Colony Bankcorp, Inc. (CBAN)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$21.75+1.12%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
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 dropped from the top half to the bottom half of its industry over the past month — the reason to own it has weakened.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -9.6% |
| 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 2026-09-04.
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 46.6 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
CBAN — earnings miss
Dated 2026-04-22
Results of Operation and Financial Condition On April 22, 2026, Colony Bankcorp, Inc. issued a press release announcing its consolidated financial results for the first quarter ended March 31, 2026, as well as the announcement of a regular quarterly cash dividend. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector. This would affect Colony Bankcorp's performance.
Worry ifRevenue growth falls below the median of 15% year over year.
Less concerning ifRevenue growth remains at or above the median of 15% year over year.
Why it matters: Growth in noninterest income helps diversify revenue. This makes the company more stable and shows good strategy.
Supportive ifNoninterest income increases by more than 20% year over year in Q3 2026.
Worry ifNoninterest income growth falls below 10% year over year in Q3 2026.
Why it matters: Strong revenue growth is key for Colony Bankcorp's stability. It helps build trust in the market.
Supportive ifRevenue growth exceeds 15% year over year in the next earnings report.
Worry ifRevenue growth drops below 10% year over year.
Why it matters: The merger could boost Colony Bankcorp's market position and financial strength. Investors will monitor its progress.
Supportive ifThe company will share the merger timeline. They will also explain the expected benefits.
Worry ifMerger talks may stop or get canceled. This could upset investors.
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 | ±$78 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $214 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,276 loss on $10,000 · 12.8% | 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.
Why it matters: A steady or rising net interest margin shows good management of income and costs. It helps profits.
Supportive ifNet interest margin stays above 3.5% in the next quarters.
Worry ifNet interest margin falls below 3.5% in the next quarter.
Why it matters: A drop in revenue growth may show a slowdown in finance. This could impact Colony Bankcorp.
Worry ifColony Bankcorp reports revenue growth below the median of 15% year over year.
Less concerning ifRevenue growth remains above the median of 15% year over year.
Why it matters: Loan growth is crucial for revenue expansion. Meeting this target indicates strong demand and effective lending strategies.
Supportive ifLoan growth is over 2% from last quarter. This matches the 8% to 12% yearly goal.
Worry ifLoan growth is below 2% from last quarter.
Why it matters: An active buyback program can help share prices. It shows management's trust in the stock.
Supportive ifThe company starts a new stock buyback program or buys back shares.
Worry ifThe company gives no updates or stops the buyback program.
Why it matters: The merger is key to Colony's growth strategy. It will expand their market reach and resources.
Supportive ifThe merger closes on schedule in Q4 2026 as planned.
Worry ifThe merger faces delays or fails to close by the end of 2026.
Why it matters: Stable or rising dividends show good financial health. They also show care for shareholders.
Supportive ifThe company declares a quarterly cash dividend of at least $0.12 per share.
Worry ifThe company cuts the quarterly cash dividend below $0.12 per share.
Why it matters: Growing income means the company is managed well. It also shows the business is doing well.
Supportive ifNet income for Q3 2026 exceeds $10.9 million reported in Q2 2026.
Worry ifNet income for Q3 2026 falls below $10.9 million.
Why it matters: Falling deposits may mean problems keeping customers. It can also show funding issues.
Worry ifTotal deposits decrease by more than $76.2 million in Q3 2026.
Less concerning ifTotal deposits stabilize or increase in Q3 2026.