NYSE$CBAN

Colony Bankcorp · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

Colony Bank reported Q1 2025 revenue of $35.5M, net income of $6.6M, diluted EPS of $0.38.

For Q1 2025, Colony Bank reported Revenue was $35.5M, net income was $6.6M, diluted EPS was $0.38. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $35.5M for Q1 2025.
  • Net income $6.6M.
  • Diluted EPS $0.38.

Headline financials

Total Revenue

$30M

Previous: $28.1M+6.6%
EPS (adj)

$0.38

Previous: $0.30+26.7%
Net Interest Margin

2.9%

No prior period
Return on Avg. Assets

0.8%

No prior period
Operating ROA

0.8%

No prior period
ROE

9.6%

No prior period
Operating ROE

9.6%

No prior period
Equity to Assets

9.1%

No prior period
Tangible Equity Ratio

7.5%

No prior period
Efficiency Ratio

67.4%

No prior period
Operating Efficiency

67.4%

No prior period
Net Noninterest Exp/Assets

1.4%

No prior period
Operating Noninterest Exp/Assets

1.4%

No prior period
Allowance to Loans

1.0%

No prior period
NPLs to Loans

0.7%

No prior period
NPAs to Assets

0.4%

No prior period
NPAs to Loans + REO

0.7%

No prior period
Classified Loans Ratio

1.4%

No prior period
Criticized Loans Ratio

2.9%

No prior period
Tier 1 Leverage

9.4%

No prior period
Tier 1 Capital Ratio

13.8%

No prior period
Total Capital Ratio

16.5%

No prior period
CET1 Ratio

12.6%

No prior period
Capital Expenditures

-$346K

Previous: -$101K-242.6%
Net Income

$6.61M

Previous: $5.33M+24.0%
Operating Income

$6.61M

Previous: $8.2M-19.3%

Revenue & EPS history

Colony Bankcorp · Revenue · Quarterly

$30M

Q1 2025+6.6%vs Q1 2024
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Forward guidance

Regional bank outlook cites net interest margin, credit quality, and deposit costs.

Tailwinds

  • Loan growth and fee income diversification.
  • Capital ratios and dividend capacity.

Headwinds

  • Deposit beta and funding cost pressure.
  • Commercial real estate and credit provisioning.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

+0.4%

Avg return

Earnings day

+1.5%

Avg return

5 days after

+1.9%

Avg return

30 days after

58%

38 / 65 earnings

Positive

+6.9%

Q2 2014

Best reaction

-8.2%

Q2 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-3.9%-3.3%-4.9%
Q4 2025+4.8%+10.5%+6.8%
Q3 2025-1.7%-2.2%+0.5%
Q1 2025+0.4%+0.8%-1.4%
Q4 2024+5.9%+6.6%+5.5%
Q3 2024-0.7%-2.1%+15.4%
Q2 2024+2.6%+10.6%+8.0%
Q1 2024+0.5%+2.5%+9.7%
Q4 2023+1.6%-0.4%-13.1%
Q3 2023+0.6%+2.3%+10.9%
Q2 2023+2.6%+3.7%+0.8%
Q1 2023+5.1%-3.8%-1.0%
Q4 2022+0.2%+0.7%-1.5%
Q3 2022-0.4%-1.8%-0.6%
Q2 2022-8.2%-8.6%-5.3%
Q1 2022-2.1%-3.2%-10.6%
Q4 2021-2.7%-5.4%+1.0%
Q3 2021+1.1%+1.8%+0.2%
Q2 2021+1.4%+0.7%+1.5%
Q1 2021-1.0%+1.8%+19.9%
Q4 2020+0.4%+0.2%+4.2%
Q3 2020-0.2%+1.1%+6.1%
Q2 2020-3.9%-2.7%+3.8%
Q1 2020+5.8%+23.1%+1.2%
Q4 2019-0.9%-0.3%-2.8%
Q3 2019-0.3%-1.0%-0.6%
Q2 2019+3.9%+2.2%+0.1%
Q1 2019+1.0%+1.0%+2.2%
Q4 2018+1.2%+1.2%+2.3%
Q3 2018-0.6%+0.2%-4.6%
Q2 2018+0.6%-0.9%-0.6%
Q1 2018+2.6%+13.8%+8.3%
Q4 2017-0.3%-0.3%-1.7%
Q3 2017+0.4%+2.2%+4.1%
Q2 2017+1.1%+1.1%+2.2%
Q1 2017+1.0%+0.8%+0.7%
Q4 2016+0.7%-0.1%+2.2%
Q3 2016-0.5%+1.5%+4.0%
Q2 2016+1.9%+3.0%+1.6%
Q1 2016+0.2%
Q4 2015+1.3%
Q3 2015+0.7%
Q2 2015+1.8%
Q1 2015+2.6%
Q4 2014-0.7%
Q3 2014+2.6%
Q2 2014+6.9%
Q1 2014+0.0%
Q4 2013+0.0%
Q3 2013+0.5%
Q2 2013-3.6%
Q1 2013+3.1%
Q4 2012-3.0%
Q3 2012-1.7%
Q2 2012-5.6%
Q1 2011-3.3%
Q1 2012+1.3%
Q4 2009-1.8%
Q4 2011-1.8%
Q3 2011+1.7%
Q3 2010+1.7%
Q2 2010-0.4%
Q2 2011-0.4%
Q4 2010+2.1%
Q1 2010+5.0%

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