COLONY BANKCORP (CBAN) Stock Fundamental Analysis
USA - NYSE:CBAN - US19623P1012 - Common Stock
16.74 USD
+0.18 (+1.09%)
17.14 USD
+0.4 (+2.39%)
We assign a fundamental rating of 5 out of 10 to CBAN. CBAN was compared to 391 industry peers in the Banks industry. CBAN has a bad profitability rating. Also its financial health evaluation is rather negative. CBAN has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
CBAN had positive earnings in the past year.
CBAN had a positive operating cash flow in the past year.
Each year in the past 5 years CBAN has been profitable.
CBAN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.89%, CBAN is in line with its industry, outperforming 51.92% of the companies in the same industry.
CBAN has a Return On Equity of 9.41%. This is comparable to the rest of the industry: CBAN outperforms 59.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 9.41% | ||
| 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
CBAN has a Profit Margin of 22.69%. This is comparable to the rest of the industry: CBAN outperforms 46.55% of its industry peers.
In the last couple of years the Profit Margin of CBAN has grown nicely.
CBAN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.69% | ||
| 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.
Compared to 5 years ago, CBAN has more shares outstanding
The debt/assets ratio for CBAN has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of CBAN is 1.27, which is an excellent value as it means it would take CBAN, only 1.27 years of fcf income to pay off all of its debts.
CBAN has a Debt to FCF ratio of 1.27. This is in the better half of the industry: CBAN outperforms 63.17% of its industry peers.
CBAN has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
CBAN has a Debt to Equity ratio of 0.21. This is in the lower half of the industry: CBAN underperforms 60.10% 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 | 0.21 | ||
| Debt/FCF | 1.27 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.61%
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 38.40%, which is quite impressive.
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.
CBAN shows a small growth in Revenue. In the last year, the Revenue has grown by 1.38%.
The Revenue has been growing by 13.31% on average over the past years. This is quite good.
EPS 1Y (TTM)38.4%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%46.87%
Revenue 1Y (TTM)1.38%
Revenue growth 3Y4.05%
Revenue growth 5Y13.31%
Sales Q2Q%14.56%
3.2 Future
The Earnings Per Share is expected to grow by 22.16% on average over the next years. This is a very strong growth
CBAN is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.72% yearly.
EPS Next Y27.69%
EPS Next 2Y22.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.17%
Revenue Next 2Y21.72%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.68, which indicates a very decent valuation of CBAN.
Based on the Price/Earnings ratio, CBAN is valued a bit cheaper than the industry average as 79.80% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.57. CBAN is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.31, the valuation of CBAN can be described as reasonable.
CBAN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CBAN is cheaper than 77.24% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CBAN to the average of the S&P500 Index (23.09), we can say CBAN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.68 | ||
| Fwd PE | 8.31 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CBAN is valued cheaply inside the industry as 89.77% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.87 | ||
| 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 22.16% in the coming years.
PEG (NY)0.35
PEG (5Y)2.45
EPS Next 2Y22.16%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.78%, CBAN has a reasonable but not impressive dividend return.
CBAN's Dividend Yield is comparable with the industry average which is at 3.55.
Compared to an average S&P500 Dividend Yield of 2.32, CBAN has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.78% |
5.2 History
The dividend of CBAN is nicely growing with an annual growth rate of 8.42%!
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 28.82% of its income as dividend. This is a sustainable payout ratio.
The dividend of CBAN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP28.82%
EPS Next 2Y22.16%
EPS Next 3YN/A
16.74
+0.18 (+1.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners60.28%
Inst Owner Change-0.14%
Ins Owners4.14%
Ins Owner Change1.19%
Market Cap292.28M
Revenue(TTM)115.45M
Net Income(TTM)27.65M
Analysts80
Price Target20.15 (20.37%)
Short Float %3.21%
Short Ratio8.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.78% |
Yearly Dividend0.45
Dividend Growth(5Y)8.42%
DP28.82%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.35%
Min EPS beat(2)-0.65%
Max EPS beat(2)11.35%
EPS beat(4)2
Avg EPS beat(4)7.54%
Min EPS beat(4)-3.47%
Max EPS beat(4)22.91%
EPS beat(8)2
Avg EPS beat(8)2.78%
EPS beat(12)4
Avg EPS beat(12)0.89%
EPS beat(16)5
Avg EPS beat(16)1.24%
Revenue beat(2)0
Avg Revenue beat(2)-1.53%
Min Revenue beat(2)-1.65%
Max Revenue beat(2)-1.41%
Revenue beat(4)1
Avg Revenue beat(4)-0.21%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)4.42%
Revenue beat(8)2
Avg Revenue beat(8)-0.61%
Revenue beat(12)2
Avg Revenue beat(12)-2.28%
Revenue beat(16)4
Avg Revenue beat(16)-2.16%
PT rev (1m)0%
PT rev (3m)3.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.53%
EPS NY rev (1m)0%
EPS NY rev (3m)3.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.68 | ||
| Fwd PE | 8.31 | ||
| P/S | 2.4 | ||
| P/FCF | 5.87 | ||
| P/OCF | 5.73 | ||
| P/B | 0.99 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.73
EY10.33%
EPS(NY)2.01
Fwd EY12.03%
FCF(TTM)2.85
FCFY17.02%
OCF(TTM)2.92
OCFY17.46%
SpS6.98
BVpS16.83
TBVpS13.7
PEG (NY)0.35
PEG (5Y)2.45
Graham Number25.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 9.41% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.69% | ||
| GM | N/A | ||
| FCFM | 40.83% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 1.27 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 17.17% | ||
| Cap/Sales | 1.05% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 179.95% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC14.61%
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)38.4%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%46.87%
EPS Next Y27.69%
EPS Next 2Y22.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.38%
Revenue growth 3Y4.05%
Revenue growth 5Y13.31%
Sales Q2Q%14.56%
Revenue Next Year16.17%
Revenue Next 2Y21.72%
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 1Y18.31%
FCF growth 3Y-9.65%
FCF growth 5Y124.66%
OCF growth 1Y10.57%
OCF growth 3Y-13.45%
OCF growth 5Y43.25%