COLONY BANKCORP (CBAN) Fundamental Analysis & Valuation

NYSE:CBAN • US19623P1012

Current stock price

19.54 USD
+0.02 (+0.1%)
At close:
19.54 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.

3

1. CBAN Profitability Analysis

1.1 Basic Checks

  • In the past year CBAN was profitable.
  • 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.
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

  • CBAN has a Return On Assets (0.88%) which is in line with its industry peers.
  • CBAN has a Return On Equity of 9.21%. This is comparable to the rest of the industry: CBAN outperforms 51.32% of its industry peers.
Industry RankSector Rank
ROA 0.88%
ROE 9.21%
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

  • CBAN's Profit Margin of 22.09% is on the low side compared to the rest of the industry. CBAN is outperformed by 64.74% of its industry peers.
  • In the last couple of years the Profit Margin of CBAN has grown nicely.
  • 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) 22.09%
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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2

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.
  • CBAN has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CBAN has more shares outstanding
  • The debt/assets ratio for CBAN has been reduced compared to a year ago.
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 to FCF ratio of 1.45. This is a very positive value and a sign of high solvency as it would only need 1.45 years to pay back of 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 (0.21) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 1.45
Altman-Z N/A
ROIC/WACCN/A
WACC13.29%
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 10M 20M 30M

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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.
  • Looking at the last year, CBAN shows a quite strong growth in Revenue. The Revenue has grown by 14.49% in the last year.
  • The Revenue has been growing by 10.73% on average over the past years. This is quite good.
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

  • CBAN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.94% yearly.
  • CBAN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.46% yearly.
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

  • 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.
  • 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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6

4. CBAN Valuation Analysis

4.1 Price/Earnings Ratio

  • CBAN is valuated correctly with a Price/Earnings ratio of 12.29.
  • The rest of the industry has a similar Price/Earnings ratio as CBAN.
  • CBAN is valuated cheaply when we compare the Price/Earnings ratio to 24.75, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 8.79, the valuation of CBAN can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CBAN indicates a somewhat cheap valuation: CBAN is cheaper than 76.05% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, CBAN is valued rather cheaply.
Industry RankSector Rank
PE 12.29
Fwd PE 8.79
CBAN Price Earnings VS Forward Price EarningsCBAN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CBAN is valued a bit cheaper than the industry average as 69.47% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.49
EV/EBITDA N/A
CBAN Per share dataCBAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

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)0.31
PEG (5Y)2.42
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

  • With a Yearly Dividend Yield of 2.44%, CBAN has a reasonable but not impressive dividend return.
  • CBAN's Dividend Yield is comparable with the industry average which is at 2.66.
  • CBAN's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.44%

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 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • 28.75% 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.
DP28.75%
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 (3/30/2026, 7:00:00 PM)

After market: 19.54 0 (0%)

19.54

+0.02 (+0.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners56.16%
Inst Owner Change8.71%
Ins Owners3.72%
Ins Owner Change-0.69%
Market Cap413.66M
Revenue(TTM)132.18M
Net Income(TTM)27.84M
Analysts82.86
Price Target23.21 (18.78%)
Short Float %0.57%
Short Ratio0.83
Dividend
Industry RankSector Rank
Dividend Yield 2.44%
Yearly Dividend0.45
Dividend Growth(5Y)8.42%
DP28.75%
Div Incr Years2
Div Non Decr Years2
Ex-Date02-11
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)3.41%
PT rev (3m)15.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)3.32%
EPS NY rev (3m)11.22%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.19%
Revenue NY rev (3m)1.19%
Valuation
Industry RankSector Rank
PE 12.29
Fwd PE 8.79
P/S 3.28
P/FCF 9.49
P/OCF 9.2
P/B 1.37
P/tB 1.67
EV/EBITDA N/A
EPS(TTM)1.59
EY8.14%
EPS(NY)2.22
Fwd EY11.38%
FCF(TTM)2.06
FCFY10.54%
OCF(TTM)2.12
OCFY10.87%
SpS5.95
BVpS14.28
TBVpS11.71
PEG (NY)0.31
PEG (5Y)2.42
Graham Number22.6
Profitability
Industry RankSector 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)0.75%
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-Score9
Asset Turnover0.04
Health
Industry RankSector 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
WACC13.29%
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)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 1Y39.51%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y38.68%
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 6 / 10 to COLONY BANKCORP (CBAN). This can be considered as Fairly Valued.


What is the profitability of CBAN stock?

COLONY BANKCORP (CBAN) has a profitability rating of 3 / 10.


What is the earnings growth outlook for COLONY BANKCORP?

The Earnings per Share (EPS) of COLONY BANKCORP (CBAN) is expected to grow by 39.85% in the next year.


Can you provide the dividend sustainability for CBAN stock?

The dividend rating of COLONY BANKCORP (CBAN) is 6 / 10 and the dividend payout ratio is 28.75%.