Colony Bankcorp (CBAN) AI Stock Analysis

• Market Cap: $266.36M
• Dividend Yield: 3.01%
• Average Volume (3M): 53.52K
• Price to Earnings (P/E): 10.7
• Beta (1Y): 0.93
• Revenue Growth: 6.61%
• EPS Growth: 14.29%
• Country: US
• Employees: 443
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.38
• Shares Outstanding: 17,443,441
• 10 Day Avg. Volume: 53,476
• 30 Day Avg. Volume: 53,520
• PEG Ratio: -0.36
• Price to Book (P/B): 0.95
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 4.66
• Enterprise Value/Market Cap: 1.51
• Enterprise Value/Revenue: 0.80
• Enterprise Value/Gross Profit: 3.06
• Enterprise Value/Ebitda: 4.19
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 76 Outperform
• Price Target: $17.50 ▲(14.60%Upside)

Colony Bankcorp's overall stock score reflects a strong financial position and positive earnings call, indicating effective management and strategic growth. While the technical analysis and valuation support the stock's stability, the decline in free cash flow and moderate technical indicators suggest areas for improvement.

Colony Bankcorp Business Overview & Revenue Model

Company Description

Colony Bankcorp, Inc. is a financial holding company headquartered in Fitzgerald, Georgia. It primarily operates through its subsidiary, Colony Bank, which offers a range of commercial banking services. These services include personal and business banking, mortgage lending, and investment services. The bank serves individuals, small to medium-sized businesses, and professionals across various sectors. Colony Bankcorp is committed to delivering personalized financial solutions and building long-term relationships with its clients.

How the Company Makes Money

Colony Bankcorp generates revenue primarily through interest income from its lending activities, which include personal loans, commercial loans, and mortgage loans. The company also earns non-interest income through fees and service charges associated with deposit accounts, transaction processing, and other financial services. Additionally, Colony Bankcorp benefits from investment income from its portfolio of securities. The company's earnings are further supported by community involvement and a strong local presence, which helps in building customer trust and expanding its client base.

Colony Bankcorp Financial Statement Overview

Summary

Colony Bankcorp demonstrates strong financial health with consistent revenue growth and robust operating margins. The balance sheet is healthy, with no debt in 2024 and improved equity ratios. However, a decline in free cash flow growth is a concern that needs monitoring.

Income Statement

Colony Bankcorp has shown solid revenue growth over the years, with a noticeable increase in total revenue from 2020 to 2023. The EBIT and EBITDA margins are strong, reflecting efficient operations. However, the revenue for the latest period was not available, which limits the analysis for the current year's growth rates.

Balance Sheet

The company maintains a healthy balance sheet with no debt in 2024, demonstrating financial strength. The equity ratio and return on equity have improved over the years, indicating effective management of shareholder funds. Despite these strengths, the absence of total debt in 2024 metrics complicates a full analysis of the debt-to-equity ratio.

Cash Flow

Colony Bankcorp's cash flow statement reveals stable operating cash flow and a positive free cash flow in recent years. However, there is a notable decline in free cash flow from 2023 to 2024, which could indicate challenges in maintaining capital efficiency. The operating cash flow to net income ratio is favorable, suggesting effective cash conversion.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
147.40M	176.62M	113.88M	112.33M	102.48M	79.49M
	Gross Profit
131.22M	115.45M	113.88M	115.70M	102.48M	79.49M
	EBIT
42.59M	29.57M	27.21M	33.72M	23.15M	22.54M
	EBITDA
26.25M	37.70M	31.11M	34.48M	0.00	20.49M
	Net Income Common Stockholders
25.15M	23.87M	21.75M	19.54M	18.66M	11.81M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
406.80M	392.09M	83.32M	453.14M	957.14M	564.32M
	Total Assets
3.17B	3.11B	3.05B	2.94B	2.69B	1.76B
	Total Debt
0.00	248.04M	238.44M	203.35M	88.45M	60.29M
	Net Debt
-26.09M	221.99M	213.11M	182.77M	-108.78M	43.07M
	Total Liabilities
2.88B	2.83B	2.80B	2.71B	2.47B	1.62B
	Stockholders Equity
286.93M	278.68M	254.94M	230.27M	217.71M	144.49M
Cash Flow		Free Cash Flow
27.73M	22.32M	22.52M	46.85M	30.27M	-23.34M
	Operating Cash Flow
28.54M	23.40M	26.14M	49.74M	36.10M	-19.09M
	Investing Cash Flow
-21.60M	101.16M	-103.90M	-448.23M	-208.33M	-130.27M
	Financing Cash Flow
119.60M	23.15M	80.41M	281.93M	185.95M	228.77M

