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COLONY BANKCORP (CBAN) Stock Fundamental Analysis

NYSE:CBAN - New York Stock Exchange, Inc. - US19623P1012 - Common Stock - Currency: USD

17.21  -0.5 (-2.82%)

After market: 17.21 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CBAN. CBAN was compared to 394 industry peers in the Banks industry. CBAN has a bad profitability rating. Also its financial health evaluation is rather negative. CBAN has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M

1.2 Ratios

CBAN has a Return On Assets (0.79%) which is in line with its industry peers.
CBAN has a Return On Equity (8.76%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.79%
ROE 8.76%
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
CBAN Yearly ROA, ROE, ROICCBAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

CBAN has a Profit Margin (21.44%) which is in line with 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 RankSector Rank
OM N/A
PM (TTM) 21.44%
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
CBAN Yearly Profit, Operating, Gross MarginsCBAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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3

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
The number of shares outstanding for CBAN has been increased compared to 5 years ago.
The debt/assets ratio for CBAN has been reduced compared to a year ago.
CBAN Yearly Shares OutstandingCBAN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
CBAN Yearly Total Debt VS Total AssetsCBAN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

CBAN has a debt to FCF ratio of 1.80. This is a very positive value and a sign of high solvency as it would only need 1.80 years to pay back of all of its debts.
CBAN's Debt to FCF ratio of 1.80 is in line compared to the rest of the industry. CBAN outperforms 53.30% of its industry peers.
A Debt/Equity ratio of 0.22 indicates that CBAN is not too dependend on debt financing.
The Debt to Equity ratio of CBAN (0.22) is worse than 61.42% 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 RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.8
Altman-Z N/A
ROIC/WACCN/A
WACC14.66%
CBAN Yearly LT Debt VS Equity VS FCFCBAN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M

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 500K 1M 1.5M

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6

3. Growth

3.1 Past

CBAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.72%, which is quite good.
The Earnings Per Share has been growing slightly by 3.95% on average over the past years.
The Revenue has been growing slightly by 3.09% in the past year.
The Revenue has been growing by 13.31% on average over the past years. This is quite good.
EPS 1Y (TTM)11.72%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%26.67%
Revenue 1Y (TTM)3.09%
Revenue growth 3Y4.05%
Revenue growth 5Y13.31%
Sales Q2Q%6.6%

3.2 Future

Based on estimates for the next years, CBAN will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.71% on average per year.
The Revenue is expected to grow by 10.08% on average over the next years. This is quite good.
EPS Next Y23.53%
EPS Next 2Y18.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.63%
Revenue Next 2Y10.08%
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
CBAN Yearly Revenue VS EstimatesCBAN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M
CBAN Yearly EPS VS EstimatesCBAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.03, 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.
CBAN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.51.
A Price/Forward Earnings ratio of 9.05 indicates a reasonable valuation of CBAN.
CBAN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CBAN is cheaper than 67.51% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CBAN to the average of the S&P500 Index (35.58), we can say CBAN is valued rather cheaply.
Industry RankSector Rank
PE 12.03
Fwd PE 9.05
CBAN Price Earnings VS Forward Price EarningsCBAN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CBAN is valued a bit cheaper than the industry average as 76.65% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.58
EV/EBITDA N/A
CBAN Per share dataCBAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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)0.51
PEG (5Y)3.05
EPS Next 2Y18.71%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

CBAN has a Yearly Dividend Yield of 2.59%. Purely for dividend investing, there may be better candidates out there.
CBAN's Dividend Yield is comparable with the industry average which is at 3.31.
Compared to an average S&P500 Dividend Yield of 2.35, CBAN has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.59%

5.2 History

The dividend of CBAN is nicely growing with an annual growth rate of 8.42%!
CBAN has been paying a dividend for at least 10 years, so it has 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
CBAN Yearly Dividends per shareCBAN Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

31.57% 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.
DP31.57%
EPS Next 2Y18.71%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M
CBAN Dividend Payout.CBAN Dividend Payout, showing the Payout Ratio.CBAN Dividend Payout.PayoutRetained Earnings

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COLONY BANKCORP

NYSE:CBAN (7/15/2025, 4:02:29 PM)

After market: 17.21 0 (0%)

17.21

-0.5 (-2.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners58.89%
Inst Owner Change0%
Ins Owners4%
Ins Owner Change-0.17%
Market Cap300.14M
Analysts80
Price Target19.38 (12.61%)
Short Float %0.84%
Short Ratio2.45
Dividend
Industry RankSector Rank
Dividend Yield 2.59%
Yearly Dividend0.45
Dividend Growth(5Y)8.42%
DP31.57%
Div Incr Years2
Div Non Decr Years2
Ex-Date05-07 2025-05-07 (0.115)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)11.13%
Min EPS beat(2)-0.65%
Max EPS beat(2)22.91%
EPS beat(4)1
Avg EPS beat(4)4.61%
Min EPS beat(4)-3.47%
Max EPS beat(4)22.91%
EPS beat(8)2
Avg EPS beat(8)2.81%
EPS beat(12)3
Avg EPS beat(12)-2.36%
EPS beat(16)4
Avg EPS beat(16)0.29%
Revenue beat(2)1
Avg Revenue beat(2)1.39%
Min Revenue beat(2)-1.65%
Max Revenue beat(2)4.42%
Revenue beat(4)1
Avg Revenue beat(4)-0.26%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)4.42%
Revenue beat(8)2
Avg Revenue beat(8)-0.82%
Revenue beat(12)2
Avg Revenue beat(12)-2.42%
Revenue beat(16)5
Avg Revenue beat(16)-2.03%
PT rev (1m)0%
PT rev (3m)-0.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-3.25%
EPS NY rev (3m)-0.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.86%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.17%
Valuation
Industry RankSector Rank
PE 12.03
Fwd PE 9.05
P/S 2.56
P/FCF 8.58
P/OCF 8.26
P/B 1.05
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)1.43
EY8.31%
EPS(NY)1.9
Fwd EY11.05%
FCF(TTM)2.01
FCFY11.66%
OCF(TTM)2.08
OCFY12.1%
SpS6.73
BVpS16.45
TBVpS13.49
PEG (NY)0.51
PEG (5Y)3.05
Profitability
Industry RankSector Rank
ROA 0.79%
ROE 8.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.44%
GM N/A
FCFM 29.83%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.8
Debt/EBITDA N/A
Cap/Depr 16.76%
Cap/Sales 1.13%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 139.14%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
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)11.72%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%26.67%
EPS Next Y23.53%
EPS Next 2Y18.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.09%
Revenue growth 3Y4.05%
Revenue growth 5Y13.31%
Sales Q2Q%6.6%
Revenue Next Year12.63%
Revenue Next 2Y10.08%
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-3.04%
FCF growth 3Y-9.65%
FCF growth 5Y124.66%
OCF growth 1Y-7.33%
OCF growth 3Y-13.45%
OCF growth 5Y43.25%