YOLFTbeta
Colony Bankcorp Inc.

Colony Bankcorp Inc.

CBAN · NYSE · Financial Services / Banks - Regional

20.34USD+0.04 (+0.20%)

Price History

Full chart

Market Stats

Previous Close20.30
Open20.30
Day Range20.25 – 20.60
52-Week Range15.42 – 22.46
Volume158.00K
Market Cap438.86M
P/E (TTM)12.46
Forward P/E11.00
EPS1.66
Dividend Yield2.29%
Beta0.53
50-Day Avg21.48
200-Day Avg20.13

About

Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to retail and commercial customers in the United States. It operates through Bank, Mortgage Banking, and Small Business Specialty Lending Division segments. The company offers deposit products, including checking, savings, money market, and other deposit options; and treasury solutions, merchant services, and other financial tools that support businesses in managing cash flow and operational efficiency. It also provides loans to small and medium-sized businesses; residential and commercial construction, and land development loans; commercial real estate loans; commercial loans; agri-business and production loans; residential mortgage loans; home equity loans and lines of credit; consumer loans; financing for marine and recreational vehicles; and small business administration and other government guaranteed loans. In addition, the company offers wealth management, consumer insurance, internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, and remote depository products, as well as access to a network of ATMs. Further, it provides health savings accounts, student savings, retirement and educational accounts, and certificates of deposit; financial advisory services; lot and small acreage loans, auto loans, working capital loans, USDA loan programs, healthcare lending, and equipment loans, as well as boat, RV, and ATV loans; agriculture lending for equipment, livestock, farmland, and crop production; homeowners, fixed life, auto, boat, renters, condo, ATV, motorcycle, and business insurance; liquidity management; and digital banking, mobile deposit, e-statements, and e-alerts services. Colony Bankcorp, Inc. was founded in 1975 and is headquartered in Fitzgerald, Georgia.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Roy Dallis Copeland Jr.
  • Employees528
  • Headquarters115 South Grant Street, Fitzgerald, GA, United States, 31750, USA
  • Websitehttps://colony.bank

Leadership

  • Mr. Roy Dallis Copeland Jr.President · b. 1969
  • Mr. Brian D. SchmittExecutive VP & Director · b. 1962
  • Mr. Edward G. CanupExecutive VP & Chief Corporate Development Officer · b. 1961
  • Mr. Derek W. ShelnuttExecutive VP & CFO · b. 1987
  • Mr. Daniel E. RentzExecutive VP & Chief Information Officer · b. 1983
  • Ms. Laurie E. SennExecutive VP & Chief Administrative Officer · b. 1984
  • Mr. Edward L. Bagwell IIIExecutive VP, Chief Risk Officer, General Counsel & Secretary · b. 1967
  • Mr. Lawrence A. WhitleySenior VP & Chief People Officer
  • Mr. Walter P. PattenExecutive Vice President · b. 1951
  • Ms. Kimberly C. DockeryExecutive VP & Chief of Staff · b. 1983

