CBAN:NSD-Colony Bankcorp, Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 15.00

Change

+0.10 (+0.67)%

Market Cap

USD 0.14B

Volume

0.01M

Average Target Price

N/A
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and consumer customers. It offers various deposit products, including demand, savings, and time deposits. The company also provides loans to small and medium-sized businesses; residential and commercial construction, and land development loans; commercial real estate loans; commercial loans; agri-business and production loans; residential mortgage loans; home equity loans; and consumer loans. In addition, it offers internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, and remote depository products, as well as access to a network of ATMs. As of January 22, 2021, the company operated 32 branches throughout Georgia. Colony Bankcorp, Inc. was founded in 1975 and is headquartered in Fitzgerald, Georgia.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-04-21 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HBANN Huntington Bancshares Incorpor..

+0.22 (+0.85%)

USD28.17B 37.45 N/A
SIVB SVB Financial Group

+20.29 (+4.00%)

USD27.40B 22.20 N/A
FITB Fifth Third Bancorp

+0.92 (+2.52%)

USD26.91B 20.69 N/A
FITBI Fifth Third Bancorp

+0.03 (+0.11%)

USD19.92B 15.56 N/A
HBAN Huntington Bancshares Incorpor..

+0.33 (+2.18%)

USD15.51B 21.99 N/A
HBANO Huntington Bancshares Incorpor..

+0.02 (+0.08%)

USD13.19B 36.80 N/A
SBNY Signature Bank

+20.04 (+9.14%)

USD13.13B 22.88 N/A
CBSH Commerce Bancshares, Inc

+1.67 (+2.24%)

USD8.72B 20.67 N/A
ZION Zions Bancorporation, National..

+1.30 (+2.48%)

USD8.57B 17.33 N/A
FCNCA First Citizens BancShares, Inc

+20.87 (+2.51%)

USD8.05B 17.48 N/A

ETFs Containing CBAN

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 2.39% 13% F 41% F
Dividend Return 1.40% 86% B 76% C
Total Return 3.79% 14% F 43% F
Trailing 12 Months  
Capital Gain 37.61% 26% F 38% F
Dividend Return 4.63% 64% D 68% D+
Total Return 42.25% 27% F 39% F
Trailing 5 Years  
Capital Gain 58.90% 64% D 56% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 58.90% 55% F 52% F
Average Annual (5 Year Horizon)  
Capital Gain 6.14% 79% C+ 51% F
Dividend Return 1.59% 31% F 44% F
Total Return 7.73% 79% C+ 50% F
Risk Return Profile  
Volatility (Standard Deviation) 23.34% 57% F 68% D+
Risk Adjusted Return 33.11% 79% C+ 55% F
Market Capitalization 0.14B 20% F 26% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 12.02 69% D+ 70% C-
Price/Book Ratio 0.99 78% C+ 90% A-
Price / Cash Flow Ratio -7.41 92% A- 73% C
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 8.59% 54% F 72% C-
Return on Invested Capital -1.05% 22% F 46% F
Return on Assets 0.72% 32% F 54% F
Debt to Equity Ratio 115.64% 11% F 18% F
Technical Ratios  
Short Ratio 3.55 41% F 32% F
Short Percent 1.22% 61% D- 78% C+
Beta 0.63 81% B- 81% B-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector