Colony Bankcorp Inc - Understand $cban stock

$CBAN Market Cap: $278.7 Million

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Financial Snapshot

Revenue

$99.23M

TTM

Gross Margin

Net Earnings

$22.21M

TTM

Current Assets

Current Liabilities

$14.95M

Q2 2024

Current Ratio

Total Assets

$3.008B

Q2 2024

Total Liabilities

$2.743B

Q2 2024

Book Value

$264.7M

Q2 2024

Cash

$82.00M

Q2 2024

P/E

12.55

Oct 17, 2024 EST

Free Cash Flow

$18.69M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Revenue	$124.9M	$91.49M	$70.59M	$63.13M	$60.48M	$49.02M	$45.92M	$44.59M	$44.28M	$44.76M
YoY Change	36.54%	29.61%	11.82%	4.37%	23.38%	6.76%	2.98%	0.71%	-1.09%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue	$124.9M	$91.49M	$70.59M	$63.13M	$60.48M	$49.02M	$45.92M	$44.59M	$44.28M	$44.76M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$8.702M	$2.700M	$2.700M	$2.300M	$2.100M	$1.800M	$1.648M	$1.574M	$1.657M	$1.595M	$1.530M	$1.680M	$1.790M	$2.140M	$2.090M	$2.030M	$1.880M	$1.930M	$1.900M	$1.750M	$1.620M	$1.560M	$1.400M	$1.280M	$1.170M	$980.0K	$790.0K	$560.0K	$590.0K	$550.0K
YoY Change	222.3%	0.0%	17.39%	9.52%	16.67%	9.24%	4.67%	-5.01%	3.89%	4.26%	-8.93%	-6.15%	-16.36%	2.39%	2.96%	7.98%	-2.59%	1.58%	8.57%	8.02%	3.85%	11.43%	9.38%	9.4%	19.39%	24.05%	41.07%	-5.08%	7.27%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Interest Expense	$46.67M	$10.87M	$4.397M	$7.880M	$12.64M	$8.225M	$6.873M	$6.483M	$6.569M	$6.799M
YoY Change	329.56%	147.1%	-44.2%	-37.64%	53.64%	19.68%	6.01%	-1.31%	-3.38%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Pretax Income	$27.21M	$22.85M	$23.15M	$14.63M	$12.61M	$14.92M	$14.53M	$12.52M	$12.16M	$10.80M	$7.000M	$3.800M	$3.600M	$0.00	-$29.20M	$2.600M	$12.80M	$15.40M	$13.80M	$12.20M	$10.20M	$8.600M	$7.300M	$6.700M	$6.100M	$5.500M	$5.200M	$4.300M	$3.400M	$3.200M
YoY Change	19.08%	-1.3%	58.26%	16.03%	-15.47%	2.67%	16.0%	2.99%	12.6%	54.28%	84.21%	5.56%		-100.0%	-1223.08%	-79.69%	-16.88%	11.59%	13.11%	19.61%	18.6%	17.81%	8.96%	9.84%	10.91%	5.77%	20.93%	26.47%	6.25%
Income Tax	$5.466M	$3.310M	$4.495M	$2.815M	$2.398M	$3.000M	$6.777M	$3.851M	$3.788M	$3.268M	$2.300M	$1.200M	$1.100M	-$500.0K	-$10.00M	$600.0K	$4.200M	$5.200M	$4.800M	$4.200M	$3.400M	$2.800M	$2.400M	$2.200M	$1.900M	$1.700M	$1.600M	$0.00	$1.000M	$1.000M
% Of Pretax Income	20.09%	14.48%	19.41%	19.24%	19.02%	20.11%	46.65%	30.75%	31.15%	30.26%	32.86%	31.58%	30.56%			23.08%	32.81%	33.77%	34.78%	34.43%	33.33%	32.56%	32.88%	32.84%	31.15%	30.91%	30.77%	0.0%	29.41%	31.25%
Net Earnings	$21.75M	$19.54M	$18.66M	$11.82M	$10.21M	$11.92M	$7.751M	$8.673M	$8.373M	$7.532M	$4.600M	$2.600M	$2.500M	$500.0K	-$19.20M	$2.000M	$8.500M	$10.20M	$9.000M	$8.100M	$6.800M	$5.800M	$4.900M	$4.500M	$4.200M	$3.900M	$3.600M	$4.300M	$2.400M	$2.200M