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue16.71M18.00M18.01M33.40M36.40M45.25M50.41M52.21M53.55M58.35M69.79M90.63M97.98M84.30M75.39M68.74M61.74M57.02M53.56M53.89M53.32M54.14M55.65M58.64M74.49M87.37M106.88M126.56M160.55M176.62M186.11M
Growth (%)-+7.73%+0.04%+85.45%+8.98%+24.31%+11.41%+3.58%+2.55%+8.98%+19.59%+29.87%+8.11%-13.96%-10.57%-8.82%-10.18%-7.65%-6.07%+0.60%-1.05%+1.54%+2.79%+5.38%+27.02%+17.29%+22.33%+18.42%+26.85%+10.01%+5.37%
Cost of Revenue14.66M15.35M15.48M16.80M18.40M24.55M27.59M24.82M22.47M21.85M29.92M45.38M53.63M50.86M69.73M34.87M25.06M17.80M11.98M8.11M7.43M7.55M7.26M8.43M13.74M14.44M5.10M14.23M50.27M64.22M62.55M
Gross Profit2.05M2.65M2.53M16.60M18.00M20.70M22.82M27.40M31.07M36.50M39.86M45.25M44.34M33.44M5.67M33.87M36.69M39.22M41.58M45.78M45.89M46.60M48.39M50.22M60.75M72.93M101.78M112.33M110.28M112.40M123.56M
Gross Margin12.28%14.72%14.04%49.70%49.45%45.76%45.26%52.47%58.03%62.55%57.12%49.93%45.26%39.67%7.51%49.27%59.42%68.78%77.63%84.96%86.06%86.06%86.95%85.63%81.55%83.47%95.23%88.75%68.69%63.64%66.39%
Operating Expense-1.01M-1.60M-2.69M11.00M11.90M14.00M15.51M18.80M20.86M24.27M26.08M29.88M31.58M30.86M34.84M33.86M33.05M35.38M34.62M34.98M33.72M34.07M33.86M35.30M48.14M58.30M78.63M89.47M83.06M82.83M88.42M
Operating Income3.06M4.25M5.22M5.60M6.10M6.70M7.31M8.59M10.21M12.23M13.79M15.37M12.77M2.59M-29.18M15.00K3.64M3.84M6.96M10.80M12.16M12.52M14.53M14.92M12.61M14.63M23.15M22.85M27.21M29.57M35.13M
Operating Margin18.33%23.62%29.00%16.77%16.76%14.81%14.50%16.46%19.06%20.96%19.76%16.96%13.03%3.07%-38.70%0.02%5.89%6.74%13.00%20.04%22.81%23.13%26.11%25.44%16.93%16.75%21.66%18.06%16.95%16.74%18.88%
EBITDA3.59M4.81M6.01M6.60M7.40M8.08M9.01M11.04M13.24M15.11M17.00M18.02M15.17M5.39M-23.28M6.20M8.91M9.70M11.16M13.71M15.61M15.74M17.63M16.75M15.50M20.49M31.78M34.48M35.91M37.70M35.13M
EBITDA Margin21.49%26.74%33.39%19.76%20.33%17.86%17.87%21.14%24.73%25.89%24.36%19.89%15.48%6.40%-30.88%9.02%14.44%17.01%20.83%25.44%29.29%29.08%31.67%28.57%20.81%23.45%29.74%27.24%22.37%21.34%18.88%
Net Income2.14M2.93M3.62M3.90M4.20M4.51M4.87M5.75M6.82M8.07M8.98M10.15M8.55M2.03M-19.18M474.22K2.53M2.64M4.63M7.53M8.37M8.67M7.75M11.92M10.21M11.81M18.66M19.54M21.75M23.87M28.25M
Net Income Margin12.81%16.30%20.09%11.68%11.54%9.97%9.65%11.02%12.73%13.83%12.86%11.20%8.72%2.41%-25.45%0.69%4.10%4.63%8.64%13.98%15.70%16.02%13.93%20.32%13.71%13.52%17.46%15.44%13.55%13.51%15.18%
R&D----------------00000000-------
R&D as % of Total Revenue----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense11.44M13.16M13.99M15.60M17.20M22.27M25.74M22.00M18.41M18.38M26.48M41.39M47.70M37.92M26.28M21.52M16.81M11.02M7.50M6.80M6.57M6.48M6.87M8.22M12.64M7.88M4.40M10.87M46.67M61.16M58.05M
Interest Expense % of Total Revenue68.47%73.09%77.69%46.71%47.25%49.21%51.06%42.13%34.39%31.50%37.94%45.67%48.69%44.98%34.86%31.31%27.22%19.32%14.00%12.62%12.32%11.97%12.35%14.03%16.97%9.02%4.11%8.58%29.07%34.63%31.19%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets278.57M319.54M342.95M381.30M435.30M519.90M621.58M781.10M868.61M997.59M1.11B1.21B1.21B1.25B1.31B1.28B1.20B1.14B1.15B1.15B1.17B1.21B1.23B1.25B1.52B1.76B2.69B2.94B3.05B3.11B3.74B
Total Liabilities257.51M293.95M314.13M348.20M400.30M479.69M579.60M715.67M812.63M935.83M1.04B1.14B1.13B1.17B1.22B1.18B1.10B1.04B1.06B1.05B1.08B1.12B1.14B1.16B1.38B1.62B2.47B2.71B2.80B2.83B3.36B
Total Equity21.06M25.59M28.82M33.10M35.00M40.21M41.97M65.43M55.98M61.76M68.13M76.61M83.74M83.22M89.28M92.96M96.61M95.76M89.95M99.03M95.46M93.39M90.32M95.69M130.50M144.49M217.71M230.27M254.94M278.68M375.92M
Cash33.84M36.18M37.30M40.10M22.50M18.59M29.20M35.88M33.97M24.18M23.24M30.31M29.84M29.57M32.47M67.34M57.34M51.04M47.65M45.68M60.87M75.17M57.81M10.38M102.51M183.51M18.98M20.58M25.34M26.05M27.31M
Total Debt2.50M5.66M13.07M14.50M22.00M25.09M47.18M46.43M75.62M80.52M89.30M86.80M99.17M157.50M155.23M119.31M95.23M59.23M64.23M64.23M88.46M94.46M71.73M68.23M91.11M149.89M88.45M203.35M238.44M248.04M258.10M
Net Debt-31.34M-30.53M-24.23M-25.60M-500.00K6.49M17.98M10.54M41.65M56.34M66.06M56.49M69.34M127.90M122.75M51.97M37.89M8.19M16.58M18.55M3.36M-4.94M13.92M57.85M-16.72M-123.21M69.47M182.77M213.11M221.99M230.80M

