Colony Bankcorp, Inc. (CBAN)

In the past six months, Colony Bankcorp's stock has experienced several notable events. A definitive merger agreement was announced on July 23, 2025, to acquire TC Bancshares, Inc., and the merger was completed on December 1, 2025. The company reported Q3 2025 earnings per share (EPS) of $0.47, beating estimates of $0.45, and Q2 2025 earnings release reported an EPS of $0.46. Colony Bankcorp declared a quarterly cash dividend of $0.115 per share in Q2 2025. On December 11, 2025, Colony Bankcorp, Inc. announced Christi Rubio as Chief of Brand and Business Development. The stock price as of December 19, 2025, was $18.35, an increase of 13.98% from December 23, 2024, and the stock has seen a total return of 2.74% over the past six months.

Colony Bankcorp experiences some demand seasonality, particularly concerning deposits. The company has observed seasonal outflows, especially in municipal deposits, during the first quarter of the year. Despite these outflows, Colony Bankcorp maintains ample on-balance-sheet liquidity and cash flow from its bond portfolio to fund lending activities. In Q1 2025, there was an increase in interest-bearing demand deposits compared to year-end 2024, while in Q3 2025, there was a shift in customer preference towards longer-term, higher-yielding deposit products.

Colony Bankcorp, Inc. operates as a diversified financial holding company and is the parent company of Colony Bank, primarily engaged in the financial services sector within the regional banks industry. The company generates revenue by converting customer deposits into interest-earning loans and through fee-based specialty services. Its major products and services include commercial and consumer banking services, residential mortgage loans, and government-guaranteed loans. Additionally, Colony Bankcorp provides wealth management and consumer insurance services. As of September 30, 2025, the company reported total assets of $3.2 billion.

Colony Bankcorp, Inc. primarily operates throughout Georgia, where it was founded in Fitzgerald in 1975. The company has strategically expanded its presence to include locations in Birmingham, Alabama, and Tallahassee and the Florida Panhandle through organic growth and strategic acquisitions.

In the past year, Colony Bankcorp has demonstrated a positive brand reputation. Colony Bank was named one of American Banker's Best Banks to Work for in 2025. The company also appointed Christi Rubio as Chief of Brand and Business Development on December 11, 2025, indicating a strategic focus on enhancing its brand and business development efforts. The company emphasizes community-focused banking relationships and local decision-making.

Colony Bankcorp, Inc. has a significant institutional ownership, with 260 institutional owners and shareholders holding a total of 12,617,343 shares. Major institutional owners include BlackRock, Inc., Vanguard Group Inc., and Dimensional Fund Advisors Lp. Approximately 50.37% of the stock is held by institutions, while 6.62% is held by insiders.