CBANNYSEState Commercial BanksFiscal year ends December 31
COLONY BANKCORP INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026
$19.71−0.06 (-0.30%)
Close on Oct 19, 2026
- Market cap
- $417.07M
- P/E (TTM)
- 51.9
- Dividend yield
- 0.58%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
22.0%+7.2 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -74.0% | -36.2% | -17.7% | -4.3% | |
| Net income | -72.3% | -30.3% | -11.0% | -2.3% | |
| EPS, diluted | -72.1% | -30.7% | -21.1% | -6.1% | |
| Dividend per share | -75.0% | -35.6% | -22.1% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 9.2% | 8.6% | 2.0% | |
| Return on assets | 0.7% | 0.7% | 0.2% | |
| Capex to revenue | 6.8% | 5.3% | 4.5% | |
| Diluted shares | 9M | 9M | 18M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Colony Bankcorp generated $135.77M from operations and spent $54.68M on capital expenditure, dividends and share buybacks. 27% of that went back into the business.
Generated
$135.77M
Used
$54.68M
Capital expenditure$14.79M27%Dividends$35.28M65%Share buybacks$4.62M8%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin22.0%
×Asset turnover0.01×
×Equity multiplier10.46×
=Return on equity, FY20252.0%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 22.0% | 0.01× | 10.46× | 2.0% |
| FY2024 | 20.7% | 0.04× | 11.55× | 8.9% |
| FY2023 | 19.1% | 0.04× | 12.35× | 9.0% |
| FY2022 | 16.9% | 0.04× | 12.56× | 8.7% |
| FY2021 | 18.2% | 0.05× | 12.30× | 10.3% |
| FY2020 | 14.9% | 0.05× | 11.92× | 8.6% |
| FY2019 | 16.5% | 0.04× | 12.23× | 9.0% |
| FY2018 | 23.6% | 0.04× | 13.36× | 12.8% |
| FY2017 | 15.9% | 0.04× | 13.30× | 8.4% |
| FY2016 | 18.2% | 0.04× | 12.63× | 9.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
2of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$6.61M
- Cash generatingOperating cash flow above zero-$5.55M
- Return on assets improvedROA up on the prior year0.8% → 0.2%
- Earnings backed by cashOperating cash flow above net income-$5.55M vs $6.61M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise18M → 18M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.01