NYSE · Financial Statements

Colony Bankcorp, Inc. (CBAN) Financial Statements

$20.36 NYSE: CBAN Market Cap $432.06M

Colony Bankcorp, Inc. most recently reported annual revenue of $186.0M, net profit of $28.0M. Revenue grew at an average annual rate of 16.4% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Colony Bankcorp, Inc.: Revenue rose from $54.0M in 2016 to $186.0M in 2025, a change of +244.4% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 23.1% to 18.9%, a shift of -4.3 percentage points; the most recent year shows net profit of $28.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$54.0M$56.0M$59.0M$74.0M$87.0M$107.0M$127.0M$161.0M$177.0M$186.0M
Operating Expenses$42.0M$41.0M$44.0M$62.0M$73.0M$84.0M$104.0M$133.0M$147.0M$151.0M
Operating Profit$13.0M$15.0M$15.0M$13.0M$15.0M$23.0M$23.0M$27.0M$30.0M$35.0M
Operating Margin23.1%26.1%25.4%16.9%16.8%21.7%18.1%16.9%16.7%18.9%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$6.0M$7.0M$8.0M$13.0M$8.0M$4.0M$11.0M$47.0M$61.0M$58.0M
Depreciation$3.0M$3.0M$2.0M$3.0M$6.0M$9.0M$12.0M$9.0M$8.0M$0
Profit Before Tax$13.0M$15.0M$15.0M$13.0M$15.0M$23.0M$23.0M$27.0M$30.0M$35.0M
Tax$30.8M$46.6M$20.1M$19.0M$19.2M$19.4M$14.5M$20.1M$19.3M$19.6M
Net Profit$9.0M$8.0M$12.0M$10.0M$12.0M$19.0M$20.0M$22.0M$24.0M$28.0M
EPS$0.84$0.87$1.40$1.12$1.24$1.66$1.14$1.24$1.36$1.59
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$42.0M$43.0M$43.0M$43.0M$45.0M$46.0M$45.0M$47.0M$47.0M$52.0M$52.0M$8.0M
Operating Expenses$35.0M$35.0M$36.0M$36.0M$38.0M$37.0M$36.0M$37.0M$40.0M$41.0M$42.0M$18.0M
Operating Profit$7.0M$7.0M$7.0M$7.0M$7.0M$9.0M$8.0M$10.0M$7.0M$11.0M$10.0M$-10.0M
Operating Margin17.6%16.7%15.8%16.2%15.8%19.1%18.6%21.4%15.5%21.6%20.0%-132.5%
Interest$13.0M$14.0M$15.0M$15.0M$16.0M$16.0M$15.0M$14.0M$14.0M$15.0M$16.0M$16.0M
Profit Before Tax$7.0M$7.0M$7.0M$7.0M$7.0M$9.0M$8.0M$10.0M$7.0M$10.0M$10.0M$14.0M
Tax$22.2M$21.1M$20.9M$21.0M$20.0M$16.1M$20.1M$20.4M$20.1M$17.9M$21.6M$20.7M
Net Profit$6.0M$6.0M$5.0M$5.0M$6.0M$7.0M$7.0M$8.0M$6.0M$8.0M$8.0M$11.0M
EPS$0.33$0.32$0.30$0.31$0.32$0.42$0.38$0.46$0.33$0.42$0.39$0.51

Over the 10 years reported for Colony Bankcorp, Inc., borrowings increased from $70.0M in 2016 to $258.0M in 2025, cash stood at $27.0M in the latest year, shareholders' equity was $21.0M, current assets covered current liabilities 0.08 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$1.2B$1.2B$1.3B$1.5B$1.8B$2.7B$2.9B$3.1B$3.1B$3.7B
Current Assets$399.0M$412.0M$363.0M$363.0M$398.0M$957.0M$453.0M$433.0M$65.0M$252.0M
Cash$75.0M$58.0M$10.0M$16.0M$17.0M$19.0M$21.0M$25.0M$26.0M$27.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$0$0$0$0$0$0$0$0$0$0
Fixed Assets$28.0M$28.0M$29.0M$32.0M$32.0M$43.0M$42.0M$40.0M$38.0M$37.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$1.1B$1.1B$1.1B$1.3B$1.5B$2.3B$2.7B$2.8B$2.7B$3.2B
Other Assets$0$0$0$16.0M$16.0M$53.0M$49.0M$49.0M$49.0M$64.0M
Total Liabilities$1.1B$1.1B$1.2B$1.4B$1.6B$2.5B$2.7B$2.8B$2.8B$3.4B
Current Liabilities$1.0B$1.1B$1.1B$1.3B$1.4B$2.4B$2.5B$2.5B$2.6B$3.1B
Borrowings$70.0M$72.0M$68.0M$86.0M$60.0M$88.0M$203.0M$238.0M$248.0M$258.0M
Other Liabilities$1.0B$1.1B$1.1B$1.3B$1.6B$2.4B$2.5B$2.6B$2.6B$3.1B
Equity$8.0M$8.0M$8.0M$9.0M$9.0M$14.0M$18.0M$18.0M$18.0M$21.0M
Reserves$93.0M$90.0M$96.0M$131.0M$144.0M$218.0M$230.0M$255.0M$279.0M$376.0M

For Colony Bankcorp, Inc., operating cash flow was positive in 8 of 10 reported years; free cash flow in the latest year was negative at $7.0M; free cash flow was positive in 7 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$13.0M$13.0M$15.0M$4.0M$-19.0M$36.0M$50.0M$21.0M$23.0M$-6.0M
Investing Cash Flow$-39.0M$-34.0M$-12.0M$3.0M$-135.0M$-214.0M$-451.0M$-102.0M$100.0M$2.0M
Financing Cash Flow$33.0M$24.0M$2.0M$19.0M$151.0M$298.0M$116.0M$53.0M$22.0M$37.0M
Net Cash Flow$7.0M$-6.0M$2.0M$44.0M$79.0M$14.0M$-117.0M$3.0M$148.0M$27.0M
Free Cash Flow$10.0M$11.0M$12.0M$0$-23.0M$30.0M$47.0M$17.0M$22.0M$-7.0M

Valuation & Return Ratios

MetricValue
PEG Ratio2.80
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y24.40%
Return 3Y128.61%
Return 5Y30.43%

Colony Bankcorp, Inc. (CBAN) financials — frequently asked questions

What is Colony Bankcorp, Inc.'s annual revenue?

Colony Bankcorp, Inc. (CBAN) reported annual revenue of $186.0M in its most recent fiscal year.

What is Colony Bankcorp, Inc.'s net profit?

Colony Bankcorp, Inc. (CBAN) reported net profit of $28.0M in its most recent fiscal year.

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