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Colony Bankcorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$4.7M in Q3 2026 · $12.4M over twelve months

Operating cash flow$5.6M
Capital spending−$917K
Free cash flow+$4.7M
Cash / net income0.5×

Analysis

In Q3 2026, Colony Bankcorp generated $5.6M of operating cash flow and spent $917K on capital projects, leaving free cash flow of $4.7M. That is $9.4M less than in Q3 2025 ($14.1M).

Over the twelve months to Sep 30, 2026, operating cash flow was $15.2M; the largest uses were other financing ($82.1M), dividends ($9.6M), capital spending ($2.9M); besides operations, cash came from other investing ($71.2M); the cash balance fell by $10.7M.

Operating cash flow was $5.6M against net income of $10.5M — 0.5× profit, less cash than reported earnings, worth checking against working capital. The largest differences: depreciation & amortization −$4.1M, other liabilities +$2.9M, prepaid and other assets −$885K.

Free cash flow

Colony Bankcorp: free cash flow by quarterColony Bankcorp: free cash flow by quarter−$3.8MQ4 2024$17.6MQ1 2025$15.8MQ2 2025$14.1MQ3 2025−$54.3MQ4 2025$53.8MQ1 2026$8.2MQ2 2026$4.7MQ3 2026
Operating cash flow less capital spending.
Colony Bankcorp: operating cash flow against capital spendingColony Bankcorp: operating cash flow against capital spendingOperating cash flowCapital spending−$3.2M$562KQ4 2024$17.9M$346KQ1 2025$15.8M$85KQ2 2025$14.4M$351KQ3 2025−$53.7M$572KQ4 2025$54.3M$421KQ1 2026$9.1M$953KQ2 2026$5.6M$917KQ3 2026
Latest (Q3 2026): Operating cash flow $5.6M, Capital spending $917K.

Capital allocation, year by year

Colony Bankcorp: where the cash came from (up) and went (down), by fiscal yearColony Bankcorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $36.1MFY2021: Net borrowing −$107MFY2021: Capital spending −$5.8MFY2021: Acquisitions −$4.2MFY2021: Dividends −$4.5M$36.1MFY2021FY2022: Operating cash flow $49.7MFY2022: Shares issued $119MFY2022: Capital spending −$2.9MFY2022: Buybacks −$540KFY2022: Dividends −$7.2M$169MFY2022FY2023: Operating cash flow $21.0MFY2023: Capital spending −$3.6MFY2023: Buybacks −$406KFY2023: Dividends −$7.7M$21.0MFY2023FY2024: Operating cash flow $23.4MFY2024: Capital spending −$1.1MFY2024: Buybacks −$1.3MFY2024: Dividends −$7.9M$23.4MFY2024FY2025: Operating cash flow −$5.5MFY2025: Capital spending −$1.4MFY2025: Acquisitions −$3.5MFY2025: Buybacks −$2.4MFY2025: Dividends −$8.0MFY2025
Over these 5 years operating cash flow totalled $125M; the largest uses were net borrowing ($107M) and dividends ($35.3M). Cash-flow statements as filed.

Where the cash came from and went

Colony Bankcorp: sources (+) and uses (−) of cash, Q3 2026Colony Bankcorp: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)−$29.7MOther financing$15.2MOther investing$12.3MOperating cash flow$5.6MDividends−$2.5MCapital spending−$917K
Colony Bankcorp: sources (+) and uses (−) of cash, TTM to Q3 2026Colony Bankcorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing−$82.1MOther investing$71.2MOperating cash flow$15.2MCash drawn (+) / kept (−)$10.7MDividends−$9.6MCapital spending−$2.9MBuybacks−$2.5M

From profit to cash

Colony Bankcorp: net income to operating cash flow, Q3 2026Colony Bankcorp: net income to operating cash flow, Q3 2026Net income$10.5MDepreciation & amortization−$4.1MStock-based pay$269KDeferred taxes$265KPrepaid and other assets−$885KOther liabilities$2.9MOperating cash flow$5.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$5.6M−$917K—−$2.5M−$29.7M$4.7M
Q2 2026$9.1M−$953K—−$2.5M$136M$8.2M
Q1 2026$54.3M−$421K−$1.8M−$2.6M−$38.2M$53.8M
Q4 2025−$53.7M−$572K−$779K−$2.0M−$57.7M−$54.3M
Q3 2025$14.4M−$351K—−$2.0M−$87.8M$14.1M
Q2 2025$15.8M−$85K−$959K−$2.0M$109M$15.8M
Q1 2025$17.9M−$346K−$630K−$2.0M$9.8M$17.6M
Q4 2024−$3.2M−$562K−$540K−$2.0M−$86.2M−$3.8M

Colony Bankcorp: income statement and cash flow

Colony Bankcorp, Q3 2026: revenue $42.6M (+30% year over year), operating margin 31.3%. The chart follows the revenue to costs, profit and cash.

Colony Bankcorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.