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
QuarterlyIQ Insights · CBAN
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -4.5% |
| Our one-year growth estimate | diamond | -56.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 51.7 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
CBAN — director departure
Dated 2026-11-02
Director — Mr. Saunders: The filing details the employment agreement and compensation for Mr. Saunders, who is joining as a director and executive following a merger, representing a new appointment rather than a departure.
Why it matters: Both firms have the needed approvals and are preparing for the deal close. A delay could push back the planned customer and systems work.
Supportive ifA company filing or release confirms the First Reliance deal closes by December 31, 2026.
Worry ifThe deal has not legally closed by December 31, 2026, or the company reports a delay.
Why it matters: The planned sale gain is expected to cover losses from selling securities. The company says both steps can boost regular earnings and give it more room to manage its balance sheet.
Watch forThe company says the $19.9 million property sale closed. Securities losses stayed within the sale gain, and regular earnings rose.
Also watch forThe property sale fails to close, losses exceed the sale gain, or recurring earnings fall after the deal.
Why it matters: Loans rose 2.13% in Q2, then 0.50% in Q3. Management warned that near-term growth may be softer.
Supportive ifQuarterly loan growth tops 0.5% in the next reported quarter. Management cites disciplined loan pricing.
Worry ifQuarterly loan growth is below 0.5%, or the company reports a drop in loan pricing discipline.
Why it matters: A smooth systems change is a key test of merger execution. Extra costs or customer issues could weaken the deal's benefits.
Watch forThe company completes the First Reliance systems change in Q2 2027 and reports no major service issues.
Also watch forThe systems change moves past Q2 2027, or the company reports major service issues or added costs.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$75 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $196 loss on $10,000 · 2.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,154 loss on $10,000 · 11.5% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.