Colony Bankcorp, Inc. CBAN NASDAQ

Colony Bankcorp, Inc. (CBAN) generated $-5.55M in operating cash flow for fiscal year 2025. After capital expenditures of $1.35M, free cash flow was $-6.9M.

Free cash flow margin was -3.7% of revenue. Cash conversion ratio was -0.2x, suggesting some earnings are non-cash.

The company returned $8.04M in dividends and $2.37M in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (50/100, Partial) — cash generation is adequate but may not fully cover debt in stressed conditions
• MOAT (43/100, Fail) — limited free cash flow weakens the competitive position
• INCOME (70/100) — Cash conversion ratio was -0.2x suggests some earnings are non-cash items

Overall SharesGrow Score: 61/100 with 4/7 criteria passed.