Logo image of CBAN

COLONY BANKCORP (CBAN) Stock Fundamental Analysis

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

14.67  -0.13 (-0.88%)

Fundamental Rating

4

Overall CBAN gets a fundamental rating of 4 out of 10. We evaluated CBAN against 398 industry peers in the Banks industry. CBAN has a bad profitability rating. Also its financial health evaluation is rather negative. CBAN is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

In the past year CBAN was profitable.
CBAN had a positive operating cash flow in the past year.
CBAN had positive earnings in each of the past 5 years.
In multiple years CBAN reported negative operating cash flow during the last 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's Return On Assets of 0.72% is in line compared to the rest of the industry. CBAN outperforms 42.21% of its industry peers.
CBAN has a Return On Equity (7.98%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.72%
ROE 7.98%
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's Profit Margin of 19.53% is on the low side compared to the rest of the industry. CBAN is outperformed by 63.07% of its industry peers.
CBAN's Profit Margin has improved in the last couple of years.
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) 19.53%
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

3

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.
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

The Debt to FCF ratio of CBAN is 2.02, which is a good value as it means it would take CBAN, 2.02 years of fcf income to pay off all of its debts.
CBAN has a Debt to FCF ratio (2.02) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.23 indicates that CBAN is not too dependend on debt financing.
CBAN's Debt to Equity ratio of 0.23 is in line compared to the rest of the industry. CBAN outperforms 42.21% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.02
Altman-Z N/A
ROIC/WACCN/A
WACC13.13%
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 5M 10M 15M

5

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 4.65% 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 small growth in Revenue. The Revenue has grown by 1.38% 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)4.65%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%31.25%
Revenue 1Y (TTM)1.38%
Revenue growth 3Y4.05%
Revenue growth 5Y13.31%
Sales Q2Q%9.23%

3.2 Future

The Earnings Per Share is expected to grow by 18.71% on average over the next years. This is quite good.
The Revenue is expected to grow by 7.82% on average over the next years.
EPS Next Y25.04%
EPS Next 2Y18.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.17%
Revenue Next 2Y7.82%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last 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 20M 40M 60M 80M 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

6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.87, which indicates a very decent valuation of CBAN.
CBAN's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 28.29, CBAN is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.69, the valuation of CBAN can be described as very reasonable.
CBAN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CBAN is cheaper than 67.84% 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 21.32.
Industry RankSector Rank
PE 10.87
Fwd PE 8.69
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

Based on the Price/Free Cash Flow ratio, CBAN is valued a bit cheaper than 71.86% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.22
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)0.43
PEG (5Y)2.75
EPS Next 2Y18.71%
EPS Next 3YN/A

5

5. Dividend

5.1 Amount

CBAN has a Yearly Dividend Yield of 3.11%.
CBAN's Dividend Yield is comparable with the industry average which is at 3.66.
CBAN's Dividend Yield is a higher than the S&P500 average which is at 2.51.
Industry RankSector Rank
Dividend Yield 3.11%

5.2 History

On average, the dividend of CBAN grows each year by 16.90%, 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)16.9%
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

CBAN pays out 35.66% of its income as dividend. This is a sustainable payout ratio.
CBAN's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP35.66%
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

COLONY BANKCORP

NYSE:CBAN (4/21/2025, 2:32:22 PM)

14.67

-0.13 (-0.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2025-01-22/amc
Earnings (Next)04-23 2025-04-23/amc
Inst Owners57.9%
Inst Owner Change-0.07%
Ins Owners3.84%
Ins Owner Change0.02%
Market Cap257.02M
Analysts80
Price Target19.51 (32.99%)
Short Float %0.44%
Short Ratio1.01
Dividend
Industry RankSector Rank
Dividend Yield 3.11%
Yearly Dividend0.44
Dividend Growth(5Y)16.9%
DP35.66%
Div Incr Years2
Div Non Decr Years2
Ex-Date02-05 2025-02-05 (0.115)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.91%
Min EPS beat(2)-3.47%
Max EPS beat(2)-0.35%
EPS beat(4)0
Avg EPS beat(4)-2.73%
Min EPS beat(4)-5.12%
Max EPS beat(4)-0.35%
EPS beat(8)2
Avg EPS beat(8)-0.39%
EPS beat(12)2
Avg EPS beat(12)-6.31%
EPS beat(16)5
Avg EPS beat(16)1.92%
Revenue beat(2)0
Avg Revenue beat(2)-1.91%
Min Revenue beat(2)-2.22%
Max Revenue beat(2)-1.59%
Revenue beat(4)0
Avg Revenue beat(4)-1.64%
Min Revenue beat(4)-2.72%
Max Revenue beat(4)-0.04%
Revenue beat(8)1
Avg Revenue beat(8)-2.33%
Revenue beat(12)2
Avg Revenue beat(12)-3.28%
Revenue beat(16)6
Avg Revenue beat(16)-1.68%
PT rev (1m)0%
PT rev (3m)0.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.3%
EPS NY rev (3m)7.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.32%
Revenue NY rev (3m)2.94%
Valuation
Industry RankSector Rank
PE 10.87
Fwd PE 8.69
P/S 2.28
P/FCF 8.22
P/OCF 7.93
P/B 0.93
P/tB 1.15
EV/EBITDA N/A
EPS(TTM)1.35
EY9.2%
EPS(NY)1.69
Fwd EY11.51%
FCF(TTM)1.78
FCFY12.16%
OCF(TTM)1.85
OCFY12.61%
SpS6.44
BVpS15.76
TBVpS12.78
PEG (NY)0.43
PEG (5Y)2.75
Profitability
Industry RankSector Rank
ROA 0.72%
ROE 7.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.53%
GM N/A
FCFM 27.7%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.02
Debt/EBITDA N/A
Cap/Depr 14.14%
Cap/Sales 1.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 141.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.13%
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)4.65%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%31.25%
EPS Next Y25.04%
EPS Next 2Y18.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.38%
Revenue growth 3Y4.05%
Revenue growth 5Y13.31%
Sales Q2Q%9.23%
Revenue Next Year9.17%
Revenue Next 2Y7.82%
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 1Y24.74%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y9.93%
OCF growth 3YN/A
OCF growth 5YN/A