StockData
Colony Bankcorp Inc logo

Colony Bankcorp Inc (CBAN) stock analysis

CBANNYSEState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 10/30
$20.30−0.09 (-0.44%)

Close on Nov 12, 2026Market cap $430.79MP/E –Yield 0.57%

StockData Score

Prices as of Nov 11, 2026How the score works

Value2Growth1Performance0Health4Dividend3

Mixed10 of 30 checks passed

Colony Bankcorp passes 10 of the 30 checks behind our score; 7 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
1/6
Past performance
0/6
Financial health
4/6
Dividend
3/6

What stands out

  • Covered by free cash flow

    Dividends take 77.9% of free cash flow.

  • Covered by earnings

    Dividends take 61.1% of net income.

  • Well capitalized

    Equity is 10.7% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 83.0% of deposits, so lending is funded by customer deposits.

What to watch

  • Return on equity under 15%

    Return on equity was 4.5% over the last twelve months and averaged 7.8% over five years; we look for 15% on both.

  • Earnings shrank over 5 years

    Net income shrank 11.0% a year on average over the last five fiscal years.

  • Revenue growing under 10% a year

    Revenue grew -36.2% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -30.7% a year over the last three fiscal years.

Valuation2/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S below the industry

    Colony Bankcorp's price-to-sales of 2.68 is below the Commercial Banks median of 3.60.

  • P/B below the industry

    Colony Bankcorp's price-to-book of 1.10 is below the Commercial Banks median of 1.29.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew -36.2% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -30.7% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -43.3% over the last twelve months, against a 5-year average of -11.0% a year.

  • Growing faster than the industry

    Revenue grew 28.1% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance0/6

  • Return on equity under 15%

    Return on equity was 4.5% over the last twelve months and averaged 7.8% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was 0.5%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Colony Bankcorp's return on equity of 4.5% is below the Commercial Banks median of 11.5%.

  • Earnings shrank over 5 years

    Net income shrank 11.0% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 9.8% over the last twelve months, against a 5-year average of 19.4%.

  • Net margin below the industry

    Colony Bankcorp's net margin of 9.8% is below the Commercial Banks median of 30.3%.

Financial health4/6

  • Well capitalized

    Equity is 10.7% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 83.0% of deposits, so lending is funded by customer deposits.

  • Thin loan-loss reserve

    The allowance for credit losses is 0.9% of loans; we look for at least 1%.

  • Efficient operations

    Non-interest expense takes 59.3% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 14.4% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend3/6

  • Pays a dividend

    Colony Bankcorp paid dividends worth 1.8% of the share price over the last twelve months.

  • Yield below Treasuries

    The 1.8% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; Colony Bankcorp yields 1.8%.

  • Dividend was cut

    The dividend per share fell by more than 10% at least once in the last 10 fiscal years.

  • Covered by earnings

    Dividends take 61.1% of net income.

  • Covered by free cash flow

    Dividends take 77.9% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Colony Bankcorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 10.6
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$2.69M
Value traded per 1% price move
$2.89M

Downside

Low risk

Typical loss in a bad month
7.2%
Volatility (annualized)
23%
Sharpe ratio, 1 year
0.97
Beta to the S&P 500 (5Y)
0.57

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

22.0%+7.2 pts over 5 years

See a number that looks wrong?