp's capital expenditures?
Colony Bankcorp (CBAN) invested $1.4M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
What is Colony Bankcorp's debt-to-equity ratio?
Colony Bankcorp (CBAN) had a debt-to-equity ratio of 0.69 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Colony Bankcorp's return on assets (ROA)?
Colony Bankcorp (CBAN) had a return on assets of 0.2% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
What is Colony Bankcorp's cash runway?
Based on fiscal year 2026 data, Colony Bankcorp (CBAN) had $257.6M in cash against an annual operating cash burn of $5.5M. This gives an estimated cash runway of approximately 558 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Colony Bankcorp's Piotroski F-Score?
Colony Bankcorp (CBAN) has a Piotroski F-Score of 2 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Colony Bankcorp's earnings high quality?
Colony Bankcorp (CBAN) has an earnings quality ratio of -0.84x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Colony Bankcorp?
Colony Bankcorp (CBAN) scores 15 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.