COLONY BANKCORP (CBAN) Stock Fundamental Analysis
NYSE:CBAN - New York Stock Exchange, Inc. - US19623P1012 - Common Stock - Currency: USD
We assign a fundamental rating of 4 out of 10 to CBAN. CBAN was compared to 395 industry peers in the Banks industry. CBAN may be in some trouble as it scores bad on both profitability and health. CBAN may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
CBAN had positive earnings in the past year.
In the past year CBAN had a positive cash flow from operations.
In the past 5 years CBAN has always been profitable.
CBAN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
CBAN has a Return On Assets (0.79%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 8.76%, CBAN is in line with its industry, outperforming 53.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 8.76% | ||
| ROIC | N/A |
ROA(3y)0.71%
ROA(5y)0.7%
ROE(3y)8.52%
ROE(5y)8.46%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 21.44%, CBAN is in line with its industry, outperforming 42.17% of the companies in the same industry.
CBAN's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for CBAN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.44% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.26%
PM growth 5Y4.61%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CBAN does not have a ROIC to compare to the WACC, probably because it is not profitable.
CBAN has less shares outstanding than it did 1 year ago.
CBAN has more shares outstanding than it did 5 years ago.
CBAN has a better debt/assets ratio than last year.
2.2 Solvency
CBAN has a debt to FCF ratio of 1.80. This is a very positive value and a sign of high solvency as it would only need 1.80 years to pay back of all of its debts.
CBAN has a Debt to FCF ratio (1.80) which is in line with its industry peers.
CBAN has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
CBAN has a worse Debt to Equity ratio (0.22) than 61.11% of its industry peers.
Even though the debt/equity ratio score it not favorable for CBAN, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.07%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CBAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.72%, which is quite good.
Measured over the past 5 years, CBAN shows a small growth in Earnings Per Share. The EPS has been growing by 3.95% on average per year.
Looking at the last year, CBAN shows a small growth in Revenue. The Revenue has grown by 3.09% in the last year.
Measured over the past years, CBAN shows a quite strong growth in Revenue. The Revenue has been growing by 13.31% on average per year.
EPS 1Y (TTM)11.72%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%26.67%
Revenue 1Y (TTM)3.09%
Revenue growth 3Y4.05%
Revenue growth 5Y13.31%
Sales Q2Q%6.6%
3.2 Future
CBAN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.71% yearly.
CBAN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.08% yearly.
EPS Next Y27.69%
EPS Next 2Y18.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.63%
Revenue Next 2Y10.08%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.69, the valuation of CBAN can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of CBAN indicates a somewhat cheap valuation: CBAN is cheaper than 64.65% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.25, CBAN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.04, the valuation of CBAN can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CBAN indicates a somewhat cheap valuation: CBAN is cheaper than 75.00% of the companies listed in the same industry.
CBAN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.15.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.69 | ||
| Fwd PE | 8.04 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CBAN is valued cheaply inside the industry as 81.06% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.62 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CBAN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CBAN's earnings are expected to grow with 18.71% in the coming years.
PEG (NY)0.39
PEG (5Y)2.71
EPS Next 2Y18.71%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CBAN has a Yearly Dividend Yield of 3.07%. Purely for dividend investing, there may be better candidates out there.
CBAN's Dividend Yield is comparable with the industry average which is at 3.44.
Compared to an average S&P500 Dividend Yield of 2.38, CBAN pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.07% |
5.2 History
On average, the dividend of CBAN grows each year by 8.42%, which is quite nice.
CBAN has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of CBAN decreased in the last 3 years.
Dividend Growth(5Y)8.42%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
CBAN pays out 31.57% of its income as dividend. This is a sustainable payout ratio.
CBAN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP31.57%
EPS Next 2Y18.71%
EPS Next 3YN/A
15.29
+0.31 (+2.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.9%
Inst Owner Change1.31%
Ins Owners3.84%
Ins Owner Change0.02%
Market Cap266.66M
Analysts80
Price Target19.51 (27.6%)
Short Float %0.63%
Short Ratio1.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.07% |
Yearly Dividend0.45
Dividend Growth(5Y)8.42%
DP31.57%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)11.13%
Min EPS beat(2)-0.65%
Max EPS beat(2)22.91%
EPS beat(4)1
Avg EPS beat(4)4.61%
Min EPS beat(4)-3.47%
Max EPS beat(4)22.91%
EPS beat(8)2
Avg EPS beat(8)2.81%
EPS beat(12)3
Avg EPS beat(12)-2.36%
EPS beat(16)4
Avg EPS beat(16)0.29%
Revenue beat(2)1
Avg Revenue beat(2)1.39%
Min Revenue beat(2)-1.65%
Max Revenue beat(2)4.42%
Revenue beat(4)1
Avg Revenue beat(4)-0.26%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)4.42%
Revenue beat(8)2
Avg Revenue beat(8)-0.82%
Revenue beat(12)2
Avg Revenue beat(12)-2.42%
Revenue beat(16)5
Avg Revenue beat(16)-2.03%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.11%
EPS NY rev (3m)2.42%
Revenue NQ rev (1m)3.86%
Revenue NQ rev (3m)4.19%
Revenue NY rev (1m)3.17%
Revenue NY rev (3m)3.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.69 | ||
| Fwd PE | 8.04 | ||
| P/S | 2.27 | ||
| P/FCF | 7.62 | ||
| P/OCF | 7.34 | ||
| P/B | 0.93 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.43
EY9.35%
EPS(NY)1.9
Fwd EY12.44%
FCF(TTM)2.01
FCFY13.12%
OCF(TTM)2.08
OCFY13.62%
SpS6.73
BVpS16.45
TBVpS13.49
PEG (NY)0.39
PEG (5Y)2.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 8.76% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.44% | ||
| GM | N/A | ||
| FCFM | 29.83% |
ROA(3y)0.71%
ROA(5y)0.7%
ROE(3y)8.52%
ROE(5y)8.46%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.26%
PM growth 5Y4.61%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.8 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 16.76% | ||
| Cap/Sales | 1.13% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 139.14% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC15.07%
ROIC/WACCN/A
Cap/Depr(3y)26.6%
Cap/Depr(5y)43.96%
Cap/Sales(3y)2.21%
Cap/Sales(5y)3.53%
Profit Quality(3y)137.86%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.72%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%26.67%
EPS Next Y27.69%
EPS Next 2Y18.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.09%
Revenue growth 3Y4.05%
Revenue growth 5Y13.31%
Sales Q2Q%6.6%
Revenue Next Year12.63%
Revenue Next 2Y10.08%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-3.04%
FCF growth 3Y-9.65%
FCF growth 5Y124.66%
OCF growth 1Y-7.33%
OCF growth 3Y-13.45%
OCF growth 5Y43.25%