Cash Flow

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow5.97M5.76M5.56M5.80M6.90M7.41M7.32M5.63M17.68M15.58M15.87M15.00M15.17M17.29M15.05M27.35M15.16M22.81M18.87M14.77M14.07M13.39M12.55M14.91M3.93M-19.09M36.10M49.74M20.98M23.40M-5.54M
Investing Cash Flow-13.86M-22.61M-24.03M-37.50M-65.40M-79.11M-90.73M-74.64M-109.06M-95.91M-102.61M-115.01M-23.42M-81.86M-75.45M15.07M98.68M-632.26K-34.77M-2.63M-56.20M-35.37M-32.83M-9.32M6.75M-130.27M-208.33M-448.23M-98.75M101.16M3.41M
Financing Cash Flow26.30M16.78M19.47M34.40M50.60M77.93M96.37M88.52M81.27M85.56M100.85M93.32M-14.02M43.92M73.37M-30.71M-84.61M-56.30M12.84M-13.72M19.78M28.55M14.61M-3.25M33.26M228.77M185.95M281.93M80.41M23.15M28.74M
Capital Expenditure430.69K1.30M2.97M3.70M2.30M2.63M2.23M2.95M1.88M4.33M5.75M3.72M2.23M3.92M1.29M490.26K398.00K845.34K1.49M1.68M3.19M3.26M1.34M2.76M3.48M4.24M5.84M2.90M3.62M1.08M1.35M
Free Cash Flow5.54M4.46M2.59M2.10M4.60M4.78M5.09M2.68M15.80M11.24M10.11M11.29M12.94M13.37M13.76M26.86M14.76M21.96M17.38M13.09M10.88M10.13M11.20M12.15M448.00K-23.34M30.27M46.85M17.36M22.32M-6.90M
Dividends Paid370.46K399.16K434.65K500.00K600.00K755.00K1.07M1.17M1.48M1.75M1.99M2.26M2.56M2.79M2.95M1.40M1.40M01.51M5.49M2.49M1.59M1.16M1.69M2.69M3.80M4.46M7.16M7.72M7.90M8.04M
FCF to OCF92.79%77.49%46.65%36.21%66.67%64.47%69.58%47.59%89.39%72.19%63.68%75.22%85.33%77.33%91.43%98.21%97.37%96.29%92.11%88.62%77.32%75.65%89.28%81.51%11.39%122.21%83.83%94.18%82.76%95.38%124.42%
Dividend Paid to FCF6.69%8.95%16.76%23.81%13.04%15.80%20.95%43.61%9.38%15.56%19.72%20.06%19.75%20.91%21.44%5.21%9.48%0.00%8.68%41.98%22.86%15.71%10.36%13.89%600.89%-16.28%14.75%15.28%44.47%35.39%-116.51%

