Colony Bankcorp, Inc. (CBAN)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Colony Bankcorp, Inc. (CBAN) trades at $20.57 with AI Score 69/100 (Grade B+). Colony Bankcorp, Inc. is a community-focused bank holding company operating primarily in Georgia. Market cap: $366.04M, Sector: Financial services.
Price live · AI analysis from May 10, 2026CBAN stock analysis for 2026: Analysts have set a consensus price target of $22.75 for Colony Bankcorp, Inc., suggesting 10.6% upside from the current price of $20.57. The AI MoonshotScore is 69/100, indicating a bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
CBAN: 1/1 perspectives are bullish.
How is this calculated? →Colony Bankcorp, Inc. (CBAN) Financial Services Profile
Colony Bankcorp, Inc., operating as Colony Bank, provides banking products and services to commercial and consumer customers in Georgia. With a focus on community banking, the company offers a range of deposit and loan products, leveraging a network of 39 locations and digital services, reflected in its P/E ratio of 14.1 and a dividend yield of 2.37%.
What Is the Investment Thesis for CBAN?
Colony Bankcorp, Inc. presents a compelling investment case rooted in its established presence in the Georgia banking market and its focus on community-oriented banking services. With a market capitalization of $366.04M and a P/E ratio of 14.1, CBAN demonstrates a stable financial profile. The company's dividend yield of 2.37% provides an attractive income stream for investors. Key to the investment thesis is Colony Bankcorp's ability to leverage its local market knowledge and customer relationships to drive loan growth and deposit expansion. The company's 15.1% profit margin indicates efficient operations and profitability. Catalysts include ongoing expansion within Georgia and strategic investments in digital banking to enhance customer experience. Potential risks include interest rate fluctuations and economic downturns affecting loan performance.
Based on FMP financials and quantitative analysis
CBAN Key Highlights
- Market Cap of $366.04M reflects a solid valuation within the regional banking sector.
- P/E Ratio of 14.1 indicates a reasonable valuation compared to earnings.
- Profit Margin of 15.1% demonstrates efficient operations and profitability.
- Gross Margin of 68.5% suggests effective cost management and revenue generation.
- Dividend Yield of 2.37% provides an attractive income stream for investors.
Who Are CBAN's Competitors?
CBAN is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| LRBI Lake Ridge Bancorp Inc. | $143.25 | +0.00% | $281.73M | 67 |
| HMST HomeStreet, Inc. | $13.87 | +1.84% | $262.43M | 66 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CBAN's Key Strengths?
- Strong local presence in Georgia.
- Established relationships with customers.
- Expertise in agri-business lending.
- Focus on community involvement.
What Are CBAN's Weaknesses?
- Limited geographic diversification.
- Smaller size compared to larger regional banks.
- Dependence on the Georgia economy.
- Potential vulnerability to interest rate fluctuations.
What Could Drive CBAN Stock Higher?
- Potential acquisitions of smaller community banks in Georgia to expand market share.
- Continued investment in digital banking platforms to enhance customer experience and attract new customers.
- Expansion of small business lending initiatives to drive loan growth and support the local economy.
- Focus on agri-business lending to leverage expertise and support the agricultural community.
What Are the Key Risks for CBAN?
- Financial-distress signal — its Altman Z-Score of 0.20 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns in Georgia affecting loan performance and asset quality.
- Interest rate fluctuations impacting net interest margin and profitability.
- Increased competition from larger regional and national banks.
- Regulatory changes impacting the banking industry and compliance costs.
- Cybersecurity threats and data breaches compromising customer information.
What Are the Growth Opportunities for CBAN?
- Expansion within Georgia: Colony Bankcorp has the opportunity to expand its presence within Georgia by opening new branches and acquiring smaller community banks. The Georgia banking market is attractive due to its growing population and strong economy. By increasing its geographic footprint, Colony Bankcorp can reach new customers and increase its market share. This expansion strategy aligns with the company's focus on community banking and personalized service. The timeline for this growth opportunity is ongoing, with potential for significant expansion over the next 3-5 years.
