Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Colony Bankcorp, Inc. (CBAN)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$19.95-3.11%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
2.37 → 2.39 EPS · FY ending Dec 31, 2027 · 1 analyst
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 1 to 1; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for CBAN yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
EPS reaches at least $2.52 in FY27 | The company maintains a regular quarterly dividend of $0.12 per share. | Intact | EPS falls below $2.30 in FY27 | Diluted EPS: $0.51 per share FY2026-Q2; GAAP. Published target: >= $2.52 EPS. Annual target cannot be compared with a quarterly or TTM observation. Aug 5, 20260.51 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
CBAN is a regional banking business with a measured growth and merger-integration thesis, rather than a clear turnaround or high-growth story. Recent signals have improved, but the multi-year view remains watchful because financial performance is weak relative to its industry cohort.
The valuation evidence points to CBAN being cheap versus peers, while the expectations gap is meaningful. The priced-in signal is tagged unjustified, but fragility is low and no fragility gates fired, so the snapshot does not show concentrated evidence that expectations are especially fragile.
Near term, loan growth may remain softer: loans rose by $12.3 million in Q3 after a $51.4 million increase in Q2, and management had warned of softer growth. Q3 net income eased to $10.5 million from $10.9 million in Q2, while expenses rose year over year partly due to acquisition and pending-merger costs; merger integration benefits are not yet shown in the supplied financials.
The multi-year thesis hinges on completing and integrating the First Reliance merger, sustaining loan growth with pricing discipline, and containing expenses. Near-term risks include a guidance cut or Fed rate cuts; continued strong results and higher guidance from sector bellwethers could support sector momentum.
The recent earnings beat and improved signal are constructive, but the weak relative performance and limited evidence of merger benefits keep the 1-3 year thesis in watch status. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| The company maintains a regular quarterly dividend of $0.12 per share. |
| Intact |
| Quarterly dividend falls below $0.11 per share |
Dividend per share: $0.12 per share FY2026-Q2; GAAP. Published target: >= $0.12 per share quarterly dividend. Target period is not explicitly aligned with this observation. Aug 5, 20260.12 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Revenue grows to at least $173.3M in FY26 | A primary condition in Colony Bankcorp, Inc.'s published investment case. The stated target is >= $173.3M total revenue. | Improving | Total revenue falls below $160M in FY26 | Revenue: $45.781M FY2026-Q2; GAAP. Published target: >= $173.3M total revenue. Annual target cannot be compared with a quarterly or TTM observation. Aug 5, 202645,781,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Effective integration of recent acquisitions | Recent acquisitions support growth and scale. | Intact | Material earnings or operational disruption from mergers | Qualitative condition This condition has no defined numerical measure. Nov 4, 2026Last status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$2.37 → $2.39 · observed estimates
$0.24B → $0.23B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $2.37 | $235,600,000 | 2 / 1 |
| 2026-07-25 | $2.37 | $232,400,000 | 2 / 1 |
| 2026-07-26 | $2.37 | $232,400,000 | 2 / 1 |
| 2026-07-27 | $2.37 | $232,400,000 | 2 / 1 |
| 2026-07-28 | $2.37 | $232,400,000 | 2 / 1 |
| 2026-07-29 | $2.37 | $232,400,000 | 2 / 1 |
| 2026-07-30 | $2.37 | $232,400,000 | 2 / 1 |
| 2026-07-31 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-01 | $2.37 | $232,400,000 | 2 / 1 |
| 2026-08-02 | $2.37 | $232,400,000 | 2 / 1 |
| 2026-08-03 | $2.37 | $232,400,000 | 2 / 1 |
| 2026-08-04 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-05 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-06 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-07 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-08 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-09 | $2.37 | $232,400,000 | 2 / 1 |
| 2026-08-10 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-11 | $2.37 | $232,400,000 | 2 / 1 |
| 2026-08-12 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-13 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-14 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-15 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-16 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-17 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-18 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-19 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-20 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-21 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-22 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-23 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-24 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-25 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-26 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-27 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-28 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-29 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-30 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-08-31 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-01 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-02 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-03 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-04 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-05 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-06 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-07 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-08 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-09 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-10 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-11 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-12 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-13 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-14 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-15 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-16 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-17 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-18 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-19 | $2.36 | $232,400,000 | 1 / 1 |
| 2026-09-20 | $2.35 | $230,100,000 | 1 / 1 |
| 2026-09-21 | $2.35 | $230,100,000 | 1 / 1 |
| 2026-09-22 | $2.35 | $230,100,000 | 1 / 1 |
| 2026-09-23 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-09-24 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-09-25 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-09-26 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-09-27 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-09-28 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-09-29 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-09-30 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-01 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-02 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-03 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-04 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-05 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-06 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-07 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-08 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-09 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-10 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-11 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-12 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-13 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-14 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-15 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-16 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-17 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-18 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-19 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-20 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-21 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-22 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-23 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-24 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-25 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-26 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-27 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-28 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-29 | $2.37 | $230,100,000 | 1 / 1 |
| 2026-10-30 | $2.39 | $231,900,000 | 1 / 1 |
| 2026-10-31 | $2.39 | $231,900,000 | 1 / 1 |
| 2026-11-01 | $2.39 | $231,900,000 | 1 / 1 |
| 2026-11-02 | $2.39 | $231,900,000 | 1 / 1 |
| 2026-11-03 | $2.39 | $231,900,000 | 1 / 1 |
| 2026-11-04 | $2.39 | $231,900,000 | 1 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 2 Buy / Strong Buy · 0 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earnings4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.