Company Overview - Colony Bankcorp (CBAN) is based in Fitzgerald and operates in the Finance sector, with a year-to-date share price change of -10.08% [5] - The company currently pays a dividend of $0.11 per share, resulting in a dividend yield of 3.76%, which is higher than the Banks - Southeast industry's yield of 2.78% and the S&P 500's yield of 1.58% [5] Dividend Performance - The current annualized dividend of Colony Bankcorp is $0.45, reflecting a 2.3% increase from the previous year [2] - Over the past five years, the company has increased its dividend five times, achieving an average annual increase of 7.42% [2] - The current payout ratio is 34%, indicating that the company pays out 34% of its trailing 12-month earnings per share as dividends [2] Earnings Outlook - Colony Bankcorp is expected to see earnings growth this fiscal year, with the Zacks Consensus Estimate for 2024 at $1.31 per share, representing a year-over-year growth rate of 1.55% [8] Investment Considerations - The company is viewed as a compelling investment opportunity due to its strong dividend profile, especially in comparison to high-yielding stocks that may struggle during periods of rising interest rates [9] - Colony Bankcorp holds a Zacks Rank of 3 (Hold), indicating a stable investment position [9]

Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus. Cash flow can come from bond interest, interest from other types of investments, and of course, dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yi ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 OR COLONY BANKCORP, INC. (Exact Name of Registrant as Specified in Its Charter) Georgia 58-1492391 (State or Other Jurisdiction of Incorporation or Organization) (I.R.S. Employer Identification No.) Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, Par Value $1.00 per share CBAN The NASDAQ Stock Market Large Accelerate Filer ☐ Accelerated Filer ☒ Non-accelerated Filer ☐ Smaller Reporting Company ...

INVESTOR PRESENTATION CAUTIONARY STATEMENTS NON-GAAP FINANCIAL MEASURES FIRST QUARTER 2024 This presentation contains "forward-looking statements" within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. In addition, certain statements may be contained in Colony Bankcorp, Inc's (the "Company") future filings with the Securities and Exchange Commission (the "SEC"), in press releases, an ...

Colony Bankcorp, Inc. (NASDAQ:CBAN) Q1 2024 Earnings Conference Call April 25, 2024 9:00 AM ET Company Participants Derek Shelnutt – Chief Financial Officer Heath Fountain – Chief Executive Officer Conference Call Participants David Bishop – Hovde Group Christopher Marinac – Janney Montgomery and Scott Operator Good day, everyone, and welcome to Colony Bank’s First Quarter 2024 Conference Call. At this time, all participants are in a listen-only mode. Later, you’ll have the opportunity to ask questions duri ...