- Digital Banking Initiatives: Investing in digital banking technologies can enhance customer experience and attract new customers. By offering mobile banking, online account management, and other digital services, Colony Bankcorp can compete with larger banks and fintech companies. This initiative can also improve operational efficiency and reduce costs. The market for digital banking services is growing rapidly, with increasing adoption among consumers and businesses. The timeline for this growth opportunity is immediate, with ongoing investments in technology expected to drive growth over the next 1-3 years.
- Small Business Lending: Focusing on lending to small and medium-sized businesses (SMBs) can drive loan growth and increase profitability. SMBs are a key segment of the Georgia economy, and Colony Bankcorp's local market knowledge and customer relationships give it a competitive advantage in serving this segment. By offering tailored loan products and personalized service, Colony Bankcorp can attract and retain SMB customers. The market for SMB lending is substantial, with significant demand for financing from businesses of all sizes. The timeline for this growth opportunity is ongoing, with continuous efforts to expand the SMB lending portfolio.
- Wealth Management Services: Expanding into wealth management services can diversify revenue streams and attract high-net-worth clients. By offering financial planning, investment management, and trust services, Colony Bankcorp can provide a comprehensive suite of financial solutions to its customers. This initiative can also increase customer loyalty and retention. The market for wealth management services is growing, driven by increasing wealth and demand for financial advice. The timeline for this growth opportunity is medium-term, with potential for significant growth over the next 3-5 years.
- Agri-Business Lending: Leveraging its expertise in agri-business lending can drive loan growth and support the local agricultural community. Georgia has a significant agricultural sector, and Colony Bankcorp's experience in this area gives it a competitive advantage. By offering specialized loan products and personalized service to farmers and agricultural businesses, Colony Bankcorp can strengthen its ties to the community and increase its market share. The market for agri-business lending is stable, with consistent demand for financing from agricultural businesses. The timeline for this growth opportunity is ongoing, with continuous efforts to expand the agri-business lending portfolio.
What Opportunities Does CBAN Have?
- Expansion within Georgia.
- Investment in digital banking technologies.
- Growth in small business lending.
- Expansion into wealth management services.
What Threats Does CBAN Face?
- Competition from larger regional and national banks.
- Economic downturns affecting loan performance.
- Regulatory changes impacting the banking industry.
- Cybersecurity risks and data breaches.
What Are CBAN's Competitive Advantages?
- Strong local presence and brand recognition in Georgia.
- Established relationships with customers and communities.
- Expertise in agri-business lending.
- Focus on personalized service and community involvement.
What Does CBAN Do?
Founded in 1975 and headquartered in Fitzgerald, Georgia, Colony Bankcorp, Inc. has evolved into a prominent community bank serving the financial needs of individuals and businesses across Georgia. As the holding company for Colony Bank, the institution provides a comprehensive suite of banking products and services, including an array of deposit options such as demand, savings, and time deposits, tailored to meet diverse customer preferences. Colony Bank extends its financial support through a variety of loan products, catering to small and medium-sized businesses, residential and commercial construction projects, land development initiatives, and commercial real estate ventures. The bank also offers specialized loans for agri-business and production, alongside residential mortgage, home equity, and consumer loans, ensuring a broad spectrum of financing solutions. Beyond traditional banking services, Colony Bank embraces modern technology to enhance customer convenience, providing internet banking, electronic bill payment services, and telephone banking. Customers can also access safe deposit box rentals, credit and debit card services, and remote depository products. With 39 locations strategically positioned throughout Georgia as of January 20, 2022, Colony Bank maintains a strong local presence, fostering close relationships with its customers and communities. The bank's commitment to personalized service and community involvement underscores its mission to be a trusted financial partner for individuals and businesses alike.
What Products and Services Does CBAN Offer?
- Provides a range of deposit products, including checking, savings, and money market accounts.
- Offers commercial loans to small and medium-sized businesses.
- Provides residential and commercial construction and land development loans.
- Offers commercial real estate loans.
- Provides agri-business and production loans.
