COLONY BANKCORP (CBAN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CBAN - US19623P1012 - Common Stock
17.15 USD
+0.15 (+0.88%)
17.15 USD
0 (0%)
CBAN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. CBAN has a bad profitability rating. Also its financial health evaluation is rather negative. An interesting combination arises when we look at growth and value: CBAN is growing strongly while it also seems undervalued.
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.
Each year in the past 5 years CBAN has been profitable.
Of the past 5 years CBAN 4 years had a positive operating cash flow.
1.2 Ratios
CBAN's Return On Assets of 0.88% is in line compared to the rest of the industry. CBAN outperforms 49.10% of its industry peers.
The Return On Equity of CBAN (9.21%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 9.21% | ||
| 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
The Profit Margin of CBAN (22.09%) is comparable to the rest of the industry.
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) | 22.09% | ||
| 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.
Compared to 1 year ago, CBAN has less shares outstanding
CBAN has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, CBAN has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of CBAN is 1.45, which is an excellent value as it means it would take CBAN, only 1.45 years of fcf income to pay off all of its debts.
CBAN has a Debt to FCF ratio (1.45) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.21 indicates that CBAN is not too dependend on debt financing.
CBAN has a Debt to Equity ratio of 0.21. This is comparable to the rest of the industry: CBAN outperforms 41.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 1.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.42%
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 grown by an impressive 27.20% 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 quite strong growth in Revenue. The Revenue has grown by 11.70% 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)27.2%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%3.13%
Revenue 1Y (TTM)11.7%
Revenue growth 3Y4.05%
Revenue growth 5Y13.31%
Sales Q2Q%14.56%
3.2 Future
The Earnings Per Share is expected to grow by 19.70% on average over the next years. This is quite good.
CBAN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.14% yearly.
EPS Next Y27.69%
EPS Next 2Y21.69%
EPS Next 3Y19.7%
EPS Next 5YN/A
Revenue Next Year15.22%
Revenue Next 2Y20.32%
Revenue Next 3Y15.14%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.79, which indicates a very decent valuation of CBAN.
CBAN's Price/Earnings ratio is a bit cheaper when compared to the industry. CBAN is cheaper than 65.89% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.31. CBAN is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 8.58, the valuation of CBAN can be described as very reasonable.
77.00% 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 36.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.79 | ||
| Fwd PE | 8.58 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CBAN is valued cheaper than 85.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.85 | ||
| 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 19.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)2.73
EPS Next 2Y21.69%
EPS Next 3Y19.7%
5. Dividend
5.1 Amount
CBAN has a Yearly Dividend Yield of 2.71%.
Compared to an average industry Dividend Yield of 3.23, CBAN has a dividend in line with its industry peers.
CBAN's Dividend Yield is comparable with the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.71% |
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.
CBAN has decreased its dividend in the last 3 years.
Dividend Growth(5Y)8.42%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
28.75% of the earnings are spent on dividend by CBAN. This is a low number and sustainable payout ratio.
The dividend of CBAN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP28.75%
EPS Next 2Y21.69%
EPS Next 3Y19.7%
17.15
+0.15 (+0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners60.28%
Inst Owner Change4.27%
Ins Owners4.14%
Ins Owner Change1.27%
Market Cap298.92M
Revenue(TTM)126.05M
Net Income(TTM)27.84M
Analysts80
Price Target20.15 (17.49%)
Short Float %3.36%
Short Ratio10
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.71% |
Yearly Dividend0.45
Dividend Growth(5Y)8.42%
DP28.75%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-7.56%
Min EPS beat(2)-26.47%
Max EPS beat(2)11.35%
EPS beat(4)2
Avg EPS beat(4)1.79%
Min EPS beat(4)-26.47%
Max EPS beat(4)22.91%
EPS beat(8)2
Avg EPS beat(8)-0.47%
EPS beat(12)4
Avg EPS beat(12)0.34%
EPS beat(16)4
Avg EPS beat(16)-4.28%
Revenue beat(2)0
Avg Revenue beat(2)-3.01%
Min Revenue beat(2)-4.61%
Max Revenue beat(2)-1.41%
Revenue beat(4)1
Avg Revenue beat(4)-0.81%
Min Revenue beat(4)-4.61%
Max Revenue beat(4)4.42%
Revenue beat(8)1
Avg Revenue beat(8)-1.23%
Revenue beat(12)2
Avg Revenue beat(12)-1.82%
Revenue beat(16)3
Avg Revenue beat(16)-2.66%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.7%
Revenue NY rev (1m)-0.82%
Revenue NY rev (3m)-0.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.79 | ||
| Fwd PE | 8.58 | ||
| P/S | 2.37 | ||
| P/FCF | 6.85 | ||
| P/OCF | 6.65 | ||
| P/B | 0.99 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.59
EY9.27%
EPS(NY)2
Fwd EY11.66%
FCF(TTM)2.5
FCFY14.59%
OCF(TTM)2.58
OCFY15.04%
SpS7.23
BVpS17.35
TBVpS14.22
PEG (NY)0.39
PEG (5Y)2.73
Graham Number24.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 9.21% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.09% | ||
| GM | N/A | ||
| FCFM | 34.6% |
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 | 1.45 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 18.1% | ||
| Cap/Sales | 1.07% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 156.64% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC14.42%
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)27.2%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%3.13%
EPS Next Y27.69%
EPS Next 2Y21.69%
EPS Next 3Y19.7%
EPS Next 5YN/A
Revenue 1Y (TTM)11.7%
Revenue growth 3Y4.05%
Revenue growth 5Y13.31%
Sales Q2Q%14.56%
Revenue Next Year15.22%
Revenue Next 2Y20.32%
Revenue Next 3Y15.14%
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 1Y74.03%
FCF growth 3Y-9.65%
FCF growth 5Y124.66%
OCF growth 1Y52.44%
OCF growth 3Y-13.45%
OCF growth 5Y43.25%
COLONY BANKCORP / CBAN FAQ
Can you provide the ChartMill fundamental rating for COLONY BANKCORP?
ChartMill assigns a fundamental rating of 5 / 10 to CBAN.
Can you provide the valuation status for COLONY BANKCORP?
ChartMill assigns a valuation rating of 7 / 10 to COLONY BANKCORP (CBAN). This can be considered as Undervalued.
What is the profitability of CBAN stock?
COLONY BANKCORP (CBAN) has a profitability rating of 3 / 10.
What are the PE and PB ratios of COLONY BANKCORP (CBAN) stock?
The Price/Earnings (PE) ratio for COLONY BANKCORP (CBAN) is 10.79 and the Price/Book (PB) ratio is 0.99.
Is the dividend of COLONY BANKCORP sustainable?
The dividend rating of COLONY BANKCORP (CBAN) is 5 / 10 and the dividend payout ratio is 28.75%.