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RBB (59) CHMG (67) PCB (65) FNLC (73) ⌘ Pro Terminal β†’

Colony Bankcorp Inc. (CBAN) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$20.28 -1.65% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $20.18

Colony Bankcorp Inc. (CBAN) carries a Roarable Rating of E (Strong Sell) with 29/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE E β€’ RED ALERT Cap $437.6M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CBAN Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is CBAN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Colony Bankcorp Inc. (NYSE: CBAN) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 29/100 at a spot price of $20.28 (-1.65% 1D, market cap $437.6M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 4/20, and Executive Insider Alignment 3/20. Across 1097 tracked Financials issuers, CBAN ranks #1031 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does CBAN compare to RBB and CHMG in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), CBAN carries a Roarable E (29/100 RQD), trailing P/E of 65.5x, gross margin of β€”, and ROIC of 1.8%. By comparison, RBB (RBB Bancorp) holds a C- grade (59/100 RQD, P/E 13.8x, ROIC 6.1%, cap $442.4M) and CHMG (Chemung Financial Corp) posts a C+ grade (67/100 RQD, P/E 28.0x, ROIC 5.9%, cap $421.5M). Among the 5-stock peer group, PCB leads on earnings multiple (10.9x) while FNLC leads on capital efficiency (12.1% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CBAN?
β–Ό

Per CBAN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000711669), Colony Bankcorp Inc. generated $1.57B in revenue (+20.1% YoY), $6.6M in net income, and -$6.9M in free cash flow against $3.74B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $20.18 (-0.49%)🧬 Dilution Drag (+2.48% YoY Shares)βš™οΈ Cash Engine: 3/20 (E) β€’ 0% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record Warning: Scores below 50 (29/100 Β· E) historically underperformed SPY in 71% of rolling 90-day windows (-9.8% avg 90D alpha vs SPY β€’ 29.0% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERRED ALERT β€’ E
025507510029
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw E Β· Rk D-
Cash (3)Whales (9)SEC (10)Macro (4)CEO (3)
Each axis scored 0–20
12M PRICE TARGET CONE-13.1% Base Target
$24 Bull$18 Base$14 Bear
πŸ“¬ FREE CBAN RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for CBAN)Realized 20D OHLCV Swing Band: Β±4.4%
Deterministic 5-Pillar Attribution (29/100 Composite)
πŸ” WHY CBAN SCORES 29/100 (E) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (34% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 1/9

β–² #2 Bullish Driver: Whale & Options Positioning+9/20 pts (31% of score)

20D Institutional Volume Accumulation (Β±4.4% realized swing band)

β–Ό #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)

Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
21
Grade E$19.70+0.5% Next Q
Q2 (-2Q)
24
Grade E$19.80+2.8% Next Q
Q3 (-1Q)
26
Grade E$20.36-0.4% Next Q
Current
29
Grade E$20.28-9.8% Hist 90D Ξ±
Trajectory: E (21) β†’ E (29)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a CBAN Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While CBAN currently carries a cautious 29/100 (E) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($20.62) and Max Pain ($21.29) forces dealer call-delta covering toward $23.58.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CBANβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œCBAN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 29%NO 71%Trade / Inspect Odds β†’
SEC FORM 4 Γ— 13F HEDGE FUNDS Γ— CONGRESSIONAL STOCK ACT

CBAN Smart-Money Thermometer: NET EXECUTIVE TRIMMING / PROFIT-TAKING

Explore All 13F & Congress Whales β†’
β–² Disclosed Buys: 0 ($0)β–Ό Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (CBAN)

No recent open-market Form 4 cluster sales or emergency dumps flagged on CBAN. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CBAN)

  • βœ“Walkthrough of CBAN's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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CBAN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.05%β–Ό DESCENDING CHANNEL
2026-11-04O $20.34H $20.62L $20.28C $20.28VOL 157.5K
RES: $20.72SUP: $19.23SMA50: $20.62SMA200: $20.44
$22.76$21.51$20.26$19.01$17.76RES $20.72SUP $19.23$20.282026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CBAN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ CBAN Butterfly Map β†’ + Track CBAN β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
43.9%/yr Implied 5Y Growth

vs. +20.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CBAN today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for CBAN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CBAN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CBAN)

Financials Rank #1031 of 1097 βš”οΈ RBB vs CBAN Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (CBAN vs. RBB, CHMG, PCB, FNLC)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Colony Bankcorp Inc. (CBAN) ranks #1031 by composite RQD confidence (29/100, grade E) and #736 by equity capitalization ($437.6M). Within this direct 5-issuer industry benchmark cohort, PCB leads on earnings valuation at 10.9x trailing P/E, while FNLC leads on capital efficiency and profitability with 12.1% ROIC and β€” gross margin. FNLC currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with CBAN at 29/100 (E).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CBAN ACTIVE
Colony Bankcorp Inc.
E 29/100 65.5x β€” 1.8% -1.65% $437.6M Benchmark Subject
RBB
RBB Bancorp
C- 59/100 13.8x β€” 6.1% -1.30% $442.4M /rbb-vs-cban β†’
CHMG
Chemung Financial Corp
C+ 67/100 28.0x β€” 5.9% -1.74% $421.5M /chmg-vs-cban β†’
PCB
PCB Bancorp
C 65/100 10.9x β€” 9.6% +2.27% $420.5M /pcb-vs-cban β†’
FNLC
First Bancorp Inc (ME)
B 73/100 12.0x β€” 12.1% -1.98% $415.4M /fnlc-vs-cban β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000711669 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Colony Bankcorp Inc. (CBAN) reported GAAP revenue of $1.57B (+20.1% vs. FY2024 revenue of $1.31B , and +1503.2% cumulative change since FY2023) , GAAP net income of $6.6M, operating cash flow of -$5.5M, and free cash flow of -$6.9M (-130.9% YoY). On the balance sheet, CBAN closed FY2025 with $3.74B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 1/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.57B $6.6M -$5.5M -$6.9M $3.74B β€”
FY2024 (FY) 2024-12-31 $1.31B $23.9M $23.4M $22.3M $3.11B β€”
FY2023 (FY) 2023-12-31 $97.9M $21.7M $21.0M $21.0M β€” β€”