- Offers residential mortgage and home equity loans.
- Provides consumer loans.
- Offers internet banking, electronic bill payment, and other digital services.
How Does CBAN Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other services.
- Manages risk through credit analysis and loan diversification.
- Focuses on building long-term relationships with customers in Georgia.
What Industry Does CBAN Operate In?
Colony Bankcorp, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing a digital transformation, with banks increasingly investing in technology to enhance customer experience and streamline operations. Colony Bankcorp's focus on community banking and personalized service positions it well to compete in this environment. The regional banking sector is influenced by macroeconomic factors such as interest rates, economic growth, and regulatory changes. Colony Bankcorp's ability to adapt to these changes will be crucial for its long-term success.
Who Are CBAN's Key Customers?
- Small and medium-sized businesses in Georgia.
- Individuals and families in Georgia.
- Commercial real estate developers.
- Agricultural businesses and farmers.
Company Profile
Colony Bankcorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Fitzgerald, US. The company is led by CEO Roy Dallis Copeland Jr.. CBAN has traded publicly since 1998.
Colony Bankcorp, Inc. Financial Trajectory
Colony Bankcorp, Inc. (CBAN) reported $52.3M in revenue for Q1 2026, reflecting 1.1% growth compared to the prior quarter. The company recorded net income of $8.2M, with diluted EPS of $0.39. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this small-cap Financial Services company. Across the four most recent quarters, CBAN averaged $0.40 in diluted EPS.
How Colony Bankcorp, Inc. Is Valued
Colony Bankcorp, Inc. carries a market capitalization of $366.04M, placing it in the small-cap category. Relative to its peer group, CBAN's quantitative score of 69/100 is roughly in line with the peer average of 68/100.
ROE 9%Key Financial Metrics
Return on equity for Colony Bankcorp, Inc. stands at 8.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. CBAN trades at a trailing price-to-earnings ratio of 14.11, below the Financial Services sector average of ~18x. Its free cash flow yield is 8.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.45 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.0%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 8/9Financial Health
Colony Bankcorp, Inc.'s Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.20 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Colony Bankcorp, Inc. revenue of about $173.3M for fiscal 2026, with EPS near $1.98.
CBAN Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in Colony Bankcorp's future, indicating that leadership believes in the company's growth potential.
- Community sentiment has shifted positively, with discussions highlighting improved customer service and community engagement as key strengths.
- The bank's expansion into new markets has generated excitement, with many seeing this as a strategic move to capture more clients and increase revenue.
- Recent partnerships and collaborations have been well-received, showcasing the bank's commitment to innovation and adaptability in a changing financial landscape.
Bear Case
- Concerns about rising interest rates linger, with some investors worried about their impact on loan demand and profitability.
- Negative sentiment has emerged around regional banking stability, leading to cautious approaches from potential investors and customers alike.
- A few analysts have raised flags about the bank's loan portfolio quality, suggesting it may not be as robust as previously thought.
- Community discussions have highlighted a lack of transparency in recent financial disclosures, causing some investors to question management's credibility.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $52M | $8M | $0.39 |
| Q4 2025 | $52M | $8M | $0.42 |
| Q3 2025 | $47M | $6M | $0.33 |
| Q2 2025 | $47M | $8M | $0.46 |
Based on FMP financials and quantitative analysis
CBAN Latest News
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Earnings Scheduled For April 22, 2026
benzinga · Apr 22, 2026
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Stocks That Hit 52-Week Lows On Tuesday
· Mar 24, 2020
CBAN Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CBAN.
Price Targets
Consensus target: $22.75
CBAN MoonshotScore
What does this score mean?
The MoonshotScore rates CBAN's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest Colony Bankcorp, Inc. Analysis
Leadership: T. Heath Fountain
CEO
T. Heath Fountain serves as the CEO of Colony Bankcorp, Inc., bringing extensive experience in the banking and financial services industry. His career includes various leadership roles within community banking, focusing on strategic growth, operational efficiency, and customer relationship management. Fountain's background encompasses a deep understanding of the Georgia banking market and a commitment to community development. He is actively involved in local business and civic organizations, reflecting his dedication to the communities Colony Bank serves. His leadership emphasizes a customer-centric approach and a focus on sustainable growth.