Colony Bankcorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 15.27
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBAN, the sentiment is Negative. The current price of 15.27 is below the 20-day moving average (MA) of 15.48, below the 50-day MA of 15.31, and below the 200-day MA of 15.79, indicating a bearish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 45.86 is Neutral, neither overbought nor oversold. The STOCH value of 50.35 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CBAN.

Colony Bankcorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBAN	76 Outperform	$266.36M	10.65	9.20%	3.01%	6.61%	14.29%
PCB	75 Outperform	$286.61M	10.32	7.60%	3.99%	14.10%	11.51%
OBT	74 Outperform	$312.14M	9.56	14.76%	2.25%	6.08%	-23.52%
LNKB	71 Outperform	$257.58M	7.15	12.74%	4.35%	77.09%	―
SFST	69 Neutral	$292.12M	15.86	5.60%	―	8.57%	37.95%
Sector *	64 Neutral	$12.77B	9.71	7.85%	78.06%	12.07%	-7.97%

Colony Bankcorp Corporate Events

Colony Bankcorp Releases Updated Investor Presentation

On May 27, 2025, Colony Bankcorp, Inc. released an updated investor presentation for upcoming meetings with investors and stakeholders. The presentation highlights the bank’s strategic focus on organic growth, efficiency improvements, and expanding its customer base. The company aims to leverage its presence in dynamic growth markets and capitalize on opportunities in second-tier markets to enhance market share and revenue streams.

Colony Bankcorp Holds Annual Meeting, Votes on Key Proposals

On May 22, 2025, Edward P. Loomis, Jr. retired from the Board of Directors of Colony Bankcorp, Inc. and Colony Bank, with no disagreements related to company operations. The same day, Colony Bankcorp held its Annual Meeting, where shareholders voted on five proposals, including the election of eight directors and the approval of the executive compensation plan, stock purchase plan, and the appointment of Mauldin & Jenkins, LLC as the independent accounting firm.

Colony Bankcorp Reports Q1 2025 Financial Results

Colony Bankcorp reported its first quarter 2025 financial results, highlighting a net income of $6.6 million, a slight decrease from the previous quarter but an increase from the same period last year. The company saw growth in loans and deposits, with total loans reaching $1.92 billion and deposits increasing to $2.62 billion by March 31, 2025. Despite a decrease in noninterest income, Colony Bankcorp remains optimistic about future revenue growth and has declared a quarterly cash dividend of $0.1150 per share. The company also completed the acquisition of the Ellerbee Agency, enhancing its insurance offerings. CEO Heath Fountain expressed confidence in the company’s strong financial position and strategic initiatives, despite recent market volatility.

Colony Bankcorp Acquires The Ellerbee Agency for Expansion

On April 1, 2025, Colony Bankcorp, Inc. announced the acquisition of The Ellerbee Agency, an Allstate appointed consumer property and casualty insurance agency. This acquisition, which expands Colony Insurance’s footprint with new locations in Monroe and Greensboro, Georgia, aligns with the company’s strategy for growth and community service. The Ellerbee Agency, led by industry veteran Sean Ellerbee, will enhance Colony Insurance’s team with experienced agents and strengthen its market position, offering new opportunities for improved services.

Colony Bankcorp Director Edward Loomis to Retire in 2025

Edward P. Loomis, Jr., a member of the Board of Directors of Colony Bankcorp, Inc., announced his decision not to stand for reelection at the 2025 Annual Meeting of Shareholders, effective May 22, 2025. Loomis, who served as President and CEO from 2012 to 2018, played a crucial role in steering the company out of recession and expanding into new markets. His retirement marks the end of a significant chapter for Colony, as his leadership was instrumental in stabilizing and guiding the bank forward. The company acknowledges his contributions to laying a strong foundation for its future success.