CBAN
Colony Bankcorp, Inc.18.41
+0.01+0.05%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
FY Q3 '25
Q&A largely reaffirms script
Q&A broke no new ground, largely reaffirming prepared remarks amid probing on macro risks. Management dismissed material government shutdown effects, expecting minimal SBSL hit if resolved soon—a point already flagged upfront. They confirmed no NDFI exposure, doubling down on relationship lending focus. Yield details reiterated 7.83% on new loans versus 5% roll-offs, backing single-digit NIM expansion slightly above Q3's pace. Analysts raised shutdown trickle-down and credit concerns; answers were direct yet unsurprising. No walk-backs emerged. Investors watch TC merger close and margin durability.
Key Stats
Market Cap
391.66MP/E (TTM)
11.58Basic EPS (TTM)
1.59Dividend Yield
0.02%Recent Filings
8-K
Extends $12M buyback to 2026
Colony Bankcorp extended its $12M stock buyback program through end-2026, after a prior extension to 2025. Board authorized on December 18, 2025. Company repurchased 318,778 shares for $4,613,000 since 2022, leaving $7,387,000 available. Buybacks depend on price and liquidity; program terminable anytime.
8-K
Merger closes, assets hit $3.7B
Colony Bankcorp sealed its merger with TC Bancshares on December 1, 2025, issuing ~3.84M shares and $15.4M cash—80% stock, 20% cash at $21.25 or 1.25 shares per TCBC share. The deal catapults combined assets to $3.7B, deposits to $3.0B, loans to $2.4B, cementing Southeast community bank muscle. Systems convert early 2026. Integration risks loom large.
8-K
Merger approvals secured
Colony Bankcorp shareholders approved issuing common stock for its merger with TC Bancshares on November 13, 2025, with all regulatory approvals secured by November 17. The $86.1 million stock-and-cash deal, signed July 23, eyes a December 1 close. Combined, they'll boast $3.8 billion in assets. Integration risks loom large.
10-Q
Q3 FY2025 results
Colony Bankcorp posted Q3 net income of $5.8M, up 3% y/y, with diluted EPS steady at $0.33 on 17.5M shares—reconciles precisely. Net interest income jumped 22% y/y to $22.7M on loan growth to $2.0B (derived), yet deposit costs fell while funding $185M FHLB advances (3.69%-4.73%, due 2025-2029) with $591M availability. Noninterest income held flat despite softer SBA gains, but expenses rose 18% on acquisition costs for pending TC Bancshares deal (announced July 2025, ~$86M stock/cash) and wire fraud hit. Operating cash flow strong at $48.2M YTD; equity climbed to $302M. Real estate concentration (83% loans) poses ongoing risk.
8-K
ATM equity program launched
Colony Bankcorp inked an Equity Distribution Agreement on November 3, 2025, with Piper Sandler to sell up to $40 million of common stock via at-the-market offerings. Commission caps at 3.0% of gross sales. No sales obligation exists. Proceeds target general corporate needs, including bank capital boosts and debt repayment. Flexible termination anytime.
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