Colony Bankcorp Forecast | Price, Price Target & Analyst Assessment

Colony Bankcorp

NYSE:CBAN

$ 20,95

$-0,23 (-1,09%)

20,95 $

$-0,23 (-1,09%)

End-of-day quote: 04/10/2026

Colony Bankcorp Stock Value

The current analyst recommendation for NYSE:CBAN is: Buy.

Buy

Colony Bankcorp Company Info

EPS Growth 5Y

5,10%

Market Cap

$0,44 B

Long-Term Debt

$0,26 B

Short Interest

0,48%

Quarterly earnings

04/22/2026

Dividend

$0,48

Dividend Yield

2,27%

Founded

1975

Industry

Financials

Country

United States

ISIN Number

US19623P1012

Website

http://www.colonybank.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$22,75

8.59%

Last Update: 04/11/2026

Analysts: 2

Highest Price Target $23,50

Average Price Target $22,75

Lowest Price Target $22,00

In the last five quarters, Colony Bankcorp’s Price Target has risen from $10,52 to $14,50 - a 37,83% increase. One analysts predict that Colony Bankcorp’s share price will increase in the coming year, reaching $22,75. This would represent an increase of 8,59%.

Top growth stocks in the financials sector (5Y.)

What does Colony Bankcorp do?

Colony Bankcorp, Inc. (‘Colony’) operates as a holding company for Colony Bank (‘bank’) that provides a broad range of banking services to its retail and commercial customers. The company is a financial services company. The company operates locations throughout Georgia, as well as in Birmingham, Alabama; Tallahassee, Florida; and the Florida Panhandle. Because the company is a financial services company and a registered bank holding company, its principal operations are conducted through the...

Colony Bankcorp, Inc. (‘Colony’) operates as a holding company for Colony Bank (‘bank’) that provides a broad range of banking services to its retail and commercial customers.

The company is a financial services company. The company operates locations throughout Georgia, as well as in Birmingham, Alabama; Tallahassee, Florida; and the Florida Panhandle.

Because the company is a financial services company and a registered bank holding company, its principal operations are conducted through the bank. It has 100 percent ownership of the bank and maintains systems of financial, operational, and administrative controls that permit centralized evaluation of the operations of the bank in selected functional areas, including operations, accounting, marketing, investment management, purchasing, human resources, computer services, auditing, compliance, and credit review. As a bank holding company, the company also performs certain shareholder and investor relations functions.

Colony Bank - Banking Services

The company’s principal subsidiary is the bank. The bank, headquartered in Fitzgerald, Georgia, offers a comprehensive range of banking solutions tailored to both personal and commercial customers. The company’s lending solutions include loans for small and medium-sized businesses, residential and commercial construction, land development, and commercial real estate. The company also provides commercial loans, agri-business and production loans, residential mortgages, home equity loans, and consumer loans. In addition to traditional lending, it offers specialized loan programs, including government-guaranteed loans through the company’s Small Business Specialty Lending (‘SBSL’) department and financing for marine and recreational vehicles.

The company’s deposit products serve as the primary funding source for its loans and are designed to meet the needs of both individuals and businesses. The company offers a variety of noninterest-bearing and interest-bearing accounts, including checking, savings, money market, and other deposit options. The company’s focus is on expanding core deposits while strengthening customer relationships. To complement the company’s deposit offerings, it also provides treasury solutions, merchant services, and other financial tools that support businesses in managing cash flow and operational efficiency.

The company also offers internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, remote depository products, and access to a network of ATMs to its customers. The bank conducts its business through thirty-four offices located in north, central, south, and coastal Georgia cities of Fitzgerald, Warner Robins, Centerville, Ashburn, Leesburg, Cordele, Albany, LaGrange, Columbus, Sylvester, Tifton, Moultrie, Douglas, Broxton, Savannah, Eastman, Fayetteville, Rochelle, Rockmart, Cedartown, Chickamauga, Atlanta, Athens, Augusta, Macon, Manchester, Quitman, Thomaston, Valdosta, and Statesboro, Georgia, along with a corporate banking office in Birmingham, Alabama, and a loan production office in Tallahassee, Florida.

Correspondents

Colony Bank has correspondent relationships with the following banks: Federal Reserve Bank of Atlanta, FHN Financial in Memphis, Tennessee, SouthState Bank in Lake Wales, Florida, ServisFirst in Birmingham, Alabama, and the Federal Home Loan Bank of Atlanta. These correspondent relationships facilitate the transaction of business by means of loans, collections, investment services, lines of credit, and exchange services, particularly in markets in which Colony Bank does not have a physical presence. As compensation for these services, the bank maintains balances with its correspondents in primarily interest-bearing accounts and pays some service charges.

Investment Portfolio

As of December 31, 2024, the company’s investment portfolio included U.S. treasury securities, U.S. agency, asset-backed securities, state, county, and municipal securities, corporate debt securities, and mortgage-backed securities.

Deposits

As of December 31, 2024, the company’s deposits included noninterest-bearing demand deposits, interest-bearing demand and savings deposits, and time deposits.

Supervision and Regulation

The company is registered as a bank holding company with the Federal Reserve under the Bank Holding Company Act of 1956, as amended (the ‘BHC Act’), and has elected to be treated as a financial holding company.

The company and Colony Bank must each remain ‘well-capitalized’ and ‘well-managed’, and Colony Bank must receive a CRA rating of at least ‘Satisfactory’ at its most recent examination in order for the company to maintain its status as a financial holding company.

