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Colony Bankcorp, Inc. (CBAN)
NYSEFinancialsBanks - RegionalSnapshot 2026-06-16
Intact
$20.73-0.10%
Close 2026-06-16 · 1-day change
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
The bottom line
Recent financial performance is neutral, while earnings quality is robust, cash backs up reported profits. Management's recent track record has been fairly steady, and the company has a capital-friendly stance. However, the sector backdrop is a headwind, and risk is moderate. Peer multiples imply a price about 7% above where it trades (it looks cheap on this basis); the read is fair, priced roughly in line with peer multiples. This assessment is provisional.
as of 2026-06-16
Quick facts
- Exchange
- NYSE
- Sector
- Financials
- Industry
- Banks - Regional
- Market cap
- $446.89M
- Employees
- 526
- IPO date
- 1995-11-08
- Next earnings
- 2026-07-22
Price
Daily closes. Earnings/event dots are placed inline.
Adjusted daily closes (split & dividend). Scroll over the chart to zoom; click a range to reset.
EarningsMaterial event
What's priced in
(what the market already expects)What it's worth (estimated)
A consensus fair price across 5 valuation methods, at three horizons. Current price $20.73. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
12-month· primaryfair
$22.50consensus
Range $21.49 – $22.62
vs price: -8% below
Method agreement — · 5 methods
No-growth: today's peer multiple on trailing earnings. The headline read.
3-yearinexpensive
$35.77consensus
Range $24.49 – $36.47
vs price: -42% below
Method agreement — · 3 methods
Embeds projected growth. Leans optimistic by design. Upside context.
5-yearinexpensive
How much to trust our fair value
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
Cheap vs peershigh confidence
At $21 CBAN trades at 11× p/e, below its 12× p/e peer median. Our $22 fair value sits above the price; high confidence. Not investment advice.
Multiple (P/E)
11.2x
peer 12.2x · own history —
Premium
0.9x peer
Growth the price needs
-7%
our forecast 20%
Our fair value
$22.29
range $21.20 – $22.60
How this stock is priced
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Long-term · 1–3 yr
fair12-month view
What's priced inJustified
The price implies about 7% below a flat-multiple fair value, below our forecast of about 20%. This describes what's priced in, not a forecast of the move.
Low fragilityrisk posture, not a price call
Only a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
Historical context
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Compared to peers
How strong is the business
(quality & execution)Factor signals
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Recent financial performance
neutralOperating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=4936).
65th pctl · Financials
Earnings quality
robustOver the trailing year it converted 3.58x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 54% for the rest of the cohort, n=3541).
90th pctl · Financials
Macro sensitivity
Most sensitive to the broad stock market.
- the broad stock market: This stock moves with the broad market (high beta).
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity.
Management & capital allocation
neutralEarnings setup & market context
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
Earnings setup · pre-print positioning
forward-looking
Strongly bearishEPS revised -4.0% / 30d, n=2for period ending 2026-06-30
Why this setup
Consensus revisions
EPS estimate $0.50 → $0.48 (-4.0% / 30d). 0 raised, 1 cut, 2 covering analysts.
Rating actions
0 upgrades, 0 downgrades / 30d. 100% of analysts rate Buy.
Sector context
Intermediate · WeeklySector phase: financials is in growth, with decelerating (~3.2 years in phase).
Sector regime (90d momentum): headwind.Secular epoch: Growth by revenue growth · theme capital-markets/rates.Management scorecard
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Long-term · 1–3 yr
Overall: neutral
- Capital allocation
- weak
- Earnings discipline
- neutral
- Margin discipline
- strong
- Balance sheet
- neutral
- Post-call reaction
- weak
A guidance track record builds as the company issues and delivers on guidance.
as of 2026-06-16
How bumpy is the path
(risk while you hold it)Risk: how this stock moves
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
Intermediate · WeeklyLong-term · 1–3 yr
On a typical day, $10k can swing ±$76.
How much price usually moves either way.
On a bad day, this stock has moved -$225.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,276.
Deepest peak-to-trough drop in the last year.
moderateas of 2026-06-16
Past results, not a forecast. Not investment advice.
What would change the read
(catalysts & re-read triggers)What changed
The most important moves since the prior daily snapshot.
Short-term · Daily
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-06-16
What to watch next
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Intermediate · Weekly
- DownsideMedium confidenceMonthsactive 4d
Watch for revenue growth dropping below its median
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector. This would affect Colony Bankcorp's performance.
What confirms / what disproves
Confirms:Revenue growth falls below the median of 15% year over year.
Disproves:Revenue growth remains at or above the median of 15% year over year.
Sector context
News catalysts
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for CBAN yet.
This sector is also watching
- Watch for revenue growth dropping below 10% across major banks
What could change this view
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Intermediate · Weekly
Upside triggers
No upside scenarios in the latest snapshot.
Downside triggers
No downside scenarios in the latest snapshot.
Recent events
(material 8-K / filing activity)Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-04-221mo agoItem 2.02
Results of Operation and Financial Condition On April 22, 2026, Colony Bankcorp, Inc. issued a press release announcing its consolidated financial results for the first quarter ended March 31, 2026, as well as the announcement of a regular quarterly cash dividend. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.
Earnings preannouncementneutral
Score history
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
+1.3 vs last weeklatest as of 2026-06-16
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.