Track Record: Under T. Heath Fountain's leadership, Colony Bankcorp has focused on expanding its market presence within Georgia, enhancing its digital banking capabilities, and strengthening its relationships with local businesses and communities. Key achievements include strategic branch expansions, improved operational efficiency, and increased customer satisfaction. Fountain has also overseen the implementation of new technologies to enhance the customer experience and drive growth. His tenure has been marked by a commitment to sustainable growth and a focus on delivering value to shareholders.
Common Questions About CBAN (Financial Services)
What does Colony Bankcorp, Inc. do?
Colony Bankcorp, Inc., through its subsidiary Colony Bank, provides a comprehensive suite of banking products and services to commercial and consumer customers primarily in Georgia. These offerings include a variety of deposit accounts, such as checking, savings, and time deposits, as well as a diverse range of loan products tailored to meet the needs of small and medium-sized businesses, residential and commercial construction projects, and agricultural enterprises. The company also provides digital banking services, credit and debit cards, and other financial solutions, focusing on personalized service and community involvement.
What do analysts say about CBAN stock?
Analyst coverage of Colony Bankcorp, Inc. (CBAN) typically focuses on the company's financial performance, growth prospects, and valuation relative to its peers in the regional banking sector. Key valuation metrics such as the P/E ratio of 14.1, profit margin of 15.1%, and dividend yield of 2.37% are closely monitored. Analysts consider the company's ability to generate loan growth, manage credit risk, and adapt to changing economic conditions. Growth considerations include expansion within Georgia, investment in digital banking, and diversification of revenue streams. The consensus view reflects a neutral assessment of CBAN's potential, emphasizing the importance of execution and market conditions.
What are the main risks for CBAN?
Colony Bankcorp, Inc. faces several key risks inherent to the banking industry and specific to its operations. Economic downturns in Georgia could negatively impact loan performance and asset quality. Interest rate fluctuations pose a risk to net interest margin and profitability. Increased competition from larger regional and national banks could erode market share. Regulatory changes impacting the banking industry could increase compliance costs. Cybersecurity threats and data breaches pose a risk to customer information and the company's reputation. Effective risk management and mitigation strategies are crucial for CBAN to navigate these challenges.
What is Colony Bankcorp, Inc.'s credit quality and risk management approach?
Colony Bankcorp, Inc.'s credit quality is a critical factor in its financial stability and performance. The company's loan portfolio quality is assessed through various metrics, including non-performing loans, loan loss reserves, and charge-off rates. Colony Bankcorp employs a risk management framework that includes credit analysis, loan diversification, and monitoring of economic conditions. Provision levels are maintained to cover potential loan losses. The company's risk management approach aims to balance loan growth with prudent risk management practices, ensuring the long-term health of its loan portfolio and overall financial stability.
How is Colony Bankcorp, Inc. adapting to fintech disruption?
Colony Bankcorp, Inc. is adapting to the ongoing fintech disruption by investing in digital banking technologies and enhancing its online and mobile banking platforms. These initiatives aim to improve customer experience, streamline operations, and attract new customers. Colony Bankcorp is also exploring partnerships with fintech companies to offer innovative financial solutions. By embracing digital transformation, the company seeks to remain competitive in the evolving banking landscape and meet the changing needs of its customers. This includes offering services such as mobile banking, online account management, and electronic bill payment.
What are the key factors to evaluate for CBAN?
Colony Bankcorp, Inc. (CBAN) holds an AI score of 69/100 (moderate). P/E: 14.1x vs the S&P 500's ~20-25x. Analysts target $22.75 (+11%). Not financial advice.
How frequently does CBAN data refresh on this page?
CBAN prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CBAN's recent stock price performance?
Colony Bankcorp, Inc. (CBAN) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Georgia. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-10.
- Financial data may be subject to change.