Filing Flows › Financials › Colony Bankcorp (CBAN)
Colony Bankcorp (CBAN) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Colony Bankcorp (CBAN) Q3 2026 earnings results →
Q3 2026 Revenue up 30% year over year to $42.6M · 25¢ of every $1 of revenue kept as net profit · operating margin 31.3%
Colony Bankcorp made $42.6M in Q3 2026 (+30% Y/Y): Net interest income $30.4M, Noninterest income $12.3M. Operating margin 31.3%, net earnings $10.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $42.6M in Q3 2026, up 30% year over year and up 1% from the previous quarter. Net interest income was the largest line at 71% of revenue. Net interest income added $7.7M year over year (up 34%), 78% of the total change.
Operating profit was $13.3M, a 31.3% margin (up 9.1 points year over year). Of the extra revenue versus a year earlier, 62% reached operating profit, above the 22% margin then. Total costs grew 15% against revenue growth of 30%. The fastest-growing cost line was Credit loss provision (+83%). Net earnings were $10.5M, up 81% year over year. The effective tax rate was 21.1%.
Operating cash flow was $5.6M (down 61% year over year), 53% of net earnings. Non-cash charges added back $269K of share-based compensation. Working capital and other items used $5.2M. Capital expenditures of $917K left free cash flow of $4.7M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $42.6M | +30% | 31.3% | $10.5M | $5.6M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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Colony Bankcorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +30% against the peers' median +12%. Operating margin: 31.3% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CBAN Colony Bankcorp | Q3 2026 | $42.6M | +30% | 31.3% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Colony Bankcorp 10-Q on SEC EDGAR · CIK 711669 · State Commercial Banks
Guidance and outlook
13F: who owns CBAN and who is buying
More on CBAN
- How Colony Bankcorp makes money: revenue by segment
- Colony Bankcorp next earnings date and what analysts expect
- Colony Bankcorp stock forecast, price target and fair value
- Who owns Colony Bankcorp stock: holders, funds and Congress trades
- Colony Bankcorp guidance and outlook
- Is Colony Bankcorp a takeover target? LBO and rumors
History
Every quarter: Q3 2026 results