Stocks · Financial Services · Banks - Regional
Colony Bankcorp, Inc. CBAN
$20.45 +0.79% Close, Oct 2, 2026 · NYSE · Market cap $432.7M
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 21.2% in a year.
- Net debt is 9.2× EBITDA, a high level of leverage.
- The shares trade at 12.4× trailing earnings, higher than 86% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 10%
- EPS growth (TTM, YoY)Bottom 32%
- FCF growth (TTM, YoY)Bottom 9%
- Revenue growth, 3-year CAGRBottom 46%
- Revenue growth accelerationBottom 7%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 34%
- Gross marginBottom 36%
- Operating marginBottom 25%
- Cash conversion (OCF / net income)Bottom 28%
- Accruals (lower is better)Bottom 28%
- Net debt / EBITDA (lower is better)Bottom 14%
- Interest coverBottom 17%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 36%
- Free-cash-flow yieldBottom 36%
- EBITDA / enterprise valueBottom 32%
- Sales / enterprise valueBottom 35%
- P/E vs own 5-year history (lower is better)Bottom 19%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 28%
- 6-month returnBottom 29%
- 1-year return vs S&P 500Top 30%
- Distance from 52-week highTop 44%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 29%
- Consecutive EPS beatsBottom 43%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 50%
- Maximum drawdown, 3 yearsTop 29%
- Beta vs S&P 500 (lower is better)Bottom 41%
- Net debt / EBITDA (lower is better)Bottom 14%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 11.0% | -12.9% | ↓ |
| EPS growth (YoY) | 11.9% | 4.4% | ↓ |
| Gross margin | 65.0% | 59.2% | ↓ |
| Operating margin | 18.7% | 11.6% | ↓ |
| FCF margin | 27.3% | 14.2% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -12.9% | 11.0% | ↓ | Bottom 10% |
| EPS growth (TTM, YoY) | 4.4% | 11.9% | ↓ | Bottom 32% |
| Gross margin | 59.2% | 65.0% | ↓ | Bottom 36% |
| Operating margin | 11.6% | 18.7% | ↓ | Bottom 25% |
| Net margin | 20.6% | 15.2% | ↑ | — |
| Free-cash-flow margin | 14.2% | 27.3% | ↓ | — |
| Return on invested capital | 0.4% | — | Bottom 34% | |
| Revenue growth, 3-year CAGR | 13.7% | — | Bottom 46% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.73×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 9.18×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.10%
- Net buyback yield (TTM)
- 0.64%
- Shareholder yield
- 2.74%
- Share count change, 1 year
- +21.2%
- Share count change, 3-year CAGR
- +6.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- -0.2%
- Average 2-day reaction, last 8
- +0.2%
- Positive 20 days after report
- 5 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +8.3% | -1.4% | +6.5% | +5.6% | — |
| Apr 22, 2026 | -13.3% | +0.9% | -2.4% | -6.0% | +1.7% |
| Jan 28, 2026 | +4.3% | +0.3% | +10.8% | +10.8% | +7.9% |
| Oct 22, 2025 | +0.0% | +1.1% | -1.1% | -2.0% | +12.7% |
| Jul 23, 2025 | +15.0% | +0.4% | -6.3% | -7.5% | -5.0% |
| Apr 23, 2025 | -5.0% | +1.6% | +2.4% | +3.4% | +15.1% |
| Jan 22, 2025 | +37.5% | -2.0% | +6.8% | +9.7% | -8.3% |
| Oct 23, 2024 | -3.0% | +1.1% | -0.9% | +11.4% | +5.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.52 | $0.48 | +8.3% | $41.5M |
| Apr 22, 2026 | $0.39 | $0.45 | -13.3% | $39.9M |
| Jan 28, 2026 | $0.48 | $0.46 | +4.3% | $36.9M |
| Oct 22, 2025 | $0.47 | $0.47 | +0.0% | $32.8M |
| Jul 23, 2025 | $0.46 | $0.40 | +15.0% | $32.5M |
