Colony Bankcorp, Inc. (CBAN) Stock

Colony Bankcorp, Inc. (CBAN) is a Financials stock trading at $21.43 (as of 2026-08-21), with a market capitalization of $454.77M and a trailing P/E of 13.6. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Colony Bankcorp, Inc. is the bank holding company for Colony Bank, providing deposit products and a range of loan services to commercial and consumer customers, including loans for residential and commercial construction, commercial real estate, agricultural business, and residential mortgage and home equity. It also offers internet and telephone banking, electronic bill payment, safe deposit boxes, card services, and remote deposit services with access to an ATM network.

Understand Colony Bankcorp, Inc.: how it makes money

Colony Bankcorp, Inc. is the bank holding company for Colony Bank, it provides deposit products and a range of loans (including commercial and consumer, residential mortgage, and home equity) plus internet banking services, and it makes money primarily through lending and related mortgage and specialty lending activity.

Its profit engine centers on originating and lending across multiple categories (including residential mortgage and commercial loans), while credit quality shows up in loan and asset health metrics like Nonperforming Assets, Non-Performing Loans, Criticized Loans, and Classified Loans.

Business quality (Solid): Good operating visibility into credit-related KPIs, but the provided data does not include a clean, official, mutually exclusive revenue segment breakdown for the quarter.

Valuation: At 12× earnings, CBAN trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Credit metrics are tracked with specific disclosures, with Nonperforming Assets of 0.02 USD_B and Non-Performing Loans of 0.01 USD_B in the latest quarter: That level of KPI granularity can help investors monitor asset quality changes over time.
The company reports sizable client-facing wealth/asset management figures, including Assets Under Management of 0.46 USD_B and Colony Financial Advisors Assets Under Management of 0.56 USD_B: This indicates an additional revenue-supporting activity alongside traditional lending and deposit products.

Bear case

Credit risk indicators include Criticized Loans of 0.06 USD_B and Classified Loans of 0.03 USD_B: If these categories worsen, they can pressure future earnings through higher losses or reduced credit availability.
The company discloses specific exposure metrics and origination activity, including Non-Recourse Office Sector Loans Percentage of 9.0 percent and Mortgage Production of 0.09 USD_B: Concentrated exposure areas or shifts in mortgage production and sales (Mortgage Sales Volume of 0.06 USD_B) could make results more sensitive to credit and housing-cycle changes.

Valuation — source: SEC EDGAR (first-party)
Price	$21.43
Market Cap	$454.77M
P/E Ratio	13.6
EV / EBITDA	6.8
Price / Book	1.17
Price / Sales	2.72
FCF Yield	13.5%
DCF Value (model)	$19.52
DCF Upside vs Price	-8.9%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$149.95M
Net Margin	18.8%
Revenue Growth (YoY)	24.3%
EPS Growth (YoY)	10.9%
FCF Growth (YoY)	293.4%

Valuation vs Sector & Industry
Stock P/E	13.6
Sector P/E (Financials)	15.1
Industry P/E (Banking)	13.0
vs Sector	-10.1%
vs Industry	4.6%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Insider Buys (12mo)	7
Insider Sells (12mo)	1
Top Institutional Holder	Fourthstone LLC ($41.24M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	T. Heath Fountain
Employees	443
Country	US
IPO Date	1998-04-02

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.