# Colony Bankcorp, Inc. (CBAN)

> Source: Nexqual · https://nexqual.com/CBAN · data as of 2026-10-23 20:00 UTC · cite as "Nexqual, Colony Bankcorp, Inc. (CBAN), nexqual.com/CBAN" · informational, not investment advice.

**Price:** USD 20.36 (+0.54% on the day) · last close of Oct 23, 2026; US market closed, not a live price. Prev close 20.25 · day 20.14–20.5 · 52w 15.8–22.46 · market cap $432M · NYQ

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $152M, net income $32.7M (21.6% margin) (SEC filings).
- Valuation: P/E 13.2x (avg 11.3x at the last 3 fiscal year-ends).
- Insider open-market purchases, last ~7 months: 5 Form 4 filings, $211K; 0 by opportunistic insiders, 0 by routine insiders.
- Total return with dividends: 1Y +24.9% vs S&P 500 +13.4%; 5Y +26.6% vs S&P 500 +76.9%.
- Next earnings: 2026-10-28, EPS estimate USD 0.52, revenue estimate $41.2M.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $102M | $116M | $114M | $115M | $132M | $152M |
| Net income | $18.7M | $19.5M | $21.7M | $23.9M | $28.3M | $32.7M |
| EPS (diluted) | $1.66 | $1.14 | $1.24 | $1.36 | $1.59 | — |
| Free cash flow | $30.3M | $46.8M | $17.4M | $22.3M | -$6.9M | $21.7M |
| Net margin | 18.2% | 16.9% | 19.1% | 20.7% | 21.4% | 21.6% |
| Revenue growth | +28.9% | +12.9% | -1.6% | +1.4% | +14.5% | — |
| Cash + short-term investments | $197M | $80.7M | $83.3M | $231M | $258M | — |
| Total debt | $88.4M | $203M | $238M | $248M | $258M | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 13.2x · P/S 2.9x · P/FCF 19.9x · P/B 1.1x · FCF yield 5.03% · Earnings yield 7.57% · Dividend yield (paid, TTM) 2.11% · Buyback yield (TTM) 0.59%
P/E at fiscal year-ends: Dec 2025 11.2x, Dec 2024 11.9x, Dec 2023 10.8x.

## Insider purchases (SEC Form 4, open-market, last ~7 months)
5 purchases, $211K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-08-26 | Canup Edward G | CHIEF BANKING OFFICER | 1,000 | $21K | 21.2 | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-18…2026-08-20 | Canup Edward G | CHIEF BANKING OFFICER | 4,000 | $87K | 21.63 | Too little history (no open-market trades in 2023 or 2024) |
| 2026-07-30 | Canup Edward G | CHIEF BANKING OFFICER | 2,000 | $44K | 21.8 | Too little history (no open-market trades in 2023 or 2024) |
| 2026-05-05 | Canup Edward G | CHIEF BANKING OFFICER | 1,000 | $20K | 19.65 | Too little history (no open-market trades in 2023 or 2024) |
| 2026-04-24…2026-04-27 | Canup Edward G | CHIEF BANKING OFFICER | 2,000 | $40K | 19.89 | Too little history (no open-market trades in 2023 or 2024) |
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-24) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +24.9% | +26.6% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +25.0% | +4.8% |
| Volatility (annualized) | 22.6% | 26.1% |
| Max drawdown | -11.5% (Aug 2026→Oct 2026) | -51.3% (Mar 2022→May 2023) |

## Peers
CFFI (C&F Financial Corporation) USD 107.33 -0.83% · CHMG (Chemung Financial Corp) USD 83.88 +0.78% · FUNC (First) USD 45.93 +0.02% · OVLY (Oak Valley Bancorp (CA)) USD 34.11 -0.41% · FCCO (First Community Corporation) USD 33.1 +0.33%

## More
Full page: https://nexqual.com/CBAN · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Revenue by business segment (quarter ended 2026-06-30)

| Line | Revenue | Share | YoY |
|---|---|---|---|
| Mortgage | $2.2M | 101.9% | +10.0% |
| Total revenue | $2.1M | 100% | — |
The lines above cover 101.9% of total revenue.

## Revenue by product line (quarter ended 2026-06-30)

| Line | Revenue | Share | YoY |
|---|---|---|---|
| Mortgage Banking | $2.6M | 119.6% | +15.4% |
| Credit Card | $2.4M | 112.1% | +15.8% |
| Bank Servicing | $2.1M | 100.0% | +7.9% |
| Total revenue | $2.1M | 100% | — |
The lines above cover 331.7% of total revenue.

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | $0.52 | $0.52 | +0.0% | $41.2M | 2 |
| Next quarter (ends 2026-12-31) | $0.52 | $0.52 | -1.0% | $48.4M | 2 |
| Current fiscal year (ends 2026-12-31) | $2.02 | $1.97 | +2.8% | $171.4M | 2 |
| Next fiscal year (ends 2027-12-31) | $2.37 | $2.13 | +11.5% | $230.1M | 2 |