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Side-by-side financial comparison of COLONY BANKCORP INC (CBAN) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $39.9M, roughly 2.0× COLONY BANKCORP INC). COLONY BANKCORP INC runs the higher net margin — 20.6% vs -178.3%, a 198.9% gap on every dollar of revenue. Over the past eight quarters, COLONY BANKCORP INC's revenue compounded faster (19.6% CAGR vs -1.3%).
Colony Bankcorp Inc is a US-based bank holding company that operates Colony Bank. It provides a full suite of personal and commercial banking services including deposit accounts, consumer and business loans, mortgage services, and wealth management solutions, primarily serving retail customers and small-to-medium enterprises across the state of Georgia.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
CBAN vs RPAY — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $39.9M | $78.6M |
| Net Profit | $8.2M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | — | -182.2% |
| Net Margin | 20.6% | -178.3% |
| Revenue YoY | — | 0.4% |
| Net Profit YoY | 24.1% | -3304.1% |
| EPS (diluted) | — | $-1.68 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $39.9M | — | ||
| Q4 25 | $36.9M | $78.6M | ||
| Q3 25 | $32.8M | $77.7M | ||
| Q2 25 | $32.5M | $75.6M | ||
| Q1 25 | $30.0M | $77.3M | ||
| Q4 24 | $30.8M | $78.3M | ||
| Q3 24 | $28.6M | $79.1M | ||
| Q2 24 | $27.9M | $74.9M |
| Q1 26 | $8.2M | — | ||
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $5.8M | $-6.4M | ||
| Q2 25 | $8.0M | $-102.3M | ||
| Q1 25 | $6.6M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $5.6M | $3.2M | ||
| Q2 24 | $5.5M | $-4.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% |
| Q1 26 | — | — | ||
| Q4 25 | 25.9% | -182.2% | ||
| Q3 25 | 22.2% | -3.9% | ||
| Q2 25 | 30.9% | -138.7% | ||
| Q1 25 | 27.6% | -4.7% | ||
| Q4 24 | 28.8% | -1.5% | ||
| Q3 24 | 24.6% | -0.9% | ||
| Q2 24 | 24.8% | -4.6% |
| Q1 26 | 20.6% | — | ||
| Q4 25 | — | -178.3% | ||
| Q3 25 | 17.7% | -8.3% | ||
| Q2 25 | 24.6% | -135.2% | ||
| Q1 25 | 22.0% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 19.7% | 4.1% | ||
| Q2 24 | 19.6% | -5.4% |
| Q1 26 | — | — | ||
| Q4 25 | $0.42 | $-1.68 | ||
| Q3 25 | $0.33 | $-0.08 | ||
| Q2 25 | $0.46 | $-1.15 | ||
| Q1 25 | $0.38 | $-0.09 | ||
| Q4 24 | $0.43 | $-0.04 | ||
| Q3 24 | $0.32 | $0.03 | ||
| Q2 24 | $0.31 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $295.8M | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $380.4M | $484.4M |
| Total Assets | $3.7B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $295.8M | — | ||
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M |
| Q1 26 | — | — | ||
| Q4 25 | $258.1M | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | $248.0M | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M |
| Q1 26 | $380.4M | — | ||
| Q4 25 | $375.9M | $484.4M | ||
| Q3 25 | $302.3M | $616.9M | ||
| Q2 25 | $293.9M | $633.7M | ||
| Q1 25 | $286.9M | $755.7M | ||
| Q4 24 | $278.7M | $761.3M | ||
| Q3 24 | $276.1M | $754.7M | ||
| Q2 24 | $264.7M | $815.4M |
| Q1 26 | $3.7B | — | ||
| Q4 25 | $3.7B | $1.2B | ||
| Q3 25 | $3.2B | $1.3B | ||
| Q2 25 | $3.1B | $1.4B | ||
| Q1 25 | $3.2B | $1.5B | ||
| Q4 24 | $3.1B | $1.6B | ||
| Q3 24 | $3.1B | $1.6B | ||
| Q2 24 | $3.0B | $1.5B |
| Q1 26 | — | — | ||
| Q4 25 | 0.69× | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | 0.89× | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-5.5M | $23.3M | ||
| Q3 25 | $14.4M | $32.2M | ||
| Q2 25 | $15.8M | $33.1M | ||
| Q1 25 | $17.9M | $2.5M | ||
| Q4 24 | $23.4M | $34.3M | ||
| Q3 24 | $20.5M | $60.1M | ||
| Q2 24 | $1.1M | $31.0M |
| Q1 26 | — | — | ||
| Q4 25 | $-6.9M | $23.2M | ||
| Q3 25 | $14.1M | $32.1M | ||
| Q2 25 | $15.8M | $33.0M | ||
| Q1 25 | $17.6M | $2.4M | ||
| Q4 24 | $22.3M | $34.0M | ||
| Q3 24 | $20.2M | $59.8M | ||
| Q2 24 | $990.0K | $30.5M |
| Q1 26 | — | — | ||
| Q4 25 | -18.7% | 29.6% | ||
| Q3 25 | 42.9% | 41.3% | ||
| Q2 25 | 48.5% | 43.6% | ||
| Q1 25 | 58.7% | 3.0% | ||
| Q4 24 | 72.5% | 43.5% | ||
| Q3 24 | 70.6% | 75.6% | ||
| Q2 24 | 3.5% | 40.7% |
| Q1 26 | — | — | ||
| Q4 25 | 3.7% | 0.1% | ||
| Q3 25 | 1.1% | 0.2% | ||
| Q2 25 | 0.3% | 0.1% | ||
| Q1 25 | 1.2% | 0.2% | ||
| Q4 24 | 3.5% | 0.3% | ||
| Q3 24 | 1.0% | 0.3% | ||
| Q2 24 | 0.5% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 2.48× | — | ||
| Q2 25 | 1.99× | — | ||
| Q1 25 | 2.71× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 3.64× | 18.52× | ||
| Q2 24 | 0.20× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CBAN
| Net Interest Income | $29.2M | 73% |
| Noninterest Income | $10.7M | 27% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
