CBAN Stock Analysis: Colony Bankcorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 456m USD | 12M Return: 35.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.62M
EPS Trend: 97.2%
Qual. Beats: 1
Rev. Trend: 96.4%
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: 32.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.29 > 1.0 |
| NWC/Revenue: -1.41k% < 20% (prev -1.18k%; Δ -229.5% < -1%) |
| CFO/TA 0.01 > 3% & CFO 30.8m > Net Income 32.7m |
| Net Debt (-138.0m) to EBITDA (62.7m): -2.20 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (21.2m) vs 12m ago 21.24% < -2% |
| Gross Margin: 65.79% > 18% (prev 64.95%; Δ 0.83% > 0.5%) |
| Asset Turnover: 5.62% > 50% (prev 5.86%; Δ -0.24% > 0%) |
| Interest Coverage Ratio: 0.97 > 6 (EBIT TTM 58.6m / Interest Expense TTM 60.6m) |
| A: -0.74 (Total Current Assets 396.1m - Total Current Liabilities 3.07b) / Total Assets 3.63b |
| B: 0.05 (Retained Earnings 174.6m / Total Assets 3.63b) |
| C: 0.02 (EBIT TTM 58.6m / Avg Total Assets 3.37b) |
| D: 0.12 (Book Value of Equity 390.0m / Total Liabilities 3.24b) |
| Altman-Z'' = -4.43 = D |
As of July 28, 2026, the stock is trading at USD 21.74 with a total of 278,707 shares traded. Over the past week, the price has changed by +4.07%, over one month by +7.31%, over three months by +9.59% and over the past year by +35.09%.
Current recommended Stop Loss: 20.80 (which is 4.3% or 1.6 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 | 25 | 15% |
P/E Trailing = 12.8393
P/E Forward = 11.0011
P/S = 3.3233
P/B = 1.1436
P/EG = 2.1066
Revenue TTM = 189.4m USD
EBIT TTM = 58.6m USD
EBITDA TTM = 62.7m USD
Long Term Debt = 258.1m USD (from longTermDebt, last fiscal year)
Short Term Debt = 86.4m USD (from shortTermDebt, last fiscal year)
Debt = 258.1m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -138.0m USD (calculated: Debt 258.1m - CCE 396.1m)
Enterprise Value = 318.4m USD (456.4m + Debt 258.1m - CCE 396.1m)
Interest Coverage Ratio = 0.97 (Ebit TTM 58.6m / Interest Expense TTM 60.6m)
EV/FCF = 10.57x (Enterprise Value 318.4m / FCF TTM 30.1m)
FCF Yield = 9.46% (FCF TTM 30.1m / Enterprise Value 318.4m)
FCF Margin = 15.90% (FCF TTM 30.1m / Revenue TTM 189.4m)
Net Margin = 17.28% (Net Income TTM 32.7m / Revenue TTM 189.4m)
Gross Margin = 65.79% ((Revenue TTM 189.4m - Cost of Revenue TTM 64.8m) / Revenue TTM)
Gross Margin QoQ = 54.55% (prev 66.66%)
Tobins Q-Ratio = 0.09 (Enterprise Value 318.4m / Total Assets 3.63b)
Interest Expense / Debt = 23.49% (Interest Expense 60.6m / Debt 258.1m)
Taxrate = 20.18% (8.28m / 41.0m)
NOPAT = 46.7m (EBIT 58.6m * (1 - 20.18%))
Current Ratio = 0.13 (Total Current Assets 396.1m / Total Current Liabilities 3.07b)
Debt / Equity = 0.66 (Debt 258.1m / totalStockholderEquity, last quarter 390.0m)
Debt / EBITDA = -2.20 (Net Debt -138.0m / EBITDA 62.7m)
Debt / FCF = -4.58 (Net Debt -138.0m / FCF TTM 30.1m)
Total Stockholder Equity = 362.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.97% (Net Income 32.7m / Total Assets 3.63b)
RoE = 9.04% (Net Income TTM 32.7m / Total Stockholder Equity 362.2m)
RoCE = 9.44% (EBIT 58.6m / Capital Employed (Equity 362.2m + L.T.Debt 258.1m))
RoIC = 7.34% (NOPAT 46.7m / Invested Capital 637.0m)
WACC = 12.30% (E(456.4m)/V(714.5m) * Re(8.66%) + D(258.1m)/V(714.5m) * Rd(23.49%) * (1-Tc(0.20)))
Discount Rate = 8.66% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 76.34 | Cagr: 8.71%
[DCF] Terminal Value 60.13% ; FCFF base≈32.1m ; Y1≈28.4m ; Y5≈23.4m
[DCF] Fair Price = 17.30 (EV 228.1m - Net Debt -138.0m = Equity 366.1m / Shares 21.2m; r=12.30% [WACC]; 5y FCF grow -13.93% → 2.50% )
EPS Correlation: 97.24 | EPS CAGR: 18.12% | SUE: 1.10 | # QB: 1
Revenue Correlation: 96.40 | Revenue CAGR: 8.41% | SUE: -0.13 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.53 | Chg30d=+0.96% | Revisions=-25% | Analysts=2
EPS current Year (2026-12-31): EPS=1.98 | Chg30d=+0.76% | Revisions=+25% | GrowthEPS=+10.6% | GrowthRev=+29.4%
EPS next Year (2027-12-31): EPS=2.37 | Chg30d=+11.29% | Revisions=+25% | GrowthEPS=+19.4% | GrowthRev=+35.9%
[Analyst] Revisions Ratio: +17% (up=2, down=1)