Colony Bankcorp Inc. (CBAN)

From the record

Colony Bankcorp Inc.'s filings since 2017 show 3 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2024-11-05); an auditor change (8-K item 4.01, the latest 2021-04-13); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2020-03-16) (its current reports).

From the record

Colony Bankcorp Inc.'s 10 filed years say what it did: revenue went from $45 million in fiscal 2016 to $150 million in fiscal 2025, up 14.4% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Colony Bankcorp Inc.'s diluted share count grew about 1.1% a year, and dividends and buybacks returned about 71% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 22 purchases of their own stock on the open market in the year to 2026-11-05, buying about $344 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Colony Bankcorp Inc. earned about 8 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count grew 1.3% over the year (the filed statements).

From the record

Colony Bankcorp Inc.'s standing among 155 graded names in its industry family: revenue of $150 million in fiscal 2025 ranks in the bottom 29% by size; a net margin of 18.8% ranks in the bottom 40%; revenue growth of 17.9% a year over the last 3 filed years ranks in the top 47% (its annual reports).

From the record

Colony Bankcorp Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Fountain, T Heath (President and CEO, as filed), filing under that title since 2018-08-13, 8.3 years (top 46% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 5.3 years (bottom 19%); 12 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (bottom 7%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Colony Bankcorp Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $258 million against debt of $258 million leaves 0% of its assets as net cash, bottom 11% of its family; cash from operations less capital spending is -4.6% of revenue (bottom 4%) (its annual report).

From the record

Colony Bankcorp Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 17.9% a year over the last three filed years against 14.4% over all 10, speeding up (bottom 46% of its family); the newest year grew 9.3% (top 29%); capital spending grew -22.4% a year (bottom 16%) (its annual reports). Colony Bankcorp Inc. reported 3 lines of business in fiscal 2025: Mortgage at $7 million, Bank at $109 thousand, Small Business Specialty Lending Division at $0 thousand. 3 of 3 grew in the latest filed year, and the largest line is 99% of revenue (its annual report).

From the record

Colony Bankcorp Inc.'s newest year against its own record: revenue of $150 million in fiscal 2025 came in 10.8% below the $168 million its prior three years' pace pointed to (top 34% of its family); net income of $28 million against a prior three-year average of $22 million (top 23%); a net margin of 18.8% against 18.7% before (top 21%) (its annual reports).