Colony Bankcorp Inc. (CBAN) — Cash Flow Quality Index
Colony Bankcorp Inc. (CBAN) has a Cash Flow Quality Index of 0.84x as of June 2026. Operating cash flow of $9.12 Million is below net income of $10.86 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore CBAN operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Colony Bankcorp Inc. Cash Flow Quality Index (1995–2025)
Historical Cash Flow Quality Index for Colony Bankcorp Inc. across 30 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see cash flow conversion of Colony Bankcorp Inc..
Annual Cash Flow Quality Index for Colony Bankcorp Inc. (1995–2025)
Year-by-year earnings quality comparison for Colony Bankcorp Inc..
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -0.20x | $-5.54 Million | $28.25 Million | ▼ -120.0% |
| 2024 | 0.98x | $23.40 Million | $23.87 Million | ▲ +1.6% |
| 2023 | 0.96x | $20.98 Million | $21.75 Million | ▼ -62.1% |
| 2022 | 2.55x | $49.74 Million | $19.54 Million | ▲ +31.5% |
| 2021 | 1.93x | $36.10 Million | $18.66 Million | ▲ +219.7% |
| 2020 | -1.62x | $-19.09 Million | $11.81 Million | ▼ -519.6% |
| 2019 | 0.39x | $3.93 Million | $10.21 Million | ▼ -69.2% |
| 2018 | 1.25x | $14.91 Million | $11.92 Million | ▼ -22.7% |
| 2017 | 1.62x | $12.55 Million | $7.75 Million | ▲ +4.8% |
| 2016 | 1.54x | $13.39 Million | $8.67 Million | ▼ -8.1% |
| 2015 | 1.68x | $14.07 Million | $8.37 Million | ▼ -14.3% |
| 2014 | 1.96x | $14.77 Million | $7.53 Million | ▼ -51.9% |
| 2013 | 4.08x | $18.87 Million | $4.63 Million | ▼ -52.8% |
| 2012 | 8.63x | $22.81 Million | $2.64 Million | ▲ +44.3% |
| 2011 | 5.98x | $15.16 Million | $2.53 Million | ▼ -89.6% |
| 2010 | 57.68x | $27.35 Million | $474.22K | ▲ +576.9% |
| 2008 | 8.52x | $17.29 Million | $2.03 Million | ▲ +380.1% |
| 2007 | 1.77x | $15.17 Million | $8.55 Million | ▲ +20.1% |
| 2006 | 1.48x | $15.00 Million | $10.15 Million | ▼ -16.4% |
| 2005 | 1.77x | $15.87 Million | $8.98 Million | ▼ -8.4% |
| 2004 | 1.93x | $15.58 Million | $8.07 Million | ▼ -25.6% |
| 2003 | 2.59x | $17.68 Million | $6.82 Million | ▲ +164.9% |
| 2002 | 0.98x | $5.63 Million | $5.75 Million | ▼ -34.9% |
| 2001 | 1.50x | $7.32 Million | $4.87 Million | ▼ -8.4% |
| 2000 | 1.64x | $7.41 Million | $4.51 Million | ▼ 0.0% |
| 1999 | 1.64x | $6.90 Million | $4.20 Million | ▲ +10.5% |
| 1998 | 1.49x | $5.80 Million | $3.90 Million | ▼ -3.2% |
| 1997 | 1.54x | $5.56 Million | $3.62 Million | ▼ -21.7% |
| 1996 | 1.96x | $5.76 Million | $2.93 Million | ▼ -29.6% |
| 1995 | 2.79x | $5.97 Million | $2.14 Million | — |