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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.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $132M | - | $28M | $-7M | 7.5% | 14.5% | 18.4% |
| 2024 | $115M | - | $24M | $22M | 8.6% | 1.4% | 9.8% |
| 2023 | $114M | - | $22M | $17M | 8.5% | -1.6% | 11.3% |
| 2022 | $116M | - | $20M | $47M | 8.5% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 115.70 | 113.88 | 115.45 | 132.18 |
| Pretax Income | 22.85 | 27.21 | 29.57 | 35.13 |
| Tax Provision | 3.31 | 5.47 | 5.70 | 6.88 |
| Net Income | 19.54 | 21.75 | 23.87 | 28.25 |
| Net Income Common Stockholders | 19.54 | 21.75 | 23.87 | 28.25 |
| Interest Expense | 10.87 | 46.67 | 61.16 | 58.05 |
| Interest Income | 91.54 | 124.92 | 137.24 | 149.95 |
| Selling General And Administration | 56.47 | 52.72 | 53.78 | 56.70 |
| Normalized Income | 19.54 | 21.75 | 23.87 | 29.91 |
| Basic EPS | 1.14 | 1.24 | 1.36 | 0 |
| Diluted EPS | 1.14 | 1.24 | 1.36 | 0 |
| Tax Effect Of Unusual Items | 0 | 0 | 0 | -0.41 |
| Tax Rate For Calcs | 0.14 | 0.20 | 0.19 | 0.20 |
| Total Unusual Items | -0.14 | 0 | 0 | -2.06 |
| Total Unusual Items Excluding Goodwill | -0.14 | 0 | 0 | -2.06 |
| Net Income From Continuing Operation Net Minority Interest | 19.54 | 21.75 | 23.87 | 28.25 |
| Reconciled Depreciation | 11.63 | 8.70 | 8.13 | 7.72 |
| Net Interest Income | 80.67 | 78.24 | 76.08 | 91.90 |
| Net Income From Continuing And Discontinued Operation | 19.54 | 21.75 | 23.87 | 28.25 |
| Diluted Average Shares | 17.19 | 17.58 | 17.56 | 0 |
| Basic Average Shares | 17.19 | 17.58 | 17.56 | 0 |
| Diluted NI Availto Com Stockholders | 19.54 | 21.75 | 23.87 | 28.25 |
| Net Income Including Noncontrolling Interests | 19.54 | 21.75 | 23.87 | 28.25 |
| Net Income Continuous Operations | 19.54 | 21.75 | 23.87 | 28.25 |
| Special Income Charges | -0.14 | 0 | 0 | -2.06 |
| Impairment Of Capital Assets | 0 | 0 | 0 | 0 |
| Restructuring And Mergern Acquisition | 0.14 | 0 | 0 | 2.06 |
| Gain On Sale Of Security | -0.08 | 0 | -1.83 | -1.04 |
| Selling And Marketing Expense | 3.66 | 3.49 | 4.01 | 4.28 |
| General And Administrative Expense | 52.81 | 49.23 | 49.77 | 52.42 |
| Other Gand A | 0 | 0 | 0 | 0 |
| Salaries And Wages | 52.81 | 49.23 | 49.77 | 52.42 |
| Operating Revenue | 115.70 | 113.88 | 115.45 | 132.18 |
| Occupancy And Equipment | 6.53 | 6.28 | 6.15 | 6.75 |
| Professional Expense And Contract Services Expense | 3.43 | 3.10 | 2.83 | 3.51 |
| Other Non Interest Expense | 23.04 | 20.97 | 20.08 | 23.53 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Colony Bankcorp, Inc.this co. | CBAN | - | - | - | 7.5% | - |
| Silvercrest Asset Management Group Inc. | SAMG | $107M | 23.59 | 2.04 | 5.8% | 9.86 |
| Sound Financial Bancorp, Inc. | SFBC | $98M | 14.04 | 0.96 | 6.5% | - |
| Kestrel Group Ltd | KG | $89M | 1.12 | 0.58 | 36.4% | - |
| Vroom, Inc. | VRM | $80M | - |
| 0.69 |
| -45.5% |
| 57.65 |
| Siebert Financial Corp. | SIEB | $72M | 13.46 | 0.79 | 5.7% | - |
| eHealth, Inc. | EHTH | $62M | - | 0.10 | 6.8% | 7.11 |
| MarketWise, Inc. | MKTW | $47M | 7.64 | -3.69 | -2.6% | -3.48 |
| GoHealth, Inc. | GOCO | $31M | - | 0.45 | 4834.1% | -7.69 |
| Peer Median | - | 13.46 | 0.63 | 6.1% | 7.11 | |