Earnings

Report DateJun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Jan 20, 2006Apr 21, 2006Jul 21, 2006Oct 20, 2006Jan 19, 2007Apr 27, 2007Jul 20, 2007Oct 19, 2007Jan 16, 2008Apr 25, 2008Jul 18, 2008Oct 24, 2008Jan 23, 2009Apr 24, 2009Jul 24, 2009Oct 21, 2009Jan 22, 2010Apr 23, 2010Jul 23, 2010Oct 20, 2010Jan 21, 2011Apr 22, 2011Jul 22, 2011Oct 19, 2011Jan 20, 2012Apr 20, 2012Jul 20, 2012Oct 19, 2012Feb 8, 2013Apr 19, 2013Jul 19, 2013Oct 14, 2013Jan 24, 2014Apr 25, 2014Jul 25, 2014Oct 22, 2014Jan 23, 2015Apr 17, 2015Jul 24, 2015Oct 22, 2015Jan 22, 2016Apr 22, 2016Jul 20, 2016Oct 20, 2016Jan 19, 2017Apr 19, 2017Jul 18, 2017Oct 17, 2017Jan 26, 2018Apr 18, 2018Jul 17, 2018Oct 18, 2018Jan 17, 2019Apr 18, 2019Jul 18, 2019Oct 18, 2019Jan 16, 2020Apr 24, 2020Jul 22, 2020Oct 15, 2020Jan 22, 2021Apr 22, 2021Jul 22, 2021Oct 21, 2021Jan 20, 2022Apr 21, 2022Jul 21, 2022Oct 20, 2022Jan 26, 2023Apr 27, 2023Jul 26, 2023Oct 25, 2023Jan 24, 2024Apr 24, 2024Jul 24, 2024Oct 23, 2024Jan 22, 2025Apr 23, 2025Jul 23, 2025Oct 22, 2025Jan 28, 2026Apr 22, 2026Jul 22, 2026Oct 28, 2026
EPS Estimate----------------------------0.330.320.340.380.400.350.370.390.300.270.230.200.03----------------------------------------------0.280.400.370.500.350.480.390.380.370.340.260.300.330.320.310.310.340.350.380.410.470.460.480.480.51
EPS Actual0.140.130.150.150.150.170.170.120.190.180.180.170.180.210.220.210.180.230.230.240.250.270.280.290.290.300.310.310.320.320.360.360.360.340.380.360.100.31-0.020.03-0.090.11-0.940.00-2.020.050.02-0.16-0.010.080.020.020.000.020.050.050.020.070.070.080.150.100.160.160.160.150.180.190.190.240.260.220.220.220.280.300.300.370.360.320.350.340.230.270.290.190.250.390.440.530.490.570.400.370.300.300.310.310.330.340.310.330.340.350.440.380.460.470.480.450.52-
Surprise-----------------------------3.03%0.00%5.88%-5.26%-10.00%-2.86%2.70%-7.69%-66.67%14.81%-108.70%-85.00%-400.00%----------------------------------------------39.29%10.00%43.24%-2.00%62.86%-16.67%-5.13%-21.05%-18.92%-8.82%19.23%10.00%3.03%-3.13%6.45%9.68%2.94%25.71%0.00%12.20%0.00%4.35%-6.25%8.33%-
Timing----------------------------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market------------------------------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-market-After-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-

Key Statistics & Ratios

Market Cap438.86M
Enterprise Value512.07M
Trailing P/E12.46
Forward P/E11.00
PEG Ratio2.11
Price / Sales3.02
Price / Book1.11
EPS1.66
Book Value18.43
Revenue (TTM)145.42M
Gross Profit (TTM)145.42M
Profit Margin22.50%
Operating Margin36.48%
Return on Equity9.57%
Return on Assets0.97%
Shares Outstanding21.22M
Shares Float20.28M
Beta0.53
Dividend Yield2.29%
Dividend Rate0.48
Payout Ratio24.74%

Analyst Ratings

Buy
Based on 2 analystsTarget 25.13
  • Strong Buy
    1
  • Hold
    1

Ownership Breakdown

Institutions
63.39%
Insiders
4.08%
Retail / Other
32.53%

Top Institutional Holders

  • BlackRock Inc
    1.97M9.26%
  • Vanguard Capital Management, LLC
    958.60K4.52%
  • Dimensional Fund Advisors, Inc.
    882.16K4.16%
  • Geode Capital Management, LLC
    476.66K2.25%
  • American Century Companies Inc
    472.10K2.22%
  • Petiole USA ltd
    448.56K2.11%
  • Banc Funds Co LLC
    419.48K1.98%
  • Two Sigma Investments LLC
    370.60K1.75%
  • State Street Corp
    357.28K1.68%
  • Pacific Ridge Capital Partners, LLC
    319.37K1.50%
  • Citadel Advisors Llc
    287.60K1.36%
  • Manufacturers Life Insurance Co
    270.98K1.28%
  • Hillsdale Investment Management Inc.
    246.56K1.16%
  • Algert Global LLC
    227.48K1.07%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    644.93K3.04%
  • iShares Russell 2000 ETF
    537.82K2.53%
  • Avantis US Small Cap Value ETF
    448.12K2.11%
  • BlackRock Advantage Small Cap Core Instl
    289.59K1.36%
  • Fidelity Small Cap Index
    223.27K1.05%
  • iShares Russell 2000 Value ETF
    210.33K0.99%

Dividends

20264×
0.12Nov 10, 20260.12Aug 5, 20260.12May 6, 20260.12Feb 11, 2026
20254×
0.12Nov 5, 20250.12Aug 6, 20250.12May 7, 20250.12Feb 5, 2025
20244×
0.11Nov 6, 20240.11Aug 7, 20240.11May 7, 20240.11Feb 6, 2024
20234×
0.11Nov 7, 20230.11Aug 8, 20230.11May 9, 20230.11Feb 8, 2023
20224×
0.11Nov 3, 20220.11Aug 4, 20220.11May 5, 20220.11Feb 3, 2022
20214×
0.10Nov 2, 20210.10Aug 2, 20210.10Apr 30, 20210.10Jan 28, 2021

Stock Splits

  • May 17, 20055:4
  • Sep 16, 20035:4
  • Apr 16, 19992:1