COLONY BANKCORP INC (CBAN)
Financials · regional banking · NYSE
Colony Bankcorp is a regional bank holding company providing diversified financial services across the Southeastern United States with a focus on organic and acquisition-driven growth.
What COLONY BANKCORP INC does
Colony Bankcorp, Inc. is a bank holding company that provides a broad array of commercial and consumer banking services through its subsidiary, Colony Bank. The company operates across Georgia, Alabama, and Florida, offering specialized solutions including mortgage lending, government-guaranteed small business lending, wealth management, insurance, and merchant services.
Recent developments
The company announced a strategic partnership to merge with First Reliance Bancshares, Inc., with a legal close expected in the fourth quarter of 2026. In the second quarter of 2026, the company achieved an operating return on average assets of 1.20% and increased its quarterly cash dividend to $0.12 per share.
From COLONY BANKCORP INC's filing of 2026-08-05.
Themes: regional banking, commercial lending, mortgage banking, small business lending / SBA, M&A integration
Fundamentals
- Price$20.31 as of 2026-10-08 close
- Market cap$431M as of 2026-08-03 (share count; price 2026-10-08)
- 1-year return+21.7% 2025-10-08 close $16.69 → 2026-10-08 close $20.31
- P/E12.30 as of 2026-10-08
- ROE+7.5% FY2025, SEC XBRL
- Debt / equity0.16 as of 2026-09-03
- Revenue growth (YoY)+38.4% as of 2026-09-03
- Beta0.72 as of 2026-09-03
- Last reported earnings2026-07-22 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.3%; 9-year non-decreasing per-share dividend streak (SEC XBRL).
How CBAN compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)bottom 10% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, CBAN's dividend was covered by reported results (earnings payout 28%). This describes past coverage, not a forecast.
- Earnings payout28% dividends / net income
- Free-cash-flow payoutnot assessable free cash flow was not positive that year
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How COLONY BANKCORP INC looks technically
COLONY BANKCORP INC (CBAN) is trading 0.5% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 305 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 26, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 2 trading days ago.
Trend
9
| Distance from the 200-day | it is trading 0.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +0.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $21.27 | $21.27 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $20.21 | $20.21 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 19.69. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 305 trading days ago — a "golden cross", a bullish long-term signal | 305 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 0.5% above | +0.5% |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 26, with sellers in control | 26.3 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30) | 40.0 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($19.69 to $21.21) — its "stochastic" reading is 41 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 40.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 17 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $22.46 | $22.46 |
|---|---|---|
| From the 52-week high | it is 9.6% below its 52-week high (its highest price of the past year) | -9.6% |
| Above the 52-week low | it is 28.5% above its 52-week low (its lowest price of the past year) | +28.5% |
| Below the 52-week high | it is 9.6% below its highest point of the past year | 9.6% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day low about 2 trading days ago | 2 sessions |
| All-time high | its highest closing price on record is $32.05 (set on 2005-07-11) | $32.05 |
| Given back of the 52-week move | over the past year its closes ranged ($15.93 to $22.27), and it has given back roughly a third of its rise from last year’s low — 31% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $18.15 to $18.35. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 30.9% |
| From the all-time high | it is 36.6% below its all-time high | -36.6% |
| Nearest price level | it is trading 0.5% above a support level at $20.21 — a price it turned at twice since 2026-05-26, most recently on 2026-08-20. Since 2024-10-08 it has 11 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.5% |
| All-time low | its lowest closing price on record is $1.90 (set on 2012-01-19) | $1.90 |
| Above the all-time low | it is 969.4% above its all-time low | +969.4% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 42nd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.4498 between its high and its low — about 2.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.4498 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $19.88 and $21.48 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $19.88 – $20.68 – $21.48 |
| Typical daily range (% of price) | its price moves about 2.2% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.2% |
| Stretch from the 200-day average | it is trading 0.2 daily ranges above its 200-day average price (0.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 0.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.77× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
3
| Since a doji | 4 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 4 sessions ago |
|---|---|---|
