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Side-by-side financial comparison of COLONY BANKCORP INC (CBAN) and STEM, INC. (STEM). Click either name above to swap in a different company.
STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $39.9M, roughly 1.2× COLONY BANKCORP INC). COLONY BANKCORP INC runs the higher net margin — 20.6% vs -33.9%, a 54.5% gap on every dollar of revenue. Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 19.6%).
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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
CBAN vs STEM — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $39.9M | $47.1M |
| Net Profit | $8.2M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | — | -17.7% |
| Net Margin | 20.6% | -33.9% |
| Revenue YoY | — | -15.6% |
| Net Profit YoY | 24.1% | 68.8% |
| EPS (diluted) | — | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $32.8M | $38.2M | ||
| Q2 25 | $32.5M | $38.4M | ||
| Q1 25 | $30.0M | $32.5M | ||
| Q4 24 | $30.8M | $55.8M | ||
| Q3 24 | $28.6M | $29.3M | ||
| Q2 24 | $27.9M | $34.0M |
| Q1 26 | $8.2M | — | ||
| Q4 25 | — | $-16.0M | ||
| Q3 25 | $5.8M | $-23.8M | ||
| Q2 25 | $8.0M | $202.5M | ||
| Q1 25 | $6.6M | $-25.0M | ||
| Q4 24 | — | $-51.1M | ||
| Q3 24 | $5.6M | $-148.3M | ||
| Q2 24 | $5.5M | $-582.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% |
| Q1 26 | — | — | ||
| Q4 25 | 25.9% | -17.7% | ||
| Q3 25 | 22.2% | -33.6% | ||
| Q2 25 | 30.9% | -34.8% | ||
| Q1 25 | 27.6% | -65.0% | ||
| Q4 24 | 28.8% | -84.4% | ||
| Q3 24 | 24.6% | -493.2% | ||
| Q2 24 | 24.8% | -1705.5% |
| Q1 26 | 20.6% | — | ||
| Q4 25 | — | -33.9% | ||
| Q3 25 | 17.7% | -62.2% | ||
| Q2 25 | 24.6% | 527.8% | ||
| Q1 25 | 22.0% | -76.9% | ||
| Q4 24 | — | -91.6% | ||
| Q3 24 | 19.7% | -506.3% | ||
| Q2 24 | 19.6% | -1712.6% |
| Q1 26 | — | — | ||
| Q4 25 | $0.42 | $-4.40 | ||
| Q3 25 | $0.33 | $-2.84 | ||
| Q2 25 | $0.46 | $-1.79 | ||
| Q1 25 | $0.38 | $-0.15 | ||
| Q4 24 | $0.43 | $-15.29 | ||
| Q3 24 | $0.32 | $-18.24 | ||
| Q2 24 | $0.31 | $-71.81 |
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 | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $380.4M | $-249.4M |
| Total Assets | $3.7B | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $295.8M | — | ||
| Q4 25 | — | $48.9M | ||
| Q3 25 | — | $43.1M | ||
| Q2 25 | — | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M |
| Q1 26 | — | — | ||
| Q4 25 | $258.1M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $248.0M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $380.4M | — | ||
| Q4 25 | $375.9M | $-249.4M | ||
| Q3 25 | $302.3M | $-235.7M | ||
| Q2 25 | $293.9M | $-214.1M | ||
| Q1 25 | $286.9M | $-417.5M | ||
| Q4 24 | $278.7M | $-398.4M | ||
| Q3 24 | $276.1M | $-344.1M | ||
| Q2 24 | $264.7M | $-203.2M |
| Q1 26 | $3.7B | — | ||
| Q4 25 | $3.7B | $308.9M | ||
| Q3 25 | $3.2B | $362.6M | ||
| Q2 25 | $3.1B | $379.2M | ||
| Q1 25 | $3.2B | $405.1M | ||
| Q4 24 | $3.1B | $437.4M | ||
| Q3 24 | $3.1B | $537.8M | ||
| Q2 24 | $3.0B | $691.5M |
| Q1 26 | — | — | ||
| Q4 25 | 0.69× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.89× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $8.2M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-5.5M | $8.2M | ||
| Q3 25 | $14.4M | $11.4M | ||
| Q2 25 | $15.8M | $-21.3M | ||
| Q1 25 | $17.9M | $8.5M | ||
| Q4 24 | $23.4M | $-14.7M | ||
| Q3 24 | $20.5M | $-9.4M | ||
| Q2 24 | $1.1M | $-11.9M |
| Q1 26 | — | — | ||
| Q4 25 | $-6.9M | — | ||
| Q3 25 | $14.1M | — | ||
| Q2 25 | $15.8M | — | ||
| Q1 25 | $17.6M | — | ||
| Q4 24 | $22.3M | — | ||
| Q3 24 | $20.2M | — | ||
| Q2 24 | $990.0K | — |
| Q1 26 | — | — | ||
| Q4 25 | -18.7% | — | ||
| Q3 25 | 42.9% | — | ||
| Q2 25 | 48.5% | — | ||
| Q1 25 | 58.7% | — | ||
| Q4 24 | 72.5% | — | ||
| Q3 24 | 70.6% | — | ||
| Q2 24 | 3.5% | — |
| Q1 26 | — | — | ||
| Q4 25 | 3.7% | — | ||
| Q3 25 | 1.1% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 1.2% | — | ||
| Q4 24 | 3.5% | — | ||
| Q3 24 | 1.0% | — | ||
| Q2 24 | 0.5% | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 2.48× | — | ||
| Q2 25 | 1.99× | -0.11× | ||
| Q1 25 | 2.71× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 3.64× | — | ||
| 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% |
STEM
Segment breakdown not available.