YoY Change	11.28%	4.73%	57.93%	15.71%	-14.32%	53.75%	-10.63%	3.59%	11.17%	63.73%	76.92%	4.0%	400.0%	-102.6%	-1060.0%	-76.47%	-16.67%	13.33%	11.11%	19.12%	17.24%	18.37%	8.89%	7.14%	7.69%	8.33%	-16.28%	79.17%	9.09%
Net Earnings / Revenue	17.41%	21.36%	26.43%	18.72%	16.88%	24.31%	16.88%	19.45%	18.91%	16.83%
Basic Earnings Per Share	$1.24	$1.14	$1.66	$1.24	$1.12	$1.41	$0.89	$0.85	$0.71	$0.57
Diluted Earnings Per Share	$1.24	$1.137M	$1.66	$1.24	$1.12	$1.40	$0.87	$0.84	$0.71	$0.57	$0.37	$309.5K	$297.6K	$61.73K	-$2.667M	$277.8K	$1.181M	$1.417M	$1.250M	$1.125M	$985.5K	$865.7K	$742.4K	$671.6K	$626.9K	$590.9K	$553.8K	$661.5K	$387.1K	$400.0K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$39.87M	$41.61M	$43.70M	$32.60M	$33.10M	$28.80M	$27.60M	$28.00M	$26.50M	$25.00M	$24.90M	$24.90M	$25.80M	$27.10M	$28.80M	$29.70M	$27.80M	$27.50M	$25.70M	$21.80M	$17.60M	$17.30M	$14.60M	$14.00M	$12.80M	$11.70M	$9.100M	$7.000M	$6.300M	$5.800M
YoY Change	-4.17%	-4.79%	34.05%	-1.51%	14.93%	4.35%	-1.43%	5.66%	6.0%	0.4%	0.0%	-3.49%	-4.8%	-5.9%	-3.03%	6.83%	1.09%	7.0%	17.89%	23.86%	1.73%	18.49%	4.29%	9.38%	9.4%	28.57%	30.0%	11.11%	8.62%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$25.41M	$28.20M	$3.600M	$100.0K	$1.500M
YoY Change	-9.91%	683.31%	3500.0%	-93.33%
Total Long-Term Assets
YoY Change
Total Assets	$3.053B	$2.937B	$2.692B	$1.764B	$1.515B	$1.252B	$1.233B	$1.210B	$1.174B	$1.147B	$1.149B	$1.139B	$1.195B	$1.276B	$1.307B	$1.253B	$1.209B	$1.214B	$1.108B	$997.6M	$868.6M	$781.5M	$621.6M	$519.9M	$435.3M	$381.3M	$342.9M	$319.5M	$299.2M	$248.8M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$15.25M	$11.95M	$700.0K	$500.0K	$500.0K
YoY Change	27.6%	1607.57%	40.0%	0.0%
Deferred Revenue
YoY Change
Short-Term Debt						$0.00							$0.00	$20.00M	$40.00M	$42.30M	$1.400M	$1.100M	$2.700M	$500.0K	$1.700M	$900.0K	$5.900M	$1.300M	$1.300M	$1.800M	$3.300M	$2.700M	$2.500M	$3.500M
YoY Change													-100.0%	-50.0%	-5.44%	2921.43%	27.27%	-59.26%	440.0%	-70.59%	88.89%	-84.75%	353.85%	0.0%	-27.78%	-45.45%	22.22%	8.0%	-28.57%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$15.25M	$11.95M	$700.0K	$500.0K	$500.0K									$20.00M	$40.00M	$42.30M	$1.400M	$1.100M	$2.700M	$500.0K	$1.700M	$900.0K	$5.900M	$1.300M	$1.300M	$1.800M	$3.300M	$2.700M	$2.500M	$3.500M
YoY Change	27.6%	1607.57%	40.0%	0.0%										-50.0%	-5.44%	2921.43%	27.27%	-59.26%	440.0%	-70.59%	88.89%	-84.75%	353.85%	0.0%	-27.78%	-45.45%	22.22%	8.0%	-28.57%
Long-Term Debt	$63.45M	$78.35M	$36.80M	$144.6M	$38.80M	$24.20M	$24.20M	$24.20M	$24.20M	$24.20M	$24.20M	$24.20M	$24.20M	$24.20M	$24.20M	$24.20M	$24.20M	$24.20M	$19.10M	$19.10M	$14.40M	$14.40M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-19.03%	112.91%	-74.55%	272.68%	60.33%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	26.7%	0.0%	32.64%	0.0%
Other Long-Term Liabilities	$13.42M	$10.06M	$10.30M	$6.900M	$4.700M	$2.800M	$2.700M	$2.500M	$2.900M	$4.300M	$6.800M	$4.700M	$3.500M	$4.300M	$5.000M	$5.100M	$7.300M	$7.600M	$6.500M	$5.000M	$4.700M	$4.700M	$4.400M	$4.600M	$3.800M	$3.000M	$2.900M	$2.600M	$2.000M	$1.500M
