Colony Bankcorp, Inc.
Financial ServicesNYSE:CBAN · New York Stock Exchange
+$0.34 today
Vol 0.19M · Avg 0.27M
Income Statement
Follow revenue through to earnings
Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.
Earnings Waterfall
Revenue to Net Income
Key Ratios
Analysis
$198.0M of revenue converted into $29.8M of net income for the selected period. Gross margin is 68.5% and net margin is 15.1%, showing how much revenue survives after costs and taxes. EPS is $1.60, tying the income statement back to per-share earnings.
Income Statement
Annual data · 5 periods
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $186.1M +5.4% | $176.6M +10.0% | $160.6M +26.9% | $126.6M +18.4% | $106.9M | $809.6M | $921.6M | $731.2M |
| Cost of Revenue | $62.6M -2.6% | $64.2M +27.7% | $50.3M +253.2% | $14.2M +179.3% | $5.1M | $725.6M | $804.0M | $882.4M |
| Gross Profit | $123.6M +9.9% | $112.4M +1.9% | $110.3M -1.8% | $112.3M +10.4% | $101.8M | $8.9B | $7.6B | $6.2B |
| Gross Margin | 66.4% +2.7pp | 63.6% -5.0pp | 68.7% -20.1pp | 88.8% -6.5pp | 95.2% | 9.8% | 28.9% | 38.3% |
| Research & Development | $0 | $0 | $0 | $0 | $0 | $983.2M | $1.3B | $490.4M |
| Selling, General & Admin | $3.5M -93.5% | $53.8M +2.0% | $52.7M -6.6% | $56.5M +17.0% | $48.3M | $620.6M | $923.0M | -$1.5B |
| Operating Expenses | $88.4M +6.7% | $82.8M -0.3% | $83.1M -7.2% | $89.5M +13.8% | $78.6M | $5.3B | $7.0B | $8.7B |
| Depreciation & Amortization | $93.0K -98.9% | $8.1M -6.6% | $8.7M -25.2% | $11.6M +34.8% | $8.6M | $374.2M | $1.2B | $631.8M |
| EBITDA | $35.1M -6.8% | $37.7M +5.0% | $35.9M +4.2% | $34.5M +8.5% | $31.8M | -$15.2B | $6.8B | $9.3B |
| EBITDA Margin | 18.9% -2.5pp | 21.3% -1.0pp | 22.4% -4.9pp | 27.2% -2.5pp | 29.7% | 5.6% | 46.3% | 42.0% |
| Operating Income | $35.1M +18.8% | $29.6M +8.7% | $27.2M +19.1% | $22.9M -1.3% | $23.2M | $12.3B | $14.0B | -$15.7B |
| Operating Margin | 18.9% +2.1pp | 16.7% -0.2pp | 16.9% -1.1pp | 18.1% -3.6pp | 21.7% | 16.6% | 24.1% | 22.0% |
| Interest Income | $150.0M +9.3% | $137.2M +9.9% | $124.9M +36.5% | $91.5M +29.6% | $70.6M | -$1.5B | -$1.6B | $405.0M |
| Interest Expense | $58.1M -5.1% | $61.2M +31.1% | $46.7M +329.6% | $10.9M +147.1% | $4.4M | $1.1B | $1.0B | $1.2B |
| Other Income / Expenses | $0 | $0 | $0 | $0 | $0 | -$1.5B | $1.4B | $1.2B |
| Income Before Tax | $35.1M +18.8% | $29.6M +8.7% | $27.2M +19.1% | $22.9M -1.3% | $23.2M | $3.3B | $4.9B | $3.6B |
| Pre-Tax Margin | 18.9% +2.1pp | 16.7% -0.2pp | 16.9% -1.1pp | 18.1% -3.6pp | 21.7% | 20.8% | 18.7% | 26.2% |
| Income Tax Expense | $6.9M +20.8% | $5.7M +4.3% | $5.5M +65.1% | $3.3M -26.4% | $4.5M | $1.3B | -$1.6B | $745.2M |
| Net Income | $28.3M +18.4% | $23.9M +9.8% | $21.7M +11.3% | $19.5M +4.7% | $18.7M | $4.9B | $4.8B | $4.7B |
| Net Margin | 15.2% +1.7pp | 13.5% -0.0pp | 13.5% -1.9pp | 15.4% -2.0pp | 17.5% | 12.4% | 17.5% | 22.5% |
| EPS (Basic) | $2 +16.9% | $1 +9.7% | $1 +8.8% | $1 -31.3% | $2 | $400.8M | $703.2M | $1.3B |
| EPS (Diluted) | $2 +16.9% | $1 +9.7% | $1 +8.8% | $1 -31.3% | $2 | $766.2M | $609.4M | $452.6M |
| Weighted Avg Shares | $17.8M +1.3% | $17.6M -0.1% | $17.6M +2.3% | $17.2M +52.8% | $11.3M | $757.8M | $925.8M | $1.1B |
| Weighted Avg Shares (Diluted) | $17.8M +1.3% | $17.6M -0.1% | $17.6M +2.3% | $17.2M +52.8% | $11.3M | $1.2B | $924.4M | $678.0M |
Older periods hidden.
Sign in to unlockCompetitors
Peer companies in the same sector
Citizens & Northern Corporation
NASDAQ:CZNC
$395.24M
Plumas Bancorp
NASDAQ:PLBC
$394.47M
Waterstone Financial, Inc.
NASDAQ:WSBF
$354.20M
BayCom Corp
NASDAQ:BCML
$351.39M
The First Bancorp, Inc.
NASDAQ:FNLC
$346.73M
Timberland Bancorp, Inc.
NASDAQ:TSBK
$334.02M
CoastalSouth Bancshares, Inc.
NYSE:COSO
$324.36M
FS Bancorp, Inc.
NASDAQ:FSBW
$316.38M
Isabella Bank Corporation
NASDAQ:ISBA
$308.33M
John Marshall Bancorp, Inc.
NASDAQ:JMSB
$306.38M
SEC Filings
Recent regulatory filings
No filings found.
How much revenue does CBAN generate?
Colony Bankcorp, Inc. (CBAN) reported $186.11M of revenue in fiscal 2025.
Is CBAN profitable?
Colony Bankcorp, Inc. (CBAN) reported $28.25M of net income, with a net margin of 15.2%.
Explore More
Continue the stock analysis
Jump to another research area for this company.