| Apr 23, 2025 | $0.38 | $0.40 | -5.0% | $30.0M |
| Jan 22, 2025 | $0.44 | $0.32 | +37.5% | $30.8M |
| Oct 23, 2024 | $0.32 | $0.33 | -3.0% | $28.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.4× | 10.5× | 86th | Top 36% |
| P/E (forward) | 10.1× | — | — | — |
| EV / EBITDA | 28.3× | — | — | Bottom 32% |
| EV / Sales | 4.03× | — | — | Bottom 35% |
| Free-cash-flow yield | 5.20% | — | — | Bottom 36% |
| Earnings yield | 8.07% | — | — | Top 36% |
P/E over the past five years
Range 8.2× – 13.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +21.7%
- Earnings per share growth (TTM)
- +4.4%
- Change in P/E multiple
- +32.9%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 2
- 50-day average slope (20 days)
- +0.8%
- 200-day average slope (20 days)
- +1.9%
- Distance from 50-day average
- -4.4%
- Distance from 200-day average
- +1.2%
- RSI (14)
- 40.2
- Relative volume
- 0.64×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.5%
- Volatility vs own 5-year history
- 16th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.77
- Correlation with S&P 500
- 0.46
- Current drawdown from 1-year high
- -8.2%
- Maximum drawdown, 3 years
- -21.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 1, 2021 | May 11, 2023 | -54.7% | 383 days | 675 days (Jan 21, 2026) |
| May 24, 2021 | Sep 17, 2021 | -10.1% | 81 days | 10 days (Oct 1, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $432.7M
- P/E (TTM)
- 12.4
- EPS, diluted (TTM)
- $1.65
- Revenue (TTM)
- $158.9M
- Dividend yield
- 2.32%
- 52-week range
- $15.80 – $22.46
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $106.9M | $126.6M | $160.6M | $176.6M | $186.1M |
| Gross profit | $101.8M | $112.3M | $110.3M | $112.4M | $123.6M |
| Operating income | $23.2M | $22.9M | $27.2M | $29.6M | $35.1M |
| Net income | $18.7M | $19.5M | $21.7M | $23.9M | $28.3M |
| EPS (diluted) | $1.66 | $1.14 | $1.24 | $1.36 | $1.59 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $44.7M | $46.3M | $44.6M | $46.9M | $47.0M | $51.7M | $52.3M | $7.9M |
| Net income | $5.6M | $7.4M | $6.6M | $8.0M | $5.8M | $7.8M | $8.2M | $10.9M |
| EPS (diluted) | $0.32 | $0.42 | $0.38 | $0.46 | $0.33 | $0.42 | $0.39 | $0.51 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $36.1M | $49.7M | $21.0M | $23.4M | -$5.5M |
| Capital expenditure | -$5.8M | -$2.9M | -$3.6M | -$1.1M | -$1.4M |
| Free cash flow | $30.3M | $46.8M | $17.4M | $22.3M | -$6.9M |
| Dividends paid | -$4.5M | -$7.2M | -$7.7M | -$7.9M | -$8.0M |
| Net share buybacks | $0 | $59.5M | -$406,000 | -$1.3M | -$2.4M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $25.3M
- Total assets
- $3.63B
- Total liabilities
- $3.24B
- Total debt
- $233.2M
- Net debt
- $207.9M
- Shareholders’ equity
- $390.0M
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 5, 2026 | $0.12 | Aug 19, 2026 |
| May 6, 2026 | $0.12 | May 20, 2026 |
| Feb 11, 2026 | $0.12 | Feb 25, 2026 |
| Nov 5, 2025 | $0.12 | Nov 19, 2025 |
| Aug 6, 2025 | $0.12 | Aug 20, 2025 |
| May 7, 2025 | $0.12 | May 21, 2025 |
| Feb 5, 2025 | $0.12 | Feb 19, 2025 |
| Nov 6, 2024 | $0.11 | Nov 20, 2024 |
Short interest
- Shares sold short
- 1,070,516
- Days to cover
- 10.10
- Change vs previous report
- +1.4%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 17, 2005
- 5-for-4
- Sep 16, 2003
- 5-for-4
- Apr 16, 1999
- 2-for-1