YoY Change	33.46%	-2.35%	49.28%	46.81%	67.86%	3.7%	8.0%	-13.79%	-32.56%	-36.76%	44.68%	34.29%	-18.6%	-14.0%	-1.96%	-30.14%	-3.95%	16.92%	30.0%	6.38%	0.0%	6.82%	-4.35%	21.05%	26.67%	3.45%	11.54%	30.0%	33.33%
Total Long-Term Liabilities	$63.45M	$78.35M	$47.10M	$151.5M	$43.50M	$27.00M	$26.90M	$26.70M	$27.10M	$28.50M	$31.00M	$28.90M	$27.70M	$28.50M	$29.20M	$29.30M	$31.50M	$31.80M	$25.60M	$24.10M	$19.10M	$19.10M	$4.400M	$4.600M	$3.800M	$3.000M	$2.900M	$2.600M	$2.000M	$1.500M
YoY Change	-19.03%	66.35%	-68.91%	248.28%	61.11%	0.37%	0.75%	-1.48%	-4.91%	-8.06%	7.27%	4.33%	-2.81%	-2.4%	-0.34%	-6.98%	-0.94%	24.22%	6.22%	26.18%	0.0%	334.09%	-4.35%	21.05%	26.67%	3.45%	11.54%	30.0%	33.33%
Total Liabilities	$2.798B	$2.706B	$2.474B	$1.620B	$1.385B	$1.156B	$1.142B	$1.117B	$1.079B	$1.048B	$1.059B	$1.044B	$1.099B	$1.183B	$1.218B	$1.170B	$1.125B	$1.137B	$1.040B	$935.8M	$812.6M	$730.1M	$579.6M	$479.7M	$400.3M	$348.3M	$314.1M	$293.9M	$276.2M	$232.1M
YoY Change	3.41%	9.39%	52.76%	16.95%	19.77%	1.21%	2.26%	3.56%	2.94%	-1.01%	1.44%	-5.02%	-7.09%	-2.88%	4.12%	3.96%	-1.05%	9.3%	11.16%	15.16%	11.3%	25.97%	20.83%	19.84%	14.93%	10.89%	6.87%	6.41%	19.0%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Basic Shares Outstanding	17.58M shares	17.19M shares	11.25M shares	9.499M shares	9.130M shares	8.439M	8.439M	8.439M	8.439M	8.439M
Diluted Shares Outstanding	17.58M shares	17.19M shares	11.25M shares	9.499M shares	9.130M shares	8.539M	8.634M	8.513M	8.458M	8.439M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $278.71 Million

About Colony Bankcorp Inc

Colony Bankcorp, Inc. is a bank holding company, which engages in the stockholder and investor relations functions through its subsidiary, Colony Bank. The company is headquartered in Fitzgerald, Georgia and currently employs 451 full-time employees. The Company’s business is conducted through its bank subsidiary, Colony Bank (the Bank), a Georgia state-chartered commercial bank. The Bank provides a range of banking services to its retail and commercial customers. The firm operates through three segments: Banking Division, Retail Mortgage Division and Small Business Specialty Lending Division. The Banking Division delivers full service financial services, including commercial loans, consumer loans and deposit accounts. The Retail Mortgage Division offers services for one-to-four family residential mortgage loans. The Small Business Specialty Lending Division offers small business administration and United States Department of Agriculture (USDA) government guaranteed loans. Its product line includes loans to small and medium-sized businesses, residential and commercial construction and land development loans, commercial real estate loans and others.

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