CBAN
Colony Bankcorp, Inc.
CBAN's fundamentals are strong: revenue grew 28% and its operating margin rose 2 points to 29%. At 11x earnings, it's trading right at its usual valuation. Analysts expect earnings growth.
CBAN Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CBAN's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CBAN.
CBAN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 8.9x | $20.30 | — |
| Cheap | 9.4x | $17.14 | -16% |
| Fair | 11x | $20.26 | -0.2% |
| Current | 11x | $20.30 | — |
| Expensive | 13x | $22.83 | +12% |
Historical ranges are pointers, not guarantees.
CBAN's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 8.9x next year's earnings, in its cheap range.
CBAN Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CBAN, but weaker profitability.
CBAN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.28 | +25% |
| Q3 2026 | $1.82 | +14% |
| Q2 2026 | $1.65 | +3.8% |
| Q1 2026 | $1.60 | +11% |
| Q4 2025 | $1.59 | +17% |
| Q3 2025 | $1.60 | +28% |
| Q2 2025 | $1.59 | +26% |
| Q1 2025 | $1.44 | +15% |
| Q4 2024 | $1.36 | +9.7% |
CBAN's earnings per share have climbed steadily: $1.82 over the past year, up 14% from the year before, and higher year over year for 13 quarters in a row.
CBAN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $42.6M | +30% |
| Q2 2026 | $42M | +29% |
| Q1 2026 | $39.9M | +33% |
| Q4 2025 | $36.9M | +20% |
| Q3 2025 | $32.8M | +15% |
| Q2 2025 | $32.5M | +16% |
| Q1 2025 | $30M | +6.6% |
| Q4 2024 | $30.8M | +9.2% |
CBAN's revenue has grown year over year for eight quarters in a row: $43M last quarter, up 30% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 31% | +9.1 points |
| Q2 2026 | 33% | +1.7 points |
| Q1 2026 | 26% | -1.3 points |
| Q4 2025 | 26% | -2.9 points |
| Q3 2025 | 22% | -2.4 points |
| Q2 2025 | 31% | +6.1 points |
| Q1 2025 | 28% | +3.6 points |
| Q4 2024 | 29% | +3.6 points |
CBAN's operating margin was 31% last quarter, up 9.1 points from the same quarter a year ago, near the top of its range since 2019.
CBAN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.7M | -67% |
| Q2 2026 | $8.2M | -48% |
| Q1 2026 | $53.8M | +206% |
| Q4 2025 | -$54.3M | -$50.5M |
| Q3 2025 | $14.1M | -30% |
| Q2 2025 | $15.8M | +1492% |
| Q1 2025 | $17.6M | +257% |
| Q4 2024 | -$3.8M | -174% |
CBAN's free cash flow was $12M over the past year, down 72% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CBAN.
CBAN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +60.6K shares |
| 1 year | +22% | +3.8M shares |
| 3 years | +21% | +3.7M shares |
| 5 years | +123% | +11.7M shares |
| Available history | +132% | +12.1M shares |
CBAN has 21M diluted shares, up 22% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $1.8M |
| Q4 2025 | $779,000 |
| Q3 2025 | — |
| Q2 2025 | $959,000 |
| Q1 2025 | $630,000 |
| Q4 2024 | $540,000 |
CBAN spent $3M buying back its own shares over the past year, up 20% from the year before.
CBAN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 8.5x | High |
| Q2 2026 | 7.4x | High |
| Q1 2026 | 9.2x | High |
| Q4 2025 | 5.4x | High |
| Q3 2025 | 9.7x | High |
| Q2 2025 | 9.7x | High |
| Q1 2025 | 11.1x | High |
| Q4 2024 | 5.9x | High |
CBAN's net debt is about 8.5 years of its operating earnings (EBITDA), down from 9.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CBAN.
CBAN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.0 | Neutral |
| Stochastic | 25.3 | Neutral |
CBAN's weekly RSI is 48 (neutral) and its Stochastic is 25 (neutral).
CBAN PE vs Financial Services Sector
| Metric | CBAN | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 50 | 63 | 13 pts below |
CBAN is trading at 11x earnings, a 14% discount to the Financial Services sector's median of 13x.
CBAN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $20.3 | 0.2% above |
| 20 week MA | $20.9 | 2.9% below |
| 50 week MA | $20.1 | 0.9% above |
| 100 week MA | $18.2 | 12% above |
| 200 week MA | $15.1 | 34% above |
CBAN's trend is mixed: it's above four of its five weekly moving averages, and 34% above its 200-week average.
CBAN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $16.5 | $14.1 | -14% |
| 2021 | $14.1 | $16.8 | +19% |
| 2022 | $16.8 | $12.9 | -23% |
| 2023 | $12.9 | $13.3 | +3.1% |
| 2024 | $13.3 | $16.3 | +22% |
| 2025 | $16.3 | $18.1 | +11% |
| 2026 YTD | $18.1 | $20.3 | +12% |
CBAN has finished higher in four of the last six years. It's up 12% so far in 2026.