COLONY BANKCORP (CBAN) Stock Fundamental Analysis
NYSE:CBAN - New York Stock Exchange, Inc. - US19623P1012 - Common Stock
CBAN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. CBAN has a bad profitability rating. Also its financial health evaluation is rather negative. CBAN has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year CBAN was profitable.
CBAN had a positive operating cash flow in the past year.
CBAN had positive earnings in each of the past 5 years.
CBAN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
CBAN's Return On Assets of 0.72% is in line compared to the rest of the industry. CBAN outperforms 43.22% of its industry peers.
CBAN has a Return On Equity (7.98%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 7.98% | ||
| ROIC | N/A |
ROA(3y)0.69%
ROA(5y)0.68%
ROE(3y)8.53%
ROE(5y)8.31%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CBAN has a Profit Margin of 19.53%. This is in the lower half of the industry: CBAN underperforms 62.56% of its industry peers.
In the last couple of years the Profit Margin of CBAN has declined.
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 3Y8.72%
PM growth 5Y-4.16%
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.
Compared to 1 year ago, CBAN has less shares outstanding
The number of shares outstanding for CBAN has been increased compared to 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.
The Debt to FCF ratio of CBAN (2.02) is better than 60.05% of its industry peers.
A Debt/Equity ratio of 0.23 indicates that CBAN is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.23, CBAN perfoms like the industry average, outperforming 43.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for CBAN have decreased by -2.34% in the last year.
Measured over the past years, CBAN shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.44% on average per year.
The Revenue has decreased by -1.69% in the past year.
Measured over the past years, CBAN shows a quite strong growth in Revenue. The Revenue has been growing by 17.71% on average per year.
EPS 1Y (TTM)-2.34%
EPS 3Y-0.08%
EPS 5Y-2.44%
EPS Q2Q%-3.03%
Revenue 1Y (TTM)-1.69%
Revenue growth 3Y12.77%
Revenue growth 5Y17.71%
Sales Q2Q%-2.44%
3.2 Future
The Earnings Per Share is expected to grow by 11.96% on average over the next years. This is quite good.
Based on estimates for the next years, CBAN will show a small growth in Revenue. The Revenue will grow by 4.86% on average per year.
EPS Next Y0.81%
EPS Next 2Y10.35%
EPS Next 3Y11.96%
EPS Next 5YN/A
Revenue Next Year1.04%
Revenue Next 2Y3.52%
Revenue Next 3Y4.86%
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
A Price/Earnings ratio of 12.53 indicates a correct valuation of CBAN.
CBAN's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 28.29, CBAN is valued rather cheaply.
A Price/Forward Earnings ratio of 9.97 indicates a reasonable valuation of CBAN.
CBAN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CBAN is cheaper than 73.62% of the companies in the same industry.
CBAN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.53 | ||
| Fwd PE | 9.97 |
4.2 Price Multiples
CBAN's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CBAN is cheaper than 76.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.78 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CBAN does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)15.39
PEG (5Y)N/A
EPS Next 2Y10.35%
EPS Next 3Y11.96%
5. Dividend
5.1 Amount
CBAN has a Yearly Dividend Yield of 2.88%.
CBAN's Dividend Yield is comparable with the industry average which is at 3.22.
CBAN's Dividend Yield is a higher than the S&P500 average which is at 2.28.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.88% |
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.
CBAN has decreased its dividend 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, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP35.66%
EPS Next 2Y10.35%
EPS Next 3Y11.96%
COLONY BANKCORP
NYSE:CBAN (1/22/2025, 11:48:04 AM)
15.66
-0.36 (-2.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.92%
Inst Owner Change0.2%
Ins Owners3.67%
Ins Owner Change0%
Market Cap274.52M
Analysts80
Price Target19.38 (23.75%)
Short Float %0.56%
Short Ratio2.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.88% |
Yearly Dividend0.44
Dividend Growth(5Y)16.9%
DP35.66%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
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%
PT rev (3m)15.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.47%
EPS NY rev (1m)0%
EPS NY rev (3m)1.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.53 | ||
| Fwd PE | 9.97 | ||
| P/S | 2.43 | ||
| P/FCF | 8.78 | ||
| P/OCF | 8.47 | ||
| P/B | 0.99 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.25
EY7.98%
EPS(NY)1.57
Fwd EY10.03%
FCF(TTM)1.78
FCFY11.39%
OCF(TTM)1.85
OCFY11.81%
SpS6.44
BVpS15.75
TBVpS12.77
PEG (NY)15.39
PEG (5Y)N/A
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)0.69%
ROA(5y)0.68%
ROE(3y)8.53%
ROE(5y)8.31%
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 3Y8.72%
PM growth 5Y-4.16%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.02 | ||
| 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-Score7
WACC13.08%
ROIC/WACCN/A
Cap/Depr(3y)44.73%
Cap/Depr(5y)65.38%
Cap/Sales(3y)3.79%
Cap/Sales(5y)4.47%
Profit Quality(3y)160.62%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-2.34%
EPS 3Y-0.08%
EPS 5Y-2.44%
EPS Q2Q%-3.03%
EPS Next Y0.81%
EPS Next 2Y10.35%
EPS Next 3Y11.96%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.69%
Revenue growth 3Y12.77%
Revenue growth 5Y17.71%
Sales Q2Q%-2.44%
Revenue Next Year1.04%
Revenue Next 2Y3.52%
Revenue Next 3Y4.86%
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 1Y20.19%
FCF growth 3YN/A
FCF growth 5Y7.39%
OCF growth 1Y6.71%
OCF growth 3YN/A
OCF growth 5Y7.06%