Colony Bankcorp, Inc. Logo

Colony Bankcorp, Inc.

CBAN

(4.0)
Stock Price

15,50 USD

0.71% ROA

8.95% ROE

10.33x PER

Market Cap.

224.167.680,00 USD

104.08% DER

3.45% Yield

16.96% NPM

Colony Bankcorp, Inc. Stock Analysis

Colony Bankcorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Colony Bankcorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.79x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Net Profit Growth

This company has consistently achieved strong net profit growth over the past five years, demonstrating a solid financial performance and making it an appealing investment option.

4 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

5 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last five years, showcasing a commitment to rewarding shareholders.

6 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

7 ROE

The stock's ROE falls within an average range (9.16%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

8 ROA

The stock's ROA (0.71%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

9 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

10 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (60), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

11 DER

The stock is burdened with a heavy load of debt (104%), making it financially unstable and potentially risky for investors.

Colony Bankcorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Colony Bankcorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Colony Bankcorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Colony Bankcorp, Inc. Revenue
Year Revenue Growth
1995 5.268.548
1996 4.843.684 -8.77%
1997 4.017.417 -20.57%
1998 17.800.000 77.43%
1999 19.200.000 7.29%
2000 22.984.388 16.47%
2001 24.671.260 6.84%
2002 30.144.000 18.16%
2003 35.045.419 13.99%
2004 39.970.430 12.32%
2005 43.305.696 7.7%
2006 49.237.917 12.05%
2007 50.275.464 2.06%
2008 46.379.719 -8.4%
2009 49.110.467 5.56%
2010 47.221.365 -4%
2011 44.938.315 -5.08%
2012 46.006.000 2.32%
2013 46.066.000 0.13%
2014 47.088.000 2.17%
2015 46.752.000 -0.72%
2016 47.659.000 1.9%
2017 48.778.000 2.29%
2018 50.418.000 3.25%
2019 62.607.000 19.47%
2020 79.489.000 21.24%
2021 102.479.000 22.43%
2022 115.697.000 11.42%
2023 117.356.000 1.41%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Colony Bankcorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Colony Bankcorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 4.195.964
1996 5.009.239 16.24%
1997 5.450.362 8.09%
1998 5.700.000 4.38%
1999 6.500.000 12.31%
2000 7.463.278 12.91%
2001 8.547.426 12.68%
2002 10.200.000 16.2%
2003 11.226.787 9.15%
2004 12.594.057 10.86%
2005 14.127.949 10.86%
2006 16.870.488 16.26%
2007 17.866.304 5.57%
2008 16.238.080 -10.03%
2009 16.348.417 0.67%
2010 16.666.298 1.91%
2011 18.323.445 9.04%
2012 15.565.000 -17.72%
2013 16.692.000 6.75%
2014 17.508.000 4.66%
2015 17.590.000 0.47%
2016 18.483.000 4.83%
2017 19.223.000 3.85%
2018 20.123.000 4.47%
2019 26.218.000 23.25%
2020 34.141.000 23.21%
2021 45.596.000 25.12%
2022 52.809.000 13.66%
2023 47.892.000 -10.27%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Colony Bankcorp, Inc. EBITDA
Year EBITDA Growth
1995 15.031.959
1996 17.971.605 16.36%
1997 20.006.662 10.17%
1998 22.200.000 9.88%
1999 24.600.000 9.76%
2000 30.345.210 18.93%
2001 34.746.276 12.67%
2002 33.034.000 -5.18%
2003 31.655.350 -4.36%
2004 33.491.086 5.48%
2005 43.477.495 22.97%
2006 59.414.975 26.82%
2007 62.871.853 5.5%
2008 43.313.933 -45.15%
2009 3.002.243 -1342.72%
2010 27.722.735 89.17%
2011 25.720.216 -7.79%
2012 20.715.877 -24.16%
2013 18.655.351 -11.05%
2014 20.506.809 9.03%
2015 22.184.128 7.56%
2016 22.191.462 0.03%
2017 24.462.335 9.28%
2018 26.106.065 6.3%
2019 15.272.000 -70.94%
2020 20.489.000 25.46%
2021 31.782.000 35.53%
2022 45.346.000 29.91%
2023 29.832.000 -52%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Colony Bankcorp, Inc. Gross Profit
Year Gross Profit Growth
1995 5.268.548
1996 4.843.684 -8.77%
1997 4.017.417 -20.57%
1998 17.800.000 77.43%
1999 19.200.000 7.29%
2000 22.984.388 16.47%
2001 24.671.260 6.84%
2002 30.144.000 18.16%
2003 35.045.419 13.99%
2004 39.970.430 12.32%
2005 43.305.696 7.7%
2006 49.237.917 12.05%
2007 50.275.464 2.06%
2008 46.379.719 -8.4%
2009 49.110.467 5.56%
2010 47.221.365 -4%
2011 44.938.315 -5.08%
2012 46.006.000 2.32%
2013 46.066.000 0.13%
2014 47.088.000 2.17%