| Since a hammer | 5 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 5 sessions ago |
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
Price gaps
1
| Gap at the open | it opened on 2026-10-08 0.9% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.9% |
|---|
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 5.7 percentage points (the stock lost 4.7% while the market gained 1.0%) | -5.7% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 1.2 percentage points (the stock gained 2.6% while the market gained 3.8%) | -1.2% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 17.3 percentage points (the stock gained 0.2% while the market gained 17.5%) | -17.3% |
| vs market, 12 months | over the past 12 months this stock beat the market by 6.7 percentage points (the stock gained 21.7% while the market gained 15.0%) | +6.7% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative, a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 3.6% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 0.6% of the share price, which is taken to mean a barrier that gives way easily. | -3.6% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 1% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $20.42 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | -0.6% |
|---|---|---|
| Vs the average paid since it last reported | the price is 5% below the average price paid since it last reported on 2026-07-22 (its 8-K), so the typical buyer over that stretch is under water. That average is $21.34 — a volume-weighted average of daily closes over 56 sessions, not a true tick-by-tick VWAP. | -4.8% |
Price levels it has turned at before
CBAN last closed at $20.31 on 2026-10-08. Since 2024-10-08 it has turned at 11 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $20.21 | Support | 0.5% below the last close | turned there twice · 2026-05-26 to 2026-08-20 |
| $19.73 | Support | 2.9% below the last close | turned there three times · 2026-06-25 to 2026-10-01 |
| $19.36 | Support | 4.7% below the last close | turned there twice · 2026-04-23 to 2026-06-01 |
| $21.56 | Resistance | 6.2% above the last close | turned there 7 times · 2026-02-04 to 2026-09-15 |
| $22.43 | Resistance | 10.4% above the last close | turned there twice · 2026-08-04 to 2026-08-13 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $19.69.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Near 200-day moving-average support · Trading above the 200-day moving average · Broke down to a new 20-day low · lagging the market · Printed a bullish engulfing pair · Trading at this year’s average price paid (anchored VWAP) | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$25.13 range $24.00 – $26.25
Analyst estimates, as of 2026-10-07. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for CBAN
- Consensus EPS estimate$0.52 next reporting period, as of 2026-10-07
- Estimate change, 30 days+$0.02 (+4.0%) from $0.5, on 2026-09-02, 35-day window
- Readings revised upward13% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Interest rate fluctuations affecting net interest margins and loan demand.","Credit risk and potential inadequacy of the allowance for credit losses.","Risks associated with integration and execution of mergers and acquisitions, including the pending merger with First Reliance Bancshares."]
What changed in the latest 10-Q
AI-assisted comparison of CBAN's 10-Q filed 2026-08-05 against the prior one filed 2026-05-08.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-08-05) states the discussion covers results of operations for the three and six months ended June 30, 2026 and 2025, whereas the older filing covered the three months ended March 31, 2026 and 2025.
- Newer filing (2026-08-05) adds mention of forward-looking statements regarding the proposed merger of First Reliance Bancshares, Inc. ("First Reliance") with the Company (the "Proposed Merger") and expectations with regard to the benefits of the Proposed Merger.
- Newer filing (2026-08-05) adds a bullet point on risks related to the Proposed Merger, including risks that cost savings and revenue synergies may differ from expectations, disruption to customer/supplier/employee relationships, termination of the merger agreement, failure to obtain regulatory approvals, failure to obtain shareholder approvals, and greater-than-anticipated costs and expenses.
- Removed:
- Older filing (2026-05-08) contains a bullet point on risks relating to bank acquisitions, including the recent acquisition of TC Bancshares, Inc., covering integration difficulties, unexpected transaction costs, failure to realize expected revenues and synergies, deposit and customer attrition, regulatory enforcement and litigation risk, changes in deposit mix, unexpected operating costs, customer and employee loss, competitive pressures, and risks of entering new markets. This bullet point is not present in the newer filing excerpt.
- Reworded:
- Newer filing (2026-08-05) changes the reference to the completed acquisition of TC Bancshares, Inc. from a risk-factor bullet to a forward-looking statement reference, while the older filing (2026-05-08) discusses TC Bancshares within the risk-factors section.
- Notes:
- The provided texts are excerpts and the newer filing excerpt ends mid-sentence in the new Proposed Merger risk bullet; the older filing excerpt also ends mid-sentence in the bank acquisitions risk bullet. Changes beyond the provided excerpts cannot be assessed.
