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Equiscale · Syntellia LLC
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.
Rule-based from financial data. Not advice.
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% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 115.70 | 113.88 | 115.45 | 132.18 |
| Operating Revenue | - | 115.70 | 113.88 | 115.45 | 132.18 |
| Selling General And Administration | - | 56.47 | 52.72 | 53.78 | 56.70 |
| Interest Income | - | 91.54 | 124.92 | 137.24 | 149.95 |
| Interest Expense | - | 10.86 | 46.67 | 61.16 | 58.05 |
| Net Interest Income | - | 80.67 | 78.24 | 76.08 | 91.90 |
| Pretax Income | - | 22.85 | 27.21 | 29.57 | 35.14 |
| Tax Provision | - | 3.31 | 5.47 | 5.70 | 6.88 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | -0.41 |
| Net Income Continuous Operations | - | 19.54 | 21.75 | 23.87 | 28.25 |
| Net Income From Continuing And Discontinued Operation | - | 19.54 | 21.75 | 23.87 | 28.25 |
| Net Income From Continuing Operation Net Minority Interest | - | 19.54 | 21.75 | 23.87 | 28.25 |
| Net Income | - | 19.54 | 21.75 | 23.87 | 28.25 |
| Net Income Common Stockholders | - | 19.54 | 21.75 | 23.87 | 28.25 |
| Net Income Including Noncontrolling Interests | - | 19.54 | 21.75 | 23.87 | 28.25 |
| Normalized Income | - | 19.54 | 21.75 | 23.87 | 29.91 |
| Diluted NI Availto Com Stockholders | - | 19.54 | 21.75 | 23.87 | 28.25 |
| Basic Average Shares | - | 17.19 | 17.58 | 17.56 | 17.79 |
| Diluted Average Shares | - | 17.19 | 17.58 | 17.56 | 17.79 |
| Reconciled Depreciation | - | 11.63 | 8.70 | 8.13 | 7.72 |
| Total Unusual Items | -4.71 | -0.14 | - | - | -2.06 |
| Total Unusual Items Excluding Goodwill | -4.71 | -0.14 | - | - | -2.06 |
| Special Income Charges | -4.71 | -0.14 | - | - | -2.06 |
| Impairment Of Capital Assets | 0.09 | 0 | - | - | - |
| Restructuring And Mergern Acquisition | 4.62 | 0.14 | - | - | 2.06 |
| Gain On Sale Of Security | - | -0.08 | 0 | -1.84 | -1.04 |
| General And Administrative Expense | - | 52.81 | 49.23 | 49.77 | 52.42 |
| Other Gand A | 9.05 | - | - | - | - |
| Salaries And Wages | - | 52.81 | 49.23 | 49.77 | 52.42 |
| Selling And Marketing Expense | - | 3.66 | 3.49 | 4.01 | 4.28 |
| Occupancy And Equipment | - | 6.53 | 6.28 | 6.15 | 6.75 |
| Professional Expense And Contract Services Expense | - | 3.43 | 3.10 | 2.82 | 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 | $425M | 15.03↑ premium | 1.13 | 7.5% | - |
| Investors Title Company | ITIC | $445M | 12.64 | 1.66 | 13.1% | - |
| Bankwell Financial Group, Inc. | BWFG | $424M | 12.06 | 1.41 | 11.7% | - |
| Bank7 Corp. | BSVN | $424M | 9.85 | 1.69 | 17.2% | - |
| GBank Financial Holdings Inc. | GBFH | $421M |
| - |
| - |
| - |
| - |
| - |
| 20.12 |
| 2.54 |
| 12.6% |
| - |
| Bank of Marin Bancorp | BMRC | $417M | -11.70 | 1.06 | -9.0% | - |
| West Bancorporation, Inc. | WTBA | $407M | 12.50 | 1.53 | 12.2% | - |
| RBB Bancorp | RBB | $406M | 12.71 | 0.78 | 6.1% | - |
| Commercial Bancgroup, Inc. | CBK | $400M | 10.75 | 1.40 | 13.0% | - |
| Peer Median | - | 12.28 | 1.47 | 12.4% | - | |
