NasdaqGM:CBAN

Stock Analysis Report

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Market Cap

US$169.6m

Last Updated

2021/06/13 04:31 UTC

Data Sources

Company Financials +

Executive Summary

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


Snowflake Analysis

Flawless balance sheet with solid track record.


Similar Companies

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.


Market Performance


7 Day Return

-2.1%

CBAN

-3.2%

US Banks

0.8%

US Market


1 Year Return

50.6%

CBAN

63.4%

US Banks

44.3%

US Market

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.


Shareholder returns

CBANIndustryMarket
7 Day-2.1%-3.2%0.8%
30 Day6.6%-1.2%4.9%
90 Day17.1%3.2%5.1%
1 Year55.4%50.6%68.2%63.4%46.7%44.3%
3 Year14.3%6.6%30.1%19.0%60.3%50.4%
5 Year103.8%87.3%116.5%89.1%128.3%102.7%

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

Valuation

Is Colony Bankcorp undervalued compared to its fair value and its price relative to the market?

11.21x

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.


Future Growth

How is Colony Bankcorp forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?

25.5%

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%).


Past Performance

How has Colony Bankcorp performed over the past 5 years?

11.8%

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.


Financial Health

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


Balance Sheet


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%).


Dividend

What is Colony Bankcorp current dividend yield, its reliability and sustainability?

2.30%

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).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.0yrs

Average management tenure


CEO

T. Fountain (45 yo)

2.92yrs

Tenure

US$544,896

Compensation

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.


Leadership Team

Experienced Management: CBAN's management team is considered experienced (2 years average tenure).


Board Members

Experienced Board: CBAN's board of directors are considered experienced (5 years average tenure).


Ownership

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

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Colony Bankcorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • Colony Bankcorp, Inc.
  • 115 South Grant Street
  • Fitzgerald
  • Georgia
  • 31750
  • United States

Listings


Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/06/13 04:31
End of Day Share Price2021/06/11 00:00
Earnings2021/03/31
Annual Earnings2020/12/31


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.