Financial Performance - Net income for Q1 2024 decreased to $5.3 million, or $0.30 per diluted share, compared to $5.6 million, or $0.32 per diluted share in Q4 2023, but increased from $5.0 million, or $0.29 per diluted share in Q1 2023[31] - Operating net income rose to $5.8 million, or $0.33 of adjusted earnings per diluted share, for Q1 2024, compared to $5.4 million, or $0.31 for Q4 2023, and $5.5 million, or $0.31 for Q1 2023[31] - Net income for Q1 2024 was $5,333, slightly up from $5,043 in Q1 2023, an increase of 5.8%[50] - Net income for Q1 2024 was $0.30 per share, down from $0.32 in Q4 2023, reflecting a 6.25% decline[62] Asset and Loan Management - Total assets as of March 31, 2024, were $3,015,509, a decrease from $3,053,422 as of December 31, 2023, representing a decline of approximately 1.2%[9] - Total loans decreased to $1,859,018 as of March 31, 2024, down from $1,883,470 at the end of 2023, reflecting a decline of about 1.3%[11] - Total loans were $1.86 billion at March 31, 2024, a decrease of $24.5 million, or 1.30%, from the prior quarter[31] - Total segment assets amounted to $2,910,102 thousand, a slight decrease from $2,956,121 thousand in the previous quarter[60] Deposits and Equity - The company experienced a decline in total deposits to $2,522,748 in the first quarter of 2024, down from $2,544,790 in the fourth quarter of 2023, a decrease of about 0.9%[12] - Total stockholders' equity rose to $259,914 as of March 31, 2024, up from $254,935 at the end of 2023, an increase of approximately 2.3%[9] - Total equity increased to $259,914 in Q1 2024, up from $254,935 in Q4 2023[62] Credit Quality and Losses - The allowance for credit losses increased slightly to $18,657 as of March 31, 2024, compared to $18,371 at the end of 2023, indicating a focus on maintaining credit quality[9] - The company reported an improvement in nonperforming loans, maintaining confidence in overall credit quality despite a few charge-offs in recent quarters[17] - The provision for credit losses in Q1 2024 was $1,000, compared to $900 in Q1 2023, indicating an increase of 11.1%[50] - Nonperforming assets decreased to $7.0 million at March 31, 2024, down from $10.7 million at December 31, 2023[36] Income and Expenses - Noninterest income increased by $1.8 million, or 23.87%, to $9.5 million for Q1 2024 compared to the same period in 2023[35] - Net interest income before provision for credit losses was $18,654 for Q4 2024, down from $18,874 in Q3 2024[44] - Noninterest expense for Q4 2024 was $20,397, an increase from $19,587 in Q3 2024[44] Dividends - The company declared a quarterly cash dividend of $0.1125 per share, to be paid on May 22, 2024, to shareholders of record as of May 8, 2024[15] - The company declared dividends of $0.1125 per share in Q1 2024, compared to $0.1100 in Q1 2023[50] - Cash dividends declared per share remained steady at $0.1125 in Q4 2024[45] Interest Rates and Margins - Net interest margin for Q1 2024 was 2.69%, down from 3.08% in Q1 2023, due to rising interest rates on liabilities outpacing those on earning assets[35] - The interest rate spread decreased to 2.21% in Q1 2024 from 2.76% in Q1 2023[50] Employee and Operational Metrics - Full-time employees decreased to 377 from 378 in the previous quarter, indicating a stable workforce[60] - Efficiency ratio for Q4 2024 was 72.48%, compared to 69.51% in Q3 2024[45]

Item 1A. Risks Related to Our Business • demand for our loans, deposits and services may decline; • loan delinquencies, problem assets and foreclosures may increase; • weak economic conditions may continue to limit the demand for loans by creditworthy borrowers, limiting our capacity to leverage our retail deposits and maintain our net interest income; • collateral for our loans may decline further in value; and • the amount of our low-cost or non-interest bearing deposits may decrease. Interest rates are h ...

FITZGERALD, Ga.--(BUSINESS WIRE)--Colony Bankcorp, Inc. (Nasdaq: CBAN) (“Colony” or the “Company”) announced today that Heath Fountain, Chief Executive Officer, and Derek Shelnutt, Chief Financial Officer, will participate in the Janney 2024 CEO Forum to be held on January 31st to February 1st. A copy of the investor presentation can be found prior to the event on the Investor Relations section of the Company’s website, www.colony.bank. About Colony Bankcorp Colony Bankcorp, Inc. is the bank holding comp ...

Colony Bankcorp, Inc. (NASDAQ:CBAN) Q4 2023 Earnings Conference Call January 25, 2024 9:00 AM ET Company Participants Derek Shelnutt - Executive Vice President and Chief Financial Officer Heath Fountain - Chief Executive Officer Conference Call Participants David Bishop - Hovde Group Christopher Marinac - Janney Montgomery Scott Operator Good morning, ladies and gentlemen, and welcome to Colony Bank Fourth Quarter 2023 Conference Call. At this time, all lines are in a listen-only mode. Following the present ...

• our ability to manage our growth; • inability of our risk management framework to effectively mitigate credit risk, interest rate risk, liquidity risk, price risk, compliance risk, operational risk, strategic risk and reputational risk; • the risks relating to past acquisition including, without limitation: unexpected transaction costs, including the costs of integrating operations; the risks that the businesses will not be integrated successfully or that such integration may be more difficult, time-consu ...