Historically, Jul has averaged the highest return (+7.6%); Apr the lowest (-4.3%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +9.2%Positive MonthJan 2026: +9.20% | +1.9%Neutral MonthFeb 2026: +1.90% | +0.7%Neutral MonthMar 2026: +0.71% | -0.7%Neutral MonthApr 2026: -0.65% | -0.2%Neutral MonthMay 2026: -0.20% | +1.5%Neutral MonthJun 2026: +1.46% | +9.1%Positive MonthJul 2026: +9.11% | -2.2%*Negative MonthAug 2026: -2.19% | — | — | — | — |
| 2025 | +4.4%Positive MonthJan 2025: +4.40% | +0.1%Neutral MonthFeb 2025: +0.12% | -4.3%Negative MonthMar 2025: -4.27% | -3.9%Negative MonthApr 2025: -3.90% | -1.5%Neutral MonthMay 2025: -1.48% | +7.7%Positive MonthJun 2025: +7.72% | -0.5%Neutral MonthJul 2025: -0.49% | +4.8%Positive MonthAug 2025: +4.82% | -1.0%Neutral MonthSep 2025: -0.99% | -6.0%Negative MonthOct 2025: -6.00% | +7.3%Positive MonthNov 2025: +7.25% | +3.9%Positive MonthDec 2025: +3.91% |
| 2024 | -8.0%Negative MonthJan 2024: -8.05% | -7.3%Negative MonthFeb 2024: -7.28% | +1.4%Neutral MonthMar 2024: +1.41% | -5.5%Negative MonthApr 2024: -5.48% | +11.1%Positive MonthMay 2024: +11.13% | +1.4%Neutral MonthJun 2024: +1.41% | +26.8%Positive MonthJul 2024: +26.78% | -3.3%Negative MonthAug 2024: -3.35% | +3.4%Positive MonthSep 2024: +3.40% | -2.0%Neutral MonthOct 2024: -2.00% | +15.9%Positive MonthNov 2024: +15.91% | -8.5%Negative MonthDec 2024: -8.45% |
| 2023 | +1.6%Neutral MonthJan 2023: +1.58% | -2.5%Negative MonthFeb 2023: -2.48% | -18.9%Negative MonthMar 2023: -18.85% | -3.1%Negative MonthApr 2023: -3.14% | -5.9%Negative MonthMay 2023: -5.87% | +1.3%Neutral MonthJun 2023: +1.29% | +13.8%Positive MonthJul 2023: +13.80% | -2.9%Negative MonthAug 2023: -2.89% | -4.0%Negative MonthSep 2023: -4.03% | -0.4%Neutral MonthOct 2023: -0.40% | +7.8%Positive MonthNov 2023: +7.84% | +24.0%Positive MonthDec 2023: +23.95% |
| 2022 | -1.3%Neutral MonthJan 2022: -1.29% | +8.5%Positive MonthFeb 2022: +8.55% | +2.1%Positive MonthMar 2022: +2.08% | -8.2%Negative MonthApr 2022: -8.19% | -1.4%Neutral MonthMay 2022: -1.40% | -10.7%Negative MonthJun 2022: -10.71% | -3.8%Negative MonthJul 2022: -3.78% | -2.8%Negative MonthAug 2022: -2.75% | -7.7%Negative MonthSep 2022: -7.72% | +5.9%Positive MonthOct 2022: +5.91% | -0.7%Neutral MonthNov 2022: -0.65% | -7.4%Negative MonthDec 2022: -7.44% |
| 2021 | — | — | — | — | +17.8%Positive MonthMay 2021: +17.77% | -2.7%Negative MonthJun 2021: -2.72% | +0.2%Neutral MonthJul 2021: +0.22% | +3.9%Positive MonthAug 2021: +3.85% | +0.2%Neutral MonthSep 2021: +0.16% | +1.0%Neutral MonthOct 2021: +0.97% | -2.1%Negative MonthNov 2021: -2.13% | -7.2%Negative MonthDec 2021: -7.23% |
| Avg±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation — the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position — all Januaries together, all Februaries together, and so on — to show whether a given month has leaned positive or negative historically. ‘Simple’ counts each month as +1 or −1. ‘Weighted’ gives larger moves more influence: +2 above +10%, −2 below −10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations — read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen — at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in “Average from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
