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COLONY BANKCORP (CBAN) Stock Fundamental Analysis

NYSE:CBAN - New York Stock Exchange, Inc. - US19623P1012 - Common Stock - Currency: USD

15.48  -0.04 (-0.26%)

After market: 15.48 0 (0%)

Fundamental Rating

4

Overall CBAN gets a fundamental rating of 4 out of 10. We evaluated CBAN against 398 industry peers in the Banks industry. CBAN has a bad profitability rating. Also its financial health evaluation is rather negative. CBAN is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year CBAN was profitable.
CBAN had a positive operating cash flow in the past year.
In the past 5 years CBAN has always been profitable.
Of the past 5 years CBAN 4 years had a positive operating cash flow.
CBAN Yearly Net Income VS EBIT VS OCF VS FCFCBAN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M

1.2 Ratios

CBAN has a Return On Assets of 0.77%. This is comparable to the rest of the industry: CBAN outperforms 44.72% of its industry peers.
Looking at the Return On Equity, with a value of 8.56%, CBAN is in line with its industry, outperforming 52.01% of the companies in the same industry.
Industry RankSector Rank
ROA 0.77%
ROE 8.56%
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
CBAN Yearly ROA, ROE, ROICCBAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 20.67%, CBAN is doing worse than 60.55% of the companies in the same industry.
CBAN's Profit Margin has improved in the last couple of years.
CBAN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 20.67%
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
CBAN Yearly Profit, Operating, Gross MarginsCBAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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3

2. Health

2.1 Basic Checks

CBAN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CBAN has less shares outstanding
The number of shares outstanding for CBAN has been increased compared to 5 years ago.
CBAN has a better debt/assets ratio than last year.
CBAN Yearly Shares OutstandingCBAN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
CBAN Yearly Total Debt VS Total AssetsCBAN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

CBAN has a debt to FCF ratio of 2.82. This is a good value and a sign of high solvency as CBAN would need 2.82 years to pay back of all of its debts.
CBAN has a Debt to FCF ratio (2.82) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.23 indicates that CBAN is not too dependend on debt financing.
CBAN has a Debt to Equity ratio (0.23) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.82
Altman-Z N/A
ROIC/WACCN/A
WACC14.9%
CBAN Yearly LT Debt VS Equity VS FCFCBAN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CBAN Yearly Current Assets VS Current LiabilitesCBAN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 500K 1M 1.5M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 11.72% over the past year.
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.
The Revenue has been growing slightly by 3.09% in the past year.
The Revenue has been growing by 13.31% on average over the past years. This is quite good.
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%6.61%

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.
Based on estimates for the next years, CBAN will show a small growth in Revenue. The Revenue will grow by 7.82% on average per year.
EPS Next Y25.04%
EPS Next 2Y18.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.17%
Revenue Next 2Y7.82%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CBAN Yearly Revenue VS EstimatesCBAN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
CBAN Yearly EPS VS EstimatesCBAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.83 indicates a reasonable valuation of CBAN.
Based on the Price/Earnings ratio, CBAN is valued a bit cheaper than 61.06% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.85. CBAN is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.14, the valuation of CBAN can be described as reasonable.
76.38% of the companies in the same industry are more expensive than CBAN, based on the Price/Forward Earnings ratio.
CBAN is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.77, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.83
Fwd PE 8.14
CBAN Price Earnings VS Forward Price EarningsCBAN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CBAN's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.12
EV/EBITDA N/A
CBAN Per share dataCBAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

The 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)0.43
PEG (5Y)2.74
EPS Next 2Y18.71%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

CBAN has a Yearly Dividend Yield of 2.95%. Purely for dividend investing, there may be better candidates out there.
CBAN's Dividend Yield is comparable with the industry average which is at 3.51.
Compared to an average S&P500 Dividend Yield of 2.45, CBAN pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.95%

5.2 History

The dividend of CBAN is nicely growing with an annual growth rate of 8.42%!
CBAN has been paying a dividend for at least 10 years, so it has a reliable track record.
CBAN has decreased its dividend in the last 3 years.
Dividend Growth(5Y)8.42%
Div Incr Years2
Div Non Decr Years2
CBAN Yearly Dividends per shareCBAN Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

33.09% of the earnings are spent on dividend by CBAN. This is a low number and sustainable payout ratio.
CBAN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP33.09%
EPS Next 2Y18.71%
EPS Next 3YN/A
CBAN Yearly Income VS Free CF VS DividendCBAN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M
CBAN Dividend Payout.CBAN Dividend Payout, showing the Payout Ratio.CBAN Dividend Payout.PayoutRetained Earnings

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COLONY BANKCORP

NYSE:CBAN (5/1/2025, 8:48:51 PM)

After market: 15.48 0 (0%)

15.48

-0.04 (-0.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners57.9%
Inst Owner Change-0.08%
Ins Owners3.84%
Ins Owner Change0.02%
Market Cap270.59M
Analysts80
Price Target19.51 (26.03%)
Short Float %0.68%
Short Ratio1.43
Dividend
Industry RankSector Rank
Dividend Yield 2.95%
Yearly Dividend0.45
Dividend Growth(5Y)8.42%
DP33.09%
Div Incr Years2
Div Non Decr Years2
Ex-Date02-05 2025-02-05 (0.115)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.72%
Min EPS beat(2)-3.47%
Max EPS beat(2)22.91%
EPS beat(4)1
Avg EPS beat(4)3.49%
Min EPS beat(4)-5.12%
Max EPS beat(4)22.91%
EPS beat(8)3
Avg EPS beat(8)4.12%
EPS beat(12)3
Avg EPS beat(12)-2.93%
EPS beat(16)5
Avg EPS beat(16)2.86%
Revenue beat(2)1
Avg Revenue beat(2)1.1%
Min Revenue beat(2)-2.22%
Max Revenue beat(2)4.42%
Revenue beat(4)1
Avg Revenue beat(4)0.14%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)4.42%
Revenue beat(8)2
Avg Revenue beat(8)-1.29%
Revenue beat(12)2
Avg Revenue beat(12)-2.97%
Revenue beat(16)6
Avg Revenue beat(16)-1.87%
PT rev (1m)0%
PT rev (3m)0.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.7%
EPS NY rev (1m)0.3%
EPS NY rev (3m)7.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.55%
Revenue NY rev (1m)0.32%
Revenue NY rev (3m)2.94%
Valuation
Industry RankSector Rank
PE 10.83
Fwd PE 8.14
P/S 2.34
P/FCF 12.12
P/OCF 11.56
P/B 0.97
P/tB 1.19
EV/EBITDA N/A
EPS(TTM)1.43
EY9.24%
EPS(NY)1.9
Fwd EY12.29%
FCF(TTM)1.28
FCFY8.25%
OCF(TTM)1.34
OCFY8.65%
SpS6.6
BVpS15.94
TBVpS12.97
PEG (NY)0.43
PEG (5Y)2.74
Profitability
Industry RankSector Rank
ROA 0.77%
ROE 8.56%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.67%
GM N/A
FCFM 19.33%
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 RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.82
Debt/EBITDA N/A
Cap/Depr 13.28%
Cap/Sales 0.94%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 93.52%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.9%
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 Y25.04%
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%6.61%
Revenue Next Year9.17%
Revenue Next 2Y7.82%
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 1Y28.54%
FCF growth 3Y-9.65%
FCF growth 5Y124.66%
OCF growth 1Y11.52%
OCF growth 3Y-13.45%
OCF growth 5Y43.25%