COLONY BANKCORP (CBAN) Stock Fundamental Analysis
NYSE:CBAN - New York Stock Exchange, Inc. - US19623P1012 - Common Stock - Currency: USD
CBAN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. CBAN may be in some trouble as it scores bad on both profitability and health. CBAN has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
CBAN had positive earnings in the past year.
CBAN had a positive operating cash flow in the past year.
Each year in the past 5 years CBAN has been profitable.
In multiple years CBAN reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a Return On Assets value of 0.72%, CBAN perfoms like the industry average, outperforming 41.85% of the companies in the same industry.
CBAN's Return On Equity of 7.98% is in line compared to the rest of the industry. CBAN outperforms 49.12% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 19.53%, CBAN is doing worse than 63.16% of the companies in the same industry.
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 Rank | Sector 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
2. Health
2.1 Basic Checks
CBAN does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CBAN has been reduced compared to 1 year ago.
CBAN has more shares outstanding than it did 5 years ago.
CBAN has a better debt/assets ratio than last year.
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.
Looking at the Debt to FCF ratio, with a value of 2.02, CBAN is in the better half of the industry, outperforming 60.40% of the companies in the same industry.
A Debt/Equity ratio of 0.23 indicates that CBAN is not too dependend on debt financing.
CBAN has a Debt to Equity ratio (0.23) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CBAN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.65%.
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.
CBAN shows a small growth in Revenue. In the last year, the Revenue has grown by 1.38%.
CBAN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.31% yearly.
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
Based on estimates for the next years, CBAN will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.39% on average per year.
The Revenue is expected to grow by 7.54% on average over the next years.
EPS Next Y24.67%
EPS Next 2Y18.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.82%
Revenue Next 2Y7.54%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.52, CBAN is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of CBAN is on the same level as its industry peers.
When comparing the Price/Earnings ratio of CBAN to the average of the S&P500 Index (29.62), we can say CBAN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.04, the valuation of CBAN can be described as reasonable.
70.68% of the companies in the same industry are more expensive than CBAN, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, CBAN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.52 | ||
| Fwd PE | 10.04 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CBAN is valued a bit cheaper than 73.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.47 | ||
| EV/EBITDA | N/A |
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 18.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.51
PEG (5Y)3.17
EPS Next 2Y18.39%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.66%, CBAN has a reasonable but not impressive dividend return.
CBAN's Dividend Yield is comparable with the industry average which is at 3.19.
CBAN's Dividend Yield is comparable with the S&P500 average which is at 2.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
5.2 History
The dividend of CBAN is nicely growing with an annual growth rate of 16.90%!
CBAN has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of CBAN decreased in the last 3 years.
Dividend Growth(5Y)16.9%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
CBAN pays out 35.66% of its income as dividend. This is a sustainable payout ratio.
The dividend of CBAN is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP35.66%
EPS Next 2Y18.39%
EPS Next 3YN/A
16.9
-0.38 (-2.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.9%
Inst Owner Change-95.05%
Ins Owners3.84%
Ins Owner Change0%
Market Cap296.09M
Analysts80
Price Target19.51 (15.44%)
Short Float %0.52%
Short Ratio1.53
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
Yearly Dividend0.44
Dividend Growth(5Y)16.9%
DP35.66%
Div Incr Years2
Div Non Decr Years2
Ex-Date
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)0.66%
PT rev (3m)6.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)7.14%
EPS NY rev (3m)11.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)2.61%
Revenue NY rev (3m)2.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.52 | ||
| Fwd PE | 10.04 | ||
| P/S | 2.62 | ||
| P/FCF | 9.47 | ||
| P/OCF | 9.13 | ||
| P/B | 1.07 | ||
| P/tB | 1.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.35
EY7.99%
EPS(NY)1.68
Fwd EY9.96%
FCF(TTM)1.78
FCFY10.56%
OCF(TTM)1.85
OCFY10.95%
SpS6.44
BVpS15.76
TBVpS12.78
PEG (NY)0.51
PEG (5Y)3.17
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC12.59%
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 Y24.67%
EPS Next 2Y18.39%
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 Year8.82%
Revenue Next 2Y7.54%
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