COLONY BANKCORP (CBAN) Stock Fundamental Analysis
NYSE:CBAN - New York Stock Exchange, Inc. - US19623P1012 - Common Stock - Currency: USD
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.
1. Profitability
1.1 Basic Checks
In the past year CBAN was profitable.
CBAN had a positive operating cash flow in the past year.
CBAN had positive earnings in each of the past 5 years.
In multiple years CBAN reported negative operating cash flow during the last 5 years.
1.2 Ratios
CBAN's Return On Assets of 0.72% is in line compared to the rest of the industry. CBAN outperforms 42.21% of its industry peers.
CBAN has a Return On Equity (7.98%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 7.98% | ||
| 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's Profit Margin of 19.53% is on the low side compared to the rest of the industry. CBAN is outperformed by 63.07% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.53% | ||
| 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.
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.
2.2 Solvency
The Debt to FCF ratio of CBAN is 2.02, which is a good value as it means it would take CBAN, 2.02 years of fcf income to pay off all of its debts.
CBAN has a Debt to FCF ratio (2.02) 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's Debt to Equity ratio of 0.23 is in line compared to the rest of the industry. CBAN outperforms 42.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.65% 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.
Looking at the last year, CBAN shows a small growth in Revenue. The Revenue has grown by 1.38% in the last year.
The Revenue has been growing by 13.31% on average over the past years. This is quite good.
EPS 1Y (TTM)4.65%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%31.25%
Revenue 1Y (TTM)1.38%
Revenue growth 3Y4.05%
Revenue growth 5Y13.31%
Sales Q2Q%9.23%
3.2 Future
The Earnings Per Share is expected to grow by 18.71% on average over the next years. This is quite good.
The Revenue is expected to grow by 7.82% on average over the next years.
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
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.87, which indicates a very decent valuation of CBAN.
CBAN's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 28.29, CBAN is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.69, the valuation of CBAN can be described as very reasonable.
CBAN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CBAN is cheaper than 67.84% of the companies 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 21.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.87 | ||
| Fwd PE | 8.69 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CBAN is valued a bit cheaper than 71.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.22 | ||
| 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.
CBAN's earnings are expected to grow with 18.71% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.43
PEG (5Y)2.75
EPS Next 2Y18.71%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CBAN has a Yearly Dividend Yield of 3.11%.
CBAN's Dividend Yield is comparable with the industry average which is at 3.66.
CBAN's Dividend Yield is a higher than the S&P500 average which is at 2.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.11% |
5.2 History
On average, the dividend of CBAN grows each year by 16.90%, which is quite nice.
CBAN has paid a dividend for at least 10 years, which is a reliable track record.
CBAN has decreased its dividend in the last 3 years.
Dividend Growth(5Y)16.9%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
CBAN pays out 35.66% of its income as dividend. This is a sustainable payout ratio.
CBAN's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP35.66%
EPS Next 2Y18.71%
EPS Next 3YN/A
NYSE:CBAN (4/21/2025, 2:32:22 PM)
14.67
-0.13 (-0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.9%
Inst Owner Change-0.07%
Ins Owners3.84%
Ins Owner Change0.02%
Market Cap257.02M
Analysts80
Price Target19.51 (32.99%)
Short Float %0.44%
Short Ratio1.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.11% |
Yearly Dividend0.44
Dividend Growth(5Y)16.9%
DP35.66%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.91%
Min EPS beat(2)-3.47%
Max EPS beat(2)-0.35%
EPS beat(4)0
Avg EPS beat(4)-2.73%
Min EPS beat(4)-5.12%
Max EPS beat(4)-0.35%
EPS beat(8)2
Avg EPS beat(8)-0.39%
EPS beat(12)2
Avg EPS beat(12)-6.31%
EPS beat(16)5
Avg EPS beat(16)1.92%
Revenue beat(2)0
Avg Revenue beat(2)-1.91%
Min Revenue beat(2)-2.22%
Max Revenue beat(2)-1.59%
Revenue beat(4)0
Avg Revenue beat(4)-1.64%
Min Revenue beat(4)-2.72%
Max Revenue beat(4)-0.04%
Revenue beat(8)1
Avg Revenue beat(8)-2.33%
Revenue beat(12)2
Avg Revenue beat(12)-3.28%
Revenue beat(16)6
Avg Revenue beat(16)-1.68%
PT rev (1m)0%
PT rev (3m)0.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.3%
EPS NY rev (3m)7.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.32%
Revenue NY rev (3m)2.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.87 | ||
| Fwd PE | 8.69 | ||
| P/S | 2.28 | ||
| P/FCF | 8.22 | ||
| P/OCF | 7.93 | ||
| P/B | 0.93 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.35
EY9.2%
EPS(NY)1.69
Fwd EY11.51%
FCF(TTM)1.78
FCFY12.16%
OCF(TTM)1.85
OCFY12.61%
SpS6.44
BVpS15.76
TBVpS12.78
PEG (NY)0.43
PEG (5Y)2.75
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 7.98% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.53% | ||
| GM | N/A | ||
| FCFM | 27.7% |
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.02 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 14.14% | ||
| Cap/Sales | 1.02% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 141.88% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC13.13%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.65%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%31.25%
EPS Next Y25.04%
EPS Next 2Y18.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.38%
Revenue growth 3Y4.05%
Revenue growth 5Y13.31%
Sales Q2Q%9.23%
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 1Y24.74%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y9.93%
OCF growth 3YN/A
OCF growth 5YN/A