COLONY BANKCORP (CBAN) Stock Fundamental Analysis
NYSE:CBAN - New York Stock Exchange, Inc. - US19623P1012 - Common Stock - Currency: USD
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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
CBAN had positive earnings in the past year.
In the past year CBAN had a positive cash flow from operations.
Each year in the past 5 years CBAN has been profitable.
Of the past 5 years CBAN 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.77%, CBAN is in line with its industry, outperforming 44.72% of the companies in the same industry.
CBAN has a Return On Equity (8.56%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 8.56% | ||
| 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
CBAN has a Profit Margin of 20.67%. This is in the lower half of the industry: CBAN underperforms 60.55% of its industry peers.
In the last couple of years the Profit Margin of CBAN has grown nicely.
The Operating Margin and Gross Margin are not available for CBAN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.67% | ||
| 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.
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.
The debt/assets ratio for CBAN has been reduced compared to a year ago.
2.2 Solvency
CBAN has a debt to FCF ratio of 2.82. This is a good value and a sign of high solvency as CBAN would need 2.82 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.82, CBAN is in line with its industry, outperforming 41.71% of the companies in the same industry.
CBAN has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.23, CBAN is in line with its industry, outperforming 41.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.82 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.96%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 11.72% over the past year.
CBAN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.95% yearly.
CBAN shows a small growth in Revenue. In the last year, the Revenue has grown by 1.38%.
Measured over the past years, CBAN shows a quite strong growth in Revenue. The Revenue has been growing by 13.31% on average per year.
EPS 1Y (TTM)11.72%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%26.67%
Revenue 1Y (TTM)1.38%
Revenue growth 3Y4.05%
Revenue growth 5Y13.31%
Sales Q2Q%6.61%
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 18.71% on average per year.
Based on estimates for the next years, CBAN will show a small growth in Revenue. The Revenue will grow by 7.82% on average per year.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
CBAN is valuated reasonably with a Price/Earnings ratio of 10.78.
Based on the Price/Earnings ratio, CBAN is valued a bit cheaper than the industry average as 62.31% of the companies are valued more expensively.
CBAN is valuated cheaply when we compare the Price/Earnings ratio to 28.79, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.10, which indicates a very decent valuation of CBAN.
77.14% of the companies in the same industry are more expensive than CBAN, based on the Price/Forward Earnings ratio.
CBAN is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.78 | ||
| Fwd PE | 8.1 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CBAN is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.07 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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)2.73
EPS Next 2Y18.71%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.98%, CBAN has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.58, CBAN has a dividend in line with its industry peers.
CBAN's Dividend Yield is comparable with the S&P500 average which is at 2.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.98% |
5.2 History
The dividend of CBAN is nicely growing with an annual growth rate of 8.42%!
CBAN has been paying a dividend for at least 10 years, so it has a reliable track record.
CBAN has decreased its dividend in the last 3 years.
Dividend Growth(5Y)8.42%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
33.09% of the earnings are spent on dividend by CBAN. This is a low number and sustainable payout ratio.
CBAN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP33.09%
EPS Next 2Y18.71%
EPS Next 3YN/A
15.41
-0.11 (-0.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.9%
Inst Owner Change-0.07%
Ins Owners3.84%
Ins Owner Change0.02%
Market Cap269.37M
Analysts80
Price Target19.51 (26.61%)
Short Float %0.57%
Short Ratio1.19
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.98% |
Yearly Dividend0.45
Dividend Growth(5Y)8.42%
DP33.09%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.72%
Min EPS beat(2)-3.47%
Max EPS beat(2)22.91%
EPS beat(4)1
Avg EPS beat(4)3.49%
Min EPS beat(4)-5.12%
Max EPS beat(4)22.91%
EPS beat(8)3
Avg EPS beat(8)4.12%
EPS beat(12)3
Avg EPS beat(12)-2.93%
EPS beat(16)5
Avg EPS beat(16)2.86%
Revenue beat(2)1
Avg Revenue beat(2)1.1%
Min Revenue beat(2)-2.22%
Max Revenue beat(2)4.42%
Revenue beat(4)1
Avg Revenue beat(4)0.14%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)4.42%
Revenue beat(8)2
Avg Revenue beat(8)-1.29%
Revenue beat(12)2
Avg Revenue beat(12)-2.97%
Revenue beat(16)6
Avg Revenue beat(16)-1.87%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.78 | ||
| Fwd PE | 8.1 | ||
| P/S | 2.33 | ||
| P/FCF | 12.07 | ||
| P/OCF | 11.51 | ||
| P/B | 0.97 | ||
| P/tB | 1.19 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.43
EY9.28%
EPS(NY)1.9
Fwd EY12.34%
FCF(TTM)1.28
FCFY8.29%
OCF(TTM)1.34
OCFY8.69%
SpS6.6
BVpS15.94
TBVpS12.97
PEG (NY)0.43
PEG (5Y)2.73
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 8.56% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.67% | ||
| GM | N/A | ||
| FCFM | 19.33% |
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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.82 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 13.28% | ||
| Cap/Sales | 0.94% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 93.52% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.96%
ROIC/WACCN/A
Cap/Depr(3y)26.6%
Cap/Depr(5y)43.96%
Cap/Sales(3y)2.21%
Cap/Sales(5y)3.53%
Profit Quality(3y)137.86%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.72%
EPS 3Y-12.13%
EPS 5Y3.95%
EPS Q2Q%26.67%
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%6.61%
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 1Y28.54%
FCF growth 3Y-9.65%
FCF growth 5Y124.66%
OCF growth 1Y11.52%
OCF growth 3Y-13.45%
OCF growth 5Y43.25%