COLONY BANKCORP (CBAN) Stock Fundamental Analysis
USA - NYSE:CBAN - US19623P1012 - Common Stock
17.58 USD
-0.68 (-3.72%)
17.58 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to CBAN. CBAN was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of CBAN have multiple concerns. CBAN is evaluated to be cheap and growing strongly. This does not happen too often!
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.
CBAN had positive earnings in each of the past 5 years.
CBAN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of CBAN (0.89%) is comparable to the rest of the industry.
The Return On Equity of CBAN (9.41%) is comparable to the rest of the industry.
| 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's Profit Margin of 22.69% is in line compared to the rest of the industry. CBAN outperforms 46.43% 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.
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 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.
Looking at the Debt to FCF ratio, with a value of 1.27, CBAN is in the better half of the industry, outperforming 63.78% of the companies in the same industry.
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 (0.21) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 1.27 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.66%
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 25.40% 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 7.32% in the past year.
CBAN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.31% yearly.
EPS 1Y (TTM)25.4%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%48.39%
Revenue 1Y (TTM)7.32%
Revenue growth 3Y4.05%
Revenue growth 5Y13.31%
Sales Q2Q%16.4%
3.2 Future
Based on estimates for the next years, CBAN will show a very strong growth in Earnings Per Share. The EPS will grow by 22.16% on average per year.
Based on estimates for the next years, CBAN will show a very strong growth in Revenue. The Revenue will grow by 21.72% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 11.13, which indicates a very decent valuation of CBAN.
Compared to the rest of the industry, the Price/Earnings ratio of CBAN indicates a somewhat cheap valuation: CBAN is cheaper than 69.39% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of CBAN to the average of the S&P500 Index (27.38), we can say CBAN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.73, 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 77.30% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.86. CBAN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.13 | ||
| Fwd PE | 8.73 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CBAN is valued cheaper than 89.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.17 | ||
| EV/EBITDA | N/A |
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 22.16% in the coming years.
PEG (NY)0.4
PEG (5Y)2.82
EPS Next 2Y22.16%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CBAN has a Yearly Dividend Yield of 2.52%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.54, CBAN has a dividend in line with its industry peers.
CBAN's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
5.2 History
On average, the dividend of CBAN grows each year by 8.42%, which is quite nice.
CBAN has been paying a dividend for at least 10 years, so it has 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
28.82% 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.
DP28.82%
EPS Next 2Y22.16%
EPS Next 3YN/A
17.58
-0.68 (-3.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.98%
Inst Owner Change1.32%
Ins Owners4.17%
Ins Owner Change1.19%
Market Cap306.95M
Analysts80
Price Target20.15 (14.62%)
Short Float %2.76%
Short Ratio7.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
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 | 11.13 | ||
| Fwd PE | 8.73 | ||
| P/S | 2.52 | ||
| P/FCF | 6.17 | ||
| P/OCF | 6.01 | ||
| P/B | 1.04 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.58
EY8.99%
EPS(NY)2.01
Fwd EY11.46%
FCF(TTM)2.85
FCFY16.21%
OCF(TTM)2.92
OCFY16.63%
SpS6.98
BVpS16.83
TBVpS13.7
PEG (NY)0.4
PEG (5Y)2.82
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
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-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
WACC14.66%
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)25.4%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%48.39%
EPS Next Y27.69%
EPS Next 2Y22.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.32%
Revenue growth 3Y4.05%
Revenue growth 5Y13.31%
Sales Q2Q%16.4%
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%