Risk Factors
- Added:
- Added Exhibit 2.1: Agreement and Plan of Merger, dated June 24, 2026, by and between Colony Bankcorp, Inc. and First Reliance Bancshares, Inc., filed as Exhibit 2.1 to the Company's Current Report on Form 8-K filed June 24, 2026 (newer filing).
- Item 5 now references the three months ended June 30, 2026 instead of March 31, 2026 (newer filing).
- Item 2(a) now references the three-month period ended June 30, 2026 instead of March 31, 2026 (newer filing).
- Item 2(c) now states there were no repurchases during the second quarter of 2026 (newer filing).
- Removed:
- Removed share repurchase table showing repurchases of 35,672 shares in February 2026 and 53,437 shares in March 2026, totaling 89,109 shares at an average price of $19.78 (older filing).
- Removed paragraph describing the December 18, 2025 Board authorization extending the stock buyback program through the end of 2026, including details of the $12 million repurchase authorization (older filing).
- Removed Exhibit 10.1: Employment Agreement between Colony Bankcorp, Inc. and Derek Shelnutt, filed as Exhibit 10.1 to the Company's Current Report on Form 8-K filed January 28, 2026 (older filing).
- Exhibit 2.1 in the older filing referenced the TC Bancshares merger agreement; in the newer filing that agreement moved to Exhibit 2.2.
- Reworded:
- Exhibit 101 description updated from three months ended March 31, 2026 to three and six months ended June 30, 2026 for statements and data files (newer filing).
- Exhibit 104 cover page description updated from 'three months ended March 31, 2026' to 'three and six months ended June 30, 2026' (newer filing).
- Signature date changed from May 8, 2026 to August 5, 2026 (newer filing).
- The TC Bancshares merger agreement (July 23, 2025) moved from Exhibit 2.1 to Exhibit 2.2 in the newer filing.
- Notes:
- The Risk Factors disclosure itself (the statement that there are no material changes from the 2025 Form 10-K risk factors) is identical between the two filings.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
7 open-market purchases and 0 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-047 buys ($151300) · 0 sells — 1 buying insider
- Last 180 days · read to 2026-10-0410 buys ($210720) · 0 sells — 1 buying insider
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-26. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about CBAN's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding CBAN as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 3,457,556
- Reported value $69,462,315
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about CBAN's institutional holders → See what each manager we track holds →
Short interest (FINRA)
CBAN had 1,070,516 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
CBAN had 5.04% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 10.1 days to cover at the same settlement.
- Reported short interest (shares) 1,070,516
- Short interest (% of shares outstanding) 5.04%
- Prior settlement (shares) 1,055,425
- Reported change 1.43%
- Days to cover (reported) 10.1
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Synovus Financial (SNV)
- Renasant Corporation (RNST)
- SouthState Corporation (SSB)
- United Community Banks (UCB)
- Ameris Bancorp (ABCB)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare CBAN vs…
COLONY BANKCORP INC is found in…
Frequently asked questions
What does COLONY BANKCORP INC (CBAN) do?
Colony Bankcorp, Inc. is a bank holding company that provides a broad array of commercial and consumer banking services through its subsidiary, Colony Bank. The company operates across Georgia, Alabama, and Florida, offering specialized solutions including mortgage lending, government-guaranteed small business lending, wealth management, insurance, and merchant services.
What sector is COLONY BANKCORP INC (CBAN) in?
COLONY BANKCORP INC (CBAN) is classified in the Financials sector. Its industry is regional banking. It trades on NYSE.
Does CBAN pay a dividend?
Yes — COLONY BANKCORP INC (CBAN) pays a dividend, with an indicated yield of about 2.32% and 9-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-03). Informational only — not financial advice.
Who are COLONY BANKCORP INC's (CBAN) competitors?
Notable peers of COLONY BANKCORP INC (CBAN) include Synovus Financial, Renasant Corporation, SouthState Corporation, United Community Banks and Ameris Bancorp. This peer set is informational only — not financial advice.
Is COLONY BANKCORP INC (CBAN) overbought or oversold right now?
COLONY BANKCORP INC (CBAN) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 40, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CBAN come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.