CBAN Stock Analysis: Colony Bankcorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 428m USD | 12M Return: 20% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.14M
EPS Trend: 96.0%
Qual. Beats: -1
Rev. Trend: 96.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Colony Bankcorp, Inc. (CBAN) is a U.S. bank holding company that operates through Colony Bank and three reporting segments: Bank, Mortgage Banking, and Small Business Specialty Lending. Founded in 1975 and headquartered in Fitzgerald, Georgia, the company delivers a broad suite of retail and commercial banking products, including checking, savings, money market, and certificate of deposit accounts, along with treasury solutions and merchant services.
The companys loan portfolio spans small and medium-sized business lending, commercial and residential real estate, construction and land development, agri-business, residential mortgages, home equity, consumer credit, marine/RV financing, and SBA and other government-guaranteed loans. Complementary offerings include wealth management, consumer and business insurance, digital and mobile banking, and various specialty lending programs such as healthcare, USDA, and equipment financing. As a community-focused regional bank, Colony Bankcorp relies on local deposit gathering and relationship-based lending rather than the capital-markets or investment banking activities typical of larger money-center institutions.
- Net interest margin trends on Fed rate path
- Small business specialty lending segment drives loan growth
- Deposit costs rise amid regional Georgia banking competition
| Net Income: 29.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.29 > 1.0 |
| NWC/Revenue: -1.53k% < 20% (prev -1.24k%; Δ -288.0% < -1%) |
| CFO/TA 0.01 > 3% & CFO 30.8m > Net Income 29.8m |
| Net Debt (233.8m) to EBITDA (48.1m): 4.86 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (21.2m) vs 12m ago 21.21% < -2% |
| Gross Margin: 68.55% > 18% (prev 63.77%; Δ 4.78% > 0.5%) |
| Asset Turnover: 5.74% > 50% (prev 5.62%; Δ 0.12% > 0%) |
| Interest Coverage Ratio: 0.66 > 6 (EBIT TTM 39.0m / Interest Expense TTM 59.2m) |
| A: -0.81 (Total Current Assets 38.4m - Total Current Liabilities 3.07b) / Total Assets 3.72b |
| B: 0.04 (Retained Earnings 166.2m / Total Assets 3.72b) |
| C: 0.01 (EBIT TTM 39.0m / Avg Total Assets 3.45b) |
| D: 0.11 (Book Value of Equity 380.4m / Total Liabilities 3.34b) |
| Altman-Z'' = -5.00 = D |
As of July 08, 2026, the stock is trading at USD 20.17 with a total of 241,206 shares traded. Over the past week, the price has changed by -0.44%, over one month by -1.37%, over three months by +0.12% and over the past year by +19.96%.
Current recommended Stop Loss: 19.50 (which is 3.3% or 1.3 ATR below the current price).
Colony Bankcorp has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy CBAN.
- StrongBuy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 24.1 | 19.6% |
P/E Trailing = 12.6437
P/E Forward = 10.3734
P/S = 3.1168
P/B = 1.1252
P/EG = 2.1066
Revenue TTM = 198.0m USD
EBIT TTM = 39.0m USD
EBITDA TTM = 48.1m USD
Long Term Debt = 258.1m USD (from longTermDebt, last quarter)
Short Term Debt = 85.0m USD (from shortTermDebt, last quarter)
Debt = 258.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 233.8m USD (calculated: Debt 258.1m - CCE 24.3m)
Enterprise Value = 661.8m USD (428.0m + Debt 258.1m - CCE 24.3m)
Interest Coverage Ratio = 0.66 (Ebit TTM 39.0m / Interest Expense TTM 59.2m)
EV/FCF = 21.98x (Enterprise Value 661.8m / FCF TTM 30.1m)
FCF Yield = 4.55% (FCF TTM 30.1m / Enterprise Value 661.8m)
FCF Margin = 15.21% (FCF TTM 30.1m / Revenue TTM 198.0m)
Net Margin = 15.07% (Net Income TTM 29.8m / Revenue TTM 198.0m)
Gross Margin = 68.55% ((Revenue TTM 198.0m - Cost of Revenue TTM 62.3m) / Revenue TTM)
Gross Margin QoQ = 66.66% (prev 71.33%)
Tobins Q-Ratio = 0.18 (Enterprise Value 661.8m / Total Assets 3.72b)
Interest Expense / Debt = 22.92% (Interest Expense 59.2m / Debt 258.1m)
Taxrate = 20.06% (7.49m / 37.3m)
NOPAT = 31.2m (EBIT 39.0m * (1 - 20.06%))
Current Ratio = 0.01 (Total Current Assets 38.4m / Total Current Liabilities 3.07b)
Debt / Equity = 0.68 (Debt 258.1m / totalStockholderEquity, last quarter 380.4m)
Debt / EBITDA = 4.86 (Net Debt 233.8m / EBITDA 48.1m)
Debt / FCF = 7.76 (Net Debt 233.8m / FCF TTM 30.1m)
Total Stockholder Equity = 338.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.87% (Net Income 29.8m / Total Assets 3.72b)
RoE = 8.83% (Net Income TTM 29.8m / Total Stockholder Equity 338.1m)
RoCE = 6.54% (EBIT 39.0m / Capital Employed (Equity 338.1m + L.T.Debt 258.1m))
RoIC = 0.84% (NOPAT 31.2m / Invested Capital 3.71b)
WACC = 12.27% (E(428.0m)/V(686.2m) * Re(8.62%) + D(258.1m)/V(686.2m) * Rd(22.92%) * (1-Tc(0.20)))
Discount Rate = 8.62% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -3.11 | Cagr: 7.09%
[DCF] Terminal Value 60.23% ; FCFF base≈32.1m ; Y1≈28.4m ; Y5≈23.4m
[DCF] Fair Price = N/A (negative equity: EV 228.9m - Net Debt 233.8m = -4.90m; debt exceeds intrinsic value)
EPS Correlation: 96.02 | EPS CAGR: 16.70% | SUE: -1.00 | # QB: -1
Revenue Correlation: 96.65 | Revenue CAGR: 10.70% | SUE: 0.62 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.48 | Chg30d=+0.00% | Revisions=-25% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.52 | Chg30d=+0.00% | Revisions=-25% | Analysts=2
EPS current Year (2026-12-31): EPS=2.04 | Chg30d=+3.82% | Revisions=-25% | GrowthEPS=+14.0% | GrowthRev=+29.4%
EPS next Year (2027-12-31): EPS=2.50 | Chg30d=+17.65% | Revisions=-25% | GrowthEPS=+22.6% | GrowthRev=+35.9%
[Analyst] Revisions Ratio: -57% (up=0, down=4)