Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and retail customers.
Excellent balance sheet second-rate dividend payer.
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's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: CBAN underperformed the US Banks industry which returned -31.1% over the past year.
Return vs Market: CBAN underperformed the US Market which returned -13.6% over the past year.
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
3 weeks ago | Simply Wall StWhat Does Colony Bankcorp, Inc.'s (NASDAQ:CBAN) P/E Ratio Tell You?
1 month ago | Simply Wall StWhy Colony Bankcorp, Inc. (NASDAQ:CBAN) Should Be In Your Dividend Portfolio
2 months ago | Simply Wall StColony Bankcorp, Inc. (NASDAQ:CBAN) Passed Our Checks, And It's About To Pay A US$0.10 Dividend
Is Colony Bankcorp undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CBAN ($11.54) is trading below our estimate of fair value ($13.6)
Significantly Below Fair Value: CBAN is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: CBAN is poor value based on its PE Ratio (10.3x) compared to the Banks industry average (8.8x).
PE vs Market: CBAN is good value based on its PE Ratio (10.3x) compared to the US market (12.9x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CBAN's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CBAN is overvalued based on its PB Ratio (0.8x) compared to the US Banks industry average (0.8x).
How is Colony Bankcorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Colony Bankcorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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 (16.6%) are lower than last year (23.7%).
Past Earnings Growth Analysis
Earnings Trend: CBAN's earnings have grown by 16.3% per year over the past 5 years.
Accelerating Growth: CBAN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CBAN had negative earnings growth (-14.3%) over the past year, making it difficult to compare to the Banks industry average (10.9%).
Return on Equity
High ROE: CBAN's Return on Equity (7.8%) 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
Inventory Level: CBAN has a low level of unsold assets or inventory.
Debt Coverage by Assets: CBAN's debt is covered by short term assets (assets are 1.3x debt).
Financial Institutions Analysis
Asset Level: CBAN's level of assets compared to its equity is moderate.
Allowance for Bad Loans: CBAN has a low allowance for bad loans.
Low Risk Liabilities: CBAN's liabilities are made up of primarily low risk sources of funding.
Loan Level: CBAN has an acceptable proportion of non-loan assets held.
Low Risk Deposits: CBAN's loans are broadly funded by customer deposits.
Level of Bad Loans: CBAN has an appropriate level of bad loans (1.01%)
What is Colony Bankcorp's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CBAN's dividend (3.47%) is higher than the bottom 25% of dividend payers in the US market (2%).
High Dividend: CBAN's dividend (3.47%) is low compared to the top 25% of dividend payers in the US market (5.56%).
Stability and Growth of Payments
Stable Dividend: CBAN's dividend payments have been volatile in the past 10 years.
Growing Dividend: CBAN's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (26.8%), CBAN's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
T. Fountain (44yo)
Mr. T. Heath Fountain, CPA, has been President, Chief Executive Officer and Director of Colony Bankcorp, Inc. since July 2018. Mr. Fountain served as Chief Executive Officer of Planters First Bank since Ju ...
CEO Compensation Analysis
Compensation vs Market: T.'s total compensation ($USD399.97K) is below average for companies of similar size in the US market ($USD605.16K).
Compensation vs Earnings: Insufficient data to compare T.'s compensation with company performance.
|CEO, President & Director||1.75yrs||US$399.97k||0.26% $280.4k|
|Executive VP & Chief Credit Officer||0.92yr||US$173.26k||0.070% $75.5k|
|Chief Banking Officer||no data||US$184.34k||no data|
|Executive VP||0.83yr||no data||no data|
|Executive VP & Chief Administrative Officer||1.75yrs||no data||0.032% $34.0k|
|Executive VP||0.92yr||no data||0.061% $65.2k|
|Chief People Officer||0.83yr||no data||no data|
|President & CEO||19.92yrs||US$178.90k||no data|
|Executive Vice President and West Regional Banking Executive Officer||8.83yrs||no data||0.075% $81.1k|
Experienced Management: CBAN's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.
|CEO, President & Director||1.75yrs||US$399.97k||0.26% $280.4k|
|Chairman of the Board||3.83yrs||US$45.60k||0.64% $685.7k|
|Independent Director||12.92yrs||US$28.40k||1.96% $2.1m|
|Vice Chairman of the Board||2.83yrs||US$24.60k||0.29% $316.4k|
|Independent Director||8.25yrs||US$31.20k||2.3% $2.5m|
|Independent Director||1.08yrs||no data||no data|
|Independent Director||1.08yrs||no data||0.042% $45.4k|
Experienced Board: CBAN's board of directors are considered experienced (3.8 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 been diluted in the past year, with total shares outstanding growing by 8.2%.
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$107.716m
- Shares outstanding: 9.50m
- Website: https://www.colonybank.com
Number of Employees
- Colony Bankcorp, Inc.
- 115 South Grant Street
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CBAN||NasdaqGM (Nasdaq Global Market)||Yes||Common Stock||US||USD||Mar 1998|
Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and retail customers. It offers various deposit products, including demand, savings, and time deposits. The company also provides loans to small and medium-sized businesses; residential and commercial construction, and land development loans; commercial real estate loans; commercial loans; agri-business and production loans; residential mortgage loans; home equity loans; and consumer loans. In addition, it offers Internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, and remote depository products, as well as access to a network of ATMs. As of July 3, 2019, the company operated 29 branches located in central, south, and coastal Georgia. Colony Bankcorp, Inc. was founded in 1975 and is headquartered in Fitzgerald, Georgia.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/03 02:39|
|End of Day Share Price||2020/04/02 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.