Stock Ratings / Financials / CBAN / options

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Colony Bankcorp Inc. (CBAN) Options Positioning, Max Pain & Unusual Sweeps

$20.42 +0.30% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $20.39

Colony Bankcorp Inc. (CBAN) carries a Roarable Rating of D- (Sell) with 40/100 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.

📊 Historical Track Record Warning: Scores below 50 (40/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D- • RED ALERT Cap $433.3M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $20.39 (-0.14%)🧬 Dilution Drag (+2.48% YoY Shares)⚙️ Cash Engine: 3/20 (E) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (40/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.4% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • D-

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

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

5-PILLAR SNOWFLAKE RADARRw E · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-8.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CBAN)Realized 20D OHLCV Swing Band: ±4.7%

Deterministic 5-Pillar Attribution (40/100 Composite)

🔍 WHY CBAN SCORES 40/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+12/20 pts (30% of score)

20D Institutional Volume Accumulation (±4.7% realized swing band)

▲ #2 Bullish Driver: Macro Regime Fit+12/20 pts (30% of score)

FRED Regime × Technicals: 69% of 52W Range • RSI-14 at 50 (NEUTRAL RANGE)

▼ #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

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$19.97-1% Next Q

Q2 (-2Q)

Grade E$19.77+3% Next Q

Q3 (-1Q)

Grade E$20.36+0.3% Next Q

Current

Grade D-$20.42-7.4% Hist 90D α

Trajectory: E (32) → D- (40)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a CBAN Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While CBAN currently carries a cautious 40/100 (D-) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($20.67) and Max Pain ($21.44) forces dealer call-delta covering toward $23.58.

🚀 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 $CBAN• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CBAN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 40%NO 60%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.7%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (CBAN)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for CBAN.

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

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

✓Walkthrough of CBAN's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓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: +2.92%📐 HORIZONTAL RANGE

2026-10-30O $20.35H $20.62L $20.20C $20.42VOL 156.5K

RES: $22.09SUP: $19.29SMA50: $20.67SMA200: $20.41

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

🦋 CBAN Butterfly Map → + Track CBAN →

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)

43.9%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CBAN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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 →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CBAN)

Financials Rank #984 of 1096 ⚔️ RBB vs CBAN Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Colony Bankcorp Inc. (CBAN) ranks #984 by composite RQD confidence (40/100, grade D-) and #738 by equity capitalization ($433.3M). Within this direct 5-issuer industry benchmark cohort, FNLC leads on earnings valuation at 12.0x trailing P/E, while CBK leads on capital efficiency and profitability with 13.0% ROIC and — gross margin. CBK currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with CBAN at 40/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CBAN ACTIVE Colony Bankcorp Inc.	D-	40/100	65.5x	—	1.8%	+0.30%	$433.3M	Benchmark Subject
RBB RBB Bancorp	C-	59/100	13.8x	—	6.1%	-0.23%	$440.5M	/rbb-vs-cban →
CHMG Chemung Financial Corp	C+	68/100	28.0x	—	5.9%	+2.10%	$422.4M	/chmg-vs-cban →
CBK Commercial Bancgroup Inc.	C+	69/100	12.2x	—	13.0%	+1.17%	$452.0M	/cbk-vs-cban →
FNLC First Bancorp Inc (ME)	C+	69/100	12.0x	—	12.1%	+0.77%	$412.5M	/fnlc-vs-cban →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000711669

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Colony Bankcorp Inc. (CBAN) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	$6.6M	-$5.5M	-$6.9M	$3.74B	—
FY2024 (FY)	2024-12-31	$0	$23.9M	$23.4M	$22.3M	$3.11B	—
FY2023 (FY)	2023-12-31	$0	$21.7M	$21.0M	$21.0M	—	—

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-01, Colony Bankcorp Inc. (NYSE: CBAN) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 40/100 at a spot price of $20.42 (+0.30% 1D, market cap $433.3M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 3/20. Across 1096 tracked Financials issuers, CBAN ranks #984 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 D- (40/100 RQD), trailing P/E of 65.5x, gross margin of —, 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 $440.5M) and CHMG (Chemung Financial Corp) posts a C+ grade (68/100 RQD, P/E 28.0x, ROIC 5.9%, cap $422.4M). Among the 5-stock peer group, FNLC leads on earnings multiple (12.0x) while CBK leads on capital efficiency (13.0% 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 $0 in revenue, $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 $20.42 (+0.30% on volume of 140,416 shares), positioning the stock -1.21% below its 50-day simple moving average ($20.67) and +0.05% above its 200-day simple moving average ($20.41). Across its 52-week range of $15.80 to $22.46, CBAN sits at the 69.4% percentile with a 14-day RSI of 50.0 (NEUTRAL RANGE) and an implied next-earnings move of ±4.7% ($19.46 to $21.38).

CBAN Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is CBAN's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for CBAN.

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