COLONY BANKCORP (CBAN) Fundamental Analysis & Valuation

NYSE:CBAN • US19623P1012

Current stock price

20.27 USD
+0.16 (+0.8%)
At close:
20.27 USD
0 (0%)
After Hours:

This CBAN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CBAN Profitability Analysis

1.1 Basic Checks

  • CBAN had positive earnings in the past year.
  • In the past year CBAN has reported a negative 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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M

1.2 Ratios

  • The Return On Assets of CBAN (0.76%) is worse than 69.21% of its industry peers.
  • CBAN has a Return On Equity of 7.52%. This is in the lower half of the industry: CBAN underperforms 67.89% of its industry peers.
Industry RankSector Rank
ROA 0.76%
ROE 7.52%
ROIC N/A
ROA(3y)0.75%
ROA(5y)0.72%
ROE(3y)8.2%
ROE(5y)8.33%
ROIC(3y)N/A
ROIC(5y)N/A
CBAN Yearly ROA, ROE, ROICCBAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of CBAN (21.37%) is worse than 68.42% of its industry peers.
  • CBAN's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for CBAN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.37%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.24%
PM growth 5Y7.54%
GM growth 3YN/A
GM growth 5YN/A
CBAN Yearly Profit, Operating, Gross MarginsCBAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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1

2. CBAN Health Analysis

2.1 Basic Checks

  • CBAN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for CBAN has been increased compared to 1 year ago.
  • Compared to 5 years ago, CBAN has more shares outstanding
  • Compared to 1 year ago, CBAN has an improved debt to assets ratio.
CBAN Yearly Shares OutstandingCBAN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
CBAN Yearly Total Debt VS Total AssetsCBAN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • CBAN has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of CBAN (0.17) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.45%
CBAN Yearly LT Debt VS Equity VS FCFCBAN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M

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 2025 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. CBAN Growth Analysis

3.1 Past

  • CBAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.78%, which is quite good.
  • The Earnings Per Share has been growing slightly by 5.07% on average over the past years.
  • The Revenue has grown by 14.49% in the past year. This is quite good.
  • Measured over the past years, CBAN shows a quite strong growth in Revenue. The Revenue has been growing by 10.73% on average per year.
EPS 1Y (TTM)17.78%
EPS 3Y7.5%
EPS 5Y5.07%
EPS Q2Q%0%
Revenue 1Y (TTM)14.49%
Revenue growth 3Y4.54%
Revenue growth 5Y10.73%
Sales Q2Q%19.92%

3.2 Future

  • The Earnings Per Share is expected to grow by 20.94% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, CBAN will show a quite strong growth in Revenue. The Revenue will grow by 15.46% on average per year.
EPS Next Y39.85%
EPS Next 2Y20.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.15%
Revenue Next 2Y15.46%
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.
CBAN Yearly Revenue VS EstimatesCBAN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
CBAN Yearly EPS VS EstimatesCBAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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5

4. CBAN Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.75, the valuation of CBAN can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of CBAN is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 26.21, CBAN is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.12, which indicates a very decent valuation of CBAN.
  • Based on the Price/Forward Earnings ratio, CBAN is valued a bit cheaper than 77.11% 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 23.13.
Industry RankSector Rank
PE 12.75
Fwd PE 9.12
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CBAN Per share dataCBAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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 20.94% in the coming years.
PEG (NY)0.32
PEG (5Y)2.51
EPS Next 2Y20.94%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. CBAN Dividend Analysis

5.1 Amount

  • CBAN has a Yearly Dividend Yield of 2.46%. Purely for dividend investing, there may be better candidates out there.
  • CBAN's Dividend Yield is comparable with the industry average which is at 2.73.
  • CBAN's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.46%

5.2 History

  • The dividend of CBAN has a limited annual growth rate of 0.72%.
  • CBAN has paid a dividend for at least 10 years, which is a reliable track record.
  • CBAN has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)0.72%
Div Incr Years3
Div Non Decr Years3
CBAN Yearly Dividends per shareCBAN Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • 28.45% 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.
DP28.45%
EPS Next 2Y20.94%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M
CBAN Dividend Payout.CBAN Dividend Payout, showing the Payout Ratio.CBAN Dividend Payout.PayoutRetained Earnings

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CBAN Fundamentals: All Metrics, Ratios and Statistics