3. CBAN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CBAN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Colony Bankcorp Inc. (NYSE: CBAN) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 29/100 at a spot price of $20.28 (-1.65% 1D, market cap $437.6M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 4/20, and Executive Insider Alignment 3/20. Across 1097 tracked Financials issuers, CBAN ranks #1031 in composite RQD confidence.

How does CBAN compare to RBB and CHMG in the Financials sector?

Within the Financials sector (Major Banks), CBAN carries a Roarable E (29/100 RQD), trailing P/E of 65.5x, gross margin of β€”, and ROIC of 1.8%. By comparison, RBB (RBB Bancorp) holds a C- grade (59/100 RQD, P/E 13.8x, ROIC 6.1%, cap $442.4M) and CHMG (Chemung Financial Corp) posts a C+ grade (67/100 RQD, P/E 28.0x, ROIC 5.9%, cap $421.5M). Among the 5-stock peer group, PCB leads on earnings multiple (10.9x) while FNLC leads on capital efficiency (12.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CBAN?

Per CBAN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000711669), Colony Bankcorp Inc. generated $1.57B in revenue (+20.1% YoY), $6.6M in net income, and -$6.9M in free cash flow against $3.74B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CBAN trading relative to its 50-day, 200-day, and 52-week technical levels?

CBAN last traded at $20.28 (-1.65% on volume of 118,490 shares), positioning the stock -1.65% below its 50-day simple moving average ($20.62) and -0.78% below its 200-day simple moving average ($20.44). Across its 52-week range of $15.90 to $22.46, CBAN sits at the 66.8% percentile with a 14-day RSI of 56.5 (BULLISH MOMENTUM) and an implied next-earnings move of Β±4.4% ($19.39 to $21.17).

Direct Sub-Reports: CBAN RQD Cockpit CBAN 12M Forecast CBAN Earnings & Move CBAN Dividends & DRIP CBAN Insiders & 13F CBAN Whale Options CBAN Profit Sankey CBAN News & Why
ROARABLE RATING BRIEF β€’ RQD 29/100 (E) βœ“ SEC XBRL & RQD VERIFIED

CBAN β€” Colony Bankcorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Colony Bankcorp Inc. (CBAN) earns a live Roarable RQD composite score of 29/100, corresponding to a E letter grade (Roarable Strong Sell) at a spot price of $20.28 (-1.65% 1D, market capitalization $437.6M).

  • Fundamental Cash Engine (3/20): Anchored by return on invested capital (ROIC) of 1.8%, gross margin of β€”, operating margin of β€”, and free cash flow yield of -1.59%.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (3/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (4/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 1/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Colony Bankcorp Inc. (CBAN) is listed on the NYSE and classified in the Financials sector, Major Banks industry, .

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Colony Bankcorp Inc. (CBAN) reported $1.57B in annual revenue (up from $1.31B in FY2024, +20.1% YoY) and $6.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($97.9M revenue, $21.7M net income) through FY2025, CBAN scaled operating cash flow to -$5.5M and free cash flow to -$6.9M, backed by $3.74B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (E β€’ RQD 29/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of -1.59% and institutional whale pillar of 9/20. With Fundamental Cash Engine at 3/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $15.90 – $22.46 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh 65.5x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The supply-chain value is NONE and the butterfly links and proprietary signals arrays are empty.

  • Key Question #1: Can CBAN sustain or expand its β€” operating margin and 1.8% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.57B and free cash flow of -$6.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CBAN's 60.9x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CBAN Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Colony Bankcorp Inc. (CBAN) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to CBAN Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CBAN Bull vs. Bear Conversation Board β€” What's Your Call at $20.28?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CBAN 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CBAN:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER β€’ Fundamental Long-Only πŸ‚ BULLISH 🎯 Target: $26.65 (+31.0%)
πŸ“Œ Pinned Debate

Whale 13F Flow scores 9/20 on institutional accumulation and options positioning, the strongest pillar in the rating.

Don't sleep on CBAN's setup in Financials. Whale 13F Flow scores 9/20 on institutional accumulation and options positioning, the strongest pillar in the rating.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (29/100) backs up the fundamental quality.

EarningsSniper πŸ‚ BULL

@MeanReversion_88 Shorting a 9/20 institutional whale-flow stock at $20.34 is dangerous when funds are rotating into Financials.

ME MeanReversion_88 RQD DEBATE OPENER β€’ Quantitative Statistical Arb 🐻 BEARISH 🎯 Target: $15.25 (-25.0%)
Spot @ $20.34

ROIC of 1.8% and FCF yield of -1.59% anchor the Fundamental Cash Engine at 3/20, with P/E (TTM) at 65.5.

Sitting on the sidelines or leaning short CBAN above $20.34. ROIC of 1.8% and FCF yield of -1.59% anchor the Fundamental Cash Engine at 3/20, with P/E (TTM) at 65.5.. Until Fundamental Cash Engine (3/20) and FCF yield (-1.59%) inflect higher, upside is capped near $22.46.

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