Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and consumer customers. More Details
Flawless balance sheet with solid track record.
Share Price & News
How has Colony Bankcorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CBAN is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: CBAN's weekly volatility (4%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: CBAN underperformed the US Banks industry which returned 63.4% over the past year.
Return vs Market: CBAN exceeded the US Market which returned 44.3% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Colony Bankcorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
4 days ago | Simply Wall StDid Colony Bankcorp's (NASDAQ:CBAN) Share Price Deserve to Gain 87%?
4 weeks ago | Simply Wall StHere's Why Colony Bankcorp, Inc.'s (NASDAQ:CBAN) CEO Compensation Is The Least Of Shareholders' Concerns
2 months ago | Simply Wall StDo Institutions Own Colony Bankcorp, Inc. (NASDAQ:CBAN) Shares?
Is Colony Bankcorp undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CBAN ($17.85) is trading above our estimate of fair value ($16.58)
Significantly Below Fair Value: CBAN is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CBAN is good value based on its PE Ratio (11.2x) compared to the US Banks industry average (12x).
PE vs Market: CBAN is good value based on its PE Ratio (11.2x) compared to the US market (19.7x).
Price to Earnings Growth Ratio
PEG Ratio: CBAN is good value based on its PEG Ratio (0.4x)
Price to Book Ratio
PB vs Industry: CBAN's PB Ratio (1.2x) is in line with the US Banks industry average.
How is Colony Bankcorp forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CBAN's forecast earnings growth (25.5% per year) is above the savings rate (2%).
Earnings vs Market: CBAN's earnings (25.5% per year) are forecast to grow faster than the US market (15.5% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: CBAN's revenue (20.9% per year) is forecast to grow faster than the US market (9.3% per year).
High Growth Revenue: CBAN's revenue (20.9% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: CBAN's Return on Equity is forecast to be low in 3 years time (11.6%).
How has Colony Bankcorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CBAN has high quality earnings.
Growing Profit Margin: CBAN's current net profit margins (18.9%) are higher than last year (14.1%).
Past Earnings Growth Analysis
Earnings Trend: CBAN's earnings have grown by 11.8% per year over the past 5 years.
Accelerating Growth: CBAN's earnings growth over the past year (68.5%) exceeds its 5-year average (11.8% per year).
Earnings vs Industry: CBAN earnings growth over the past year (68.5%) exceeded the Banks industry 20.5%.
Return on Equity
High ROE: CBAN's Return on Equity (10.5%) is considered low.
How is Colony Bankcorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CBAN's Assets to Equity ratio (12.5x) is moderate.
Allowance for Bad Loans: CBAN has a sufficient allowance for bad loans (119%).
Low Risk Liabilities: 92% of CBAN's liabilities are made up of primarily low risk sources of funding.
Loan Level: CBAN has an appropriate level of Loans to Assets ratio (58%).
Low Risk Deposits: CBAN's Loans to Deposits ratio (69%) is appropriate.
Level of Bad Loans: CBAN has an appropriate level of bad loans (1%).
What is Colony Bankcorp current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CBAN's dividend (2.3%) is higher than the bottom 25% of dividend payers in the US market (1.27%).
High Dividend: CBAN's dividend (2.3%) is low compared to the top 25% of dividend payers in the US market (3.35%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, CBAN has been paying a dividend for less than 10 years.
Growing Dividend: CBAN's dividend payments have increased, but the company has only paid a dividend for 4 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (25.3%), CBAN's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: CBAN's dividends in 3 years are forecast to be well covered by earnings (20.5% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
T. Fountain (45 yo)
Mr. T. Heath Fountain, CPA, has been President, Chief Executive Officer and Director of Colony Bankcorp, Inc. and Colony Bank since July 30, 2018. Mr. Fountain served as Chief Executive Officer of Planters...
CEO Compensation Analysis
Compensation vs Market: T.'s total compensation ($USD544.90K) is below average for companies of similar size in the US market ($USD1.04M).
Compensation vs Earnings: T.'s compensation has increased by more than 20% in the past year.
Experienced Management: CBAN's management team is considered experienced (2 years average tenure).
Experienced Board: CBAN's board of directors are considered experienced (5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: CBAN insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Colony Bankcorp, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Colony Bankcorp, Inc.
- Ticker: CBAN
- Exchange: NasdaqGM
- Founded: 1975
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$169.553m
- Shares outstanding: 9.50m
- Website: https://www.colonybank.com
Number of Employees
- Colony Bankcorp, Inc.
- 115 South Grant Street
- United States
Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and consumer customers. It offers various deposit products, incl...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/06/13 04:31|
|End of Day Share Price||2021/06/11 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.