Under the Change in Bank Control Act and the regulations thereunder, a person or group must give advance notice to the Federal Reserve before acquiring control of any bank holding company, such as the company, and the Federal Deposit Insurance Corporation (‘FDIC’) before acquiring control of the bank.

The company is required to comply with various corporate governance and financial reporting requirements under the Sarbanes-Oxley Act of 2002, as well as rules and regulations adopted by the U.S. Securities and Exchange Commission (‘SEC’), the Public Company Accounting Oversight Board, and the New York Stock Exchange. The company has evaluated its controls, including compliance with the SEC rules on internal controls, and has, and expects to continue to spend significant amounts of time and money on compliance with these rules.

The company and its subsidiaries are subject to oversight by the SEC, the Financial Industry Regulatory Authority (‘FINRA’), the Public Company Accounting Oversight Board (United States) (PCAOB), the New York Stock Exchange, and various state securities regulators. The company and its subsidiaries have, from time to time, received requests for information from regulatory authorities in various states, including state attorneys general, securities regulators, and other regulatory authorities, concerning their business practices.

The bank is subject to comprehensive supervision and regulation by the FDIC and is subject to its regulatory reporting requirements. The bank also is subject to certain Federal Reserve regulations. In addition, the bank and any other of the company’s subsidiaries that offer consumer financial products and services are subject to regulation and potential supervision by the Consumer Financial Protection Bureau (‘CFPB’). Authority to supervise and examine the company and the bank for compliance with federal consumer laws remains largely with the Federal Reserve and the FDIC, respectively.

The bank’s deposits are insured by the FDIC’s Deposit Insurance Fund (‘DIF’) up to the limits under applicable law, which currently are set at $250,000 per depositor, per insured bank, for each account ownership category. The bank is subject to FDIC assessments for its deposit insurance.

The bank is subject to the provisions of the Community Reinvestment Act (‘CRA’), which imposes a continuing and affirmative obligation, consistent with its safe and sound operation, to help meet the credit needs of entire communities where the bank accepts deposits, including low- and moderate-income neighborhoods. The FDIC’s assessment of the bank’s CRA record is made available to the public. The bank has a rating of ‘Satisfactory’ in its most recent CRA evaluation.

The bank is also subject to, among other things, the provisions of the Equal Credit Opportunity Act (the ‘ECOA’) and the Fair Housing Act (the ‘FHA’), both of which prohibit discrimination based on race or color, religion, national origin, sex, and familial status in any aspect of a consumer or commercial credit or residential real estate transaction.

History

Colony Bankcorp, Inc. was founded in 1975. The company, a Georgia business corporation, was incorporated in 1982.

Colony Bankcorp Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Banking:** 100% (2026) Colony Bankcorp, Inc. is a financial services company that is primarily active in the banking sector. The company's revenues come entirely from the banking sector as it is a bank holding company. **TOP 3 Markets:** 1. **Deposits and Loans:** approximately 70% 2. **Mor...

At which locations are the company’s products manufactured?

**Production Sites:** No specific production sites, as Colony Bankcorp, Inc. is a financial services company. Colony Bankcorp, Inc. is a financial institution that primarily offers banking services and does not produce physical products. Therefore, there are no production sites in the traditional s...

What strategy does Colony Bankcorp pursue for future growth?

**Revenue Growth:** Estimated at 5-7% annually (based on historical data and market trends) **Profit Growth:** Estimated at 4-6% annually (based on industry analysis) Colony Bankcorp, Inc. pursues a growth strategy based on several pillars. Firstly, the company focuses on expanding its digital ser...

Which raw materials are imported and from which countries?

Unfortunately, specific information about the imported raw materials or materials of Colony Bankcorp, Inc. is not directly available, as Colony Bankcorp, Inc. is a financial services company and does not manufacture or distribute physical products. As a bank holding company, Colony Bankcorp, Inc. i...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 8.5% (2025) **Cost Efficiency Ratio:** 65% (2025) Colony Bankcorp, Inc. has a solid return on equity of 8.5%, indicating effective use of its equity. This metric is an indicator of the company's ability to generate profits from its own funds and is in line with...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** approximately 40% (estimated 2026) **Insider Buys/Sells:** No significant transactions in the last quarter (estimated 2026) The institutional investor share in Colony Bankcorp, Inc. is around 40%. This indicates a moderate level of confidence from institutional in...

What percentage market share does Colony Bankcorp have?

**Market share of Colony Bankcorp, Inc.:** Estimated around 0.5% (2026, in the regional banking market) **Major competitors and their market shares:** 1. **JPMorgan Chase & Co.:** 10% (2026) 2. **Bank of America Corp.:** 9% (2026) 3. **Wells Fargo & Co.:** 8% (2026) 4. **Citigroup Inc.:** 7...

Is Colony Bankcorp stock currently a good investment?

**Revenue Growth:** Estimated 4-5% (2025) **Profit Growth:** Estimated 3-4% (2025) **Return on Equity:** Estimated 8-9% (2025) Colony Bankcorp, Inc. has experienced moderate revenue and profit growth in recent years. The bank has expanded its market presence in the southeastern USA and benefits fro...

Does Colony Bankcorp pay a dividend – and how reliable is the payout?

**Dividend Yield:** Estimate 3.5% (2026) Colony Bankcorp, Inc. has regularly paid out dividends in the past, indicating a certain level of reliability. The estimated dividend yield of 3.5% in 2026 is based on historical payouts and current market trends. The reliability of dividend payments depend...

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Colony Bankcorp Stock Value

Colony Bankcorp Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Colony Bankcorp do?

Colony Bankcorp Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Colony Bankcorp Stock Value

Colony Bankcorp Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Colony Bankcorp do?

Colony Bankcorp Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.