Filing Flows › Colony Bankcorp (CBAN) › Q3 2026
Colony Bankcorp (CBAN) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Colony Bankcorp (CBAN) reported revenue of $42.6M for the third quarter 2026 (Q3 2026), +30% from a year earlier and +1% from the quarter before. Operating margin was 31.3%, net earnings $10.5M (24.7% of revenue).
Colony Bankcorp, Q3 2026: revenue $42.6M (+30% year over year), operating margin 31.3%, net earnings $10.5M, operating cash flow $5.6M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $42.6M | +1% | +30% |
| Operating profit | $13.3M | -3% | +83% |
| Net earnings | $10.5M | -3% | +81% |
| Operating cash flow | $5.6M | -38% | -61% |
| Free cash flow | $4.7M | -42% | -67% |
What changed
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.
Questions
What was Colony Bankcorp's revenue in the third quarter 2026?
Colony Bankcorp (CBAN) reported revenue of $42.6M for the third quarter 2026 (Q3 2026), +30% from a year earlier and +1% from the quarter before.
Was Colony Bankcorp profitable in the third quarter 2026?
Operating profit was $13.3M (31.3% of revenue) and net earnings $10.5M.
Source: Colony Bankcorp 10-Q on SEC EDGAR.