COLONY BANKCORP

NYSE:CBAN (4/6/2026, 7:25:41 PM)

After market: 20.27 0 (0%)

20.27

+0.16 (+0.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-29
Inst Owners56.16%
Inst Owner Change0%
Ins Owners3.72%
Ins Owner Change-0.69%
Market Cap429.12M
Revenue(TTM)132.18M
Net Income(TTM)28.25M
Analysts82.5
Price Target23.21 (14.5%)
Short Float %1.1%
Short Ratio1.31
Dividend
Industry RankSector Rank
Dividend Yield 2.46%
Yearly Dividend0.41
Dividend Growth(5Y)0.72%
DP28.45%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-11
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-6.05%
Min EPS beat(2)-26.47%
Max EPS beat(2)14.38%
EPS beat(4)2
Avg EPS beat(4)-0.35%
Min EPS beat(4)-26.47%
Max EPS beat(4)14.38%
EPS beat(8)3
Avg EPS beat(8)1.57%
EPS beat(12)5
Avg EPS beat(12)2.63%
EPS beat(16)5
Avg EPS beat(16)-2.29%
Revenue beat(2)0
Avg Revenue beat(2)-2.59%
Min Revenue beat(2)-4.61%
Max Revenue beat(2)-0.58%
Revenue beat(4)0
Avg Revenue beat(4)-2.06%
Min Revenue beat(4)-4.61%
Max Revenue beat(4)-0.58%
Revenue beat(8)1
Avg Revenue beat(8)-0.96%
Revenue beat(12)2
Avg Revenue beat(12)-1.55%
Revenue beat(16)2
Avg Revenue beat(16)-2.75%
PT rev (1m)3.41%
PT rev (3m)15.19%
EPS NQ rev (1m)-8.82%
EPS NQ rev (3m)1.09%
EPS NY rev (1m)0%
EPS NY rev (3m)11.22%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.19%
Valuation
Industry RankSector Rank
PE 12.75
Fwd PE 9.12
P/S 3.25
P/FCF N/A
P/OCF N/A
P/B 1.14
P/tB 1.41
EV/EBITDA N/A
EPS(TTM)1.59
EY7.84%
EPS(NY)2.22
Fwd EY10.97%
FCF(TTM)-0.33
FCFYN/A
OCF(TTM)-0.26
OCFYN/A
SpS6.24
BVpS17.76
TBVpS14.37
PEG (NY)0.32
PEG (5Y)2.51
Graham Number25.2
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 7.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.37%
GM N/A
FCFM N/A
ROA(3y)0.75%
ROA(5y)0.72%
ROE(3y)8.2%
ROE(5y)8.33%
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 3Y8.24%
PM growth 5Y7.54%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 17.53%
Cap/Sales 1.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.45%
ROIC/WACCN/A
Cap/Depr(3y)24.13%
Cap/Depr(5y)33%
Cap/Sales(3y)1.71%
Cap/Sales(5y)2.67%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17.78%
EPS 3Y7.5%
EPS 5Y5.07%
EPS Q2Q%0%
EPS Next Y39.85%
EPS Next 2Y20.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.49%
Revenue growth 3Y4.54%
Revenue growth 5Y10.73%
Sales Q2Q%19.92%
Revenue Next Year27.15%
Revenue Next 2Y15.46%
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 1Y-130.91%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-123.7%
OCF growth 3YN/A
OCF growth 5YN/A

COLONY BANKCORP / CBAN Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for COLONY BANKCORP?

ChartMill assigns a fundamental rating of 4 / 10 to CBAN.


What is the valuation status for CBAN stock?

ChartMill assigns a valuation rating of 5 / 10 to COLONY BANKCORP (CBAN). This can be considered as Fairly Valued.


How profitable is COLONY BANKCORP (CBAN) stock?

COLONY BANKCORP (CBAN) has a profitability rating of 2 / 10.


What are the PE and PB ratios of COLONY BANKCORP (CBAN) stock?

The Price/Earnings (PE) ratio for COLONY BANKCORP (CBAN) is 12.75 and the Price/Book (PB) ratio is 1.14.


What is the financial health of COLONY BANKCORP (CBAN) stock?

The financial health rating of COLONY BANKCORP (CBAN) is 1 / 10.