2015 46.752.000 -0.72%
2016 47.659.000 1.9%
2017 48.778.000 2.29%
2018 50.417.957 3.25%
2019 62.607.000 19.47%
2020 79.489.000 21.24%
2021 102.479.000 22.43%
2022 115.697.000 11.42%
2023 117.356.000 1.41%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Colony Bankcorp, Inc. Net Profit
Year Net Profit Growth
1995 2.140.520
1996 2.933.542 27.03%
1997 3.617.874 18.92%
1998 3.900.000 7.23%
1999 4.200.000 7.14%
2000 4.512.865 6.93%
2001 4.866.456 7.27%
2002 5.752.000 15.4%
2003 6.815.625 15.61%
2004 8.069.294 15.54%
2005 8.977.216 10.11%
2006 10.151.995 11.57%
2007 8.546.956 -18.78%
2008 2.028.824 -321.28%
2009 -19.183.874 110.58%
2010 474.216 4145.39%
2011 2.533.595 81.28%
2012 2.641.000 4.07%
2013 4.629.000 42.95%
2014 7.532.000 38.54%
2015 8.373.000 10.04%
2016 8.673.000 3.46%
2017 7.751.000 -11.9%
2018 11.917.000 34.96%
2019 10.211.000 -16.71%
2020 11.815.000 13.58%
2021 18.659.000 36.68%
2022 19.542.000 4.52%
2023 23.216.000 15.83%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Colony Bankcorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 1
1996 1 0%
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 100%
2005 1 0%
2006 1 0%
2007 1 0%
2008 0 0%
2009 -3 100%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 2 0%
2022 2 0%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Colony Bankcorp, Inc. Free Cashflow
Year Free Cashflow Growth
1995 5.538.996
1996 4.461.150 -24.16%
1997 2.593.102 -72.04%
1998 2.100.000 -23.48%
1999 4.600.000 54.35%
2000 4.777.725 3.72%
2001 5.092.162 6.17%
2002 2.681.000 -89.94%
2003 15.805.087 83.04%
2004 11.470.491 -37.79%
2005 10.109.280 -13.46%
2006 11.284.550 10.41%
2007 12.943.364 12.82%
2008 13.399.539 3.4%
2009 13.763.713 2.65%
2010 26.864.355 48.77%
2011 14.762.071 -81.98%
2012 21.961.294 32.78%
2013 17.380.876 -26.35%
2014 13.085.460 -32.83%
2015 10.877.318 -20.3%
2016 10.128.632 -7.39%
2017 11.200.237 9.57%
2018 12.148.652 7.81%
2019 448.000 -2611.75%
2020 -23.335.000 101.92%
2021 30.266.000 177.1%
2022 46.846.000 35.39%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Colony Bankcorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
1995 5.969.685
1996 5.756.789 -3.7%
1997 5.559.208 -3.55%
1998 5.800.000 4.15%
1999 6.900.000 15.94%
2000 7.410.633 6.89%
2001 7.318.791 -1.25%
2002 5.632.000 -29.95%
2003 17.681.053 68.15%
2004 15.802.338 -11.89%
2005 15.874.372 0.45%
2006 15.002.645 -5.81%
2007 15.169.041 1.1%
2008 17.289.881 12.27%
2009 15.054.037 -14.85%
2010 27.354.611 44.97%
2011 15.159.896 -80.44%
2012 22.806.632 33.53%
2013 18.870.455 -20.86%
2014 14.766.575 -27.79%
2015 14.067.287 -4.97%
2016 13.388.491 -5.07%
2017 12.545.135 -6.72%
2018 14.911.237 15.87%
2019 3.933.000 -279.13%
2020 -19.094.000 120.6%
2021 36.104.000 152.89%
2022 49.741.000 27.42%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Colony Bankcorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
1995 430.689
1996 1.295.639 66.76%
1997 2.966.106 56.32%
1998 3.700.000 19.83%
1999 2.300.000 -60.87%
2000 2.632.908 12.64%
2001 2.226.629 -18.25%
2002 2.951.000 24.55%
2003 1.875.966 -57.31%
2004 4.331.847 56.69%
2005 5.765.092 24.86%
2006 3.718.095 -55.05%
2007 2.225.677 -67.05%
2008 3.890.342 42.79%
2009 1.290.324 -201.5%
2010 490.256 -163.19%
2011 397.825 -23.23%
2012 845.338 52.94%
2013 1.489.579 43.25%
2014 1.681.115 11.39%
2015 3.189.969 47.3%
2016 3.259.859 2.14%
2017 1.344.898 -142.39%
2018 2.762.585 51.32%
2019 3.485.000 20.73%
2020 4.241.000 17.83%
2021 5.838.000 27.36%
2022 2.895.000 -101.66%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Colony Bankcorp, Inc. Equity
Year Equity Growth
1995 21.055.175
1996 25.591.029 17.72%
1997 28.820.692 11.21%
1998 33.100.000 12.93%
1999 35.000.000 5.43%
2000 40.210.133 12.96%
2001 41.970.803 4.19%
2002 65.428.000 35.85%
2003 55.975.675 -16.89%
2004 61.762.963 9.37%
2005 68.127.992 9.34%
2006 76.611.161 11.07%
2007 83.743.118 8.52%
2008 83.215.155 -0.63%
2009 89.274.624 6.79%
2010 92.958.583 3.96%
2011 96.612.810 3.78%
2012 95.759.000 -0.89%
2013 89.954.000 -6.45%
2014 99.027.000 9.16%
2015 95.457.000 -3.74%
2016 93.388.000 -2.22%
2017 90.323.000 -3.39%
2018 95.692.000 5.61%
2019 130.505.000 26.68%
2020 144.488.000 9.68%
2021 217.707.000 33.63%
2022 230.268.000 5.45%
2023 238.692.000 3.53%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Colony Bankcorp, Inc. Assets
Year Assets Growth
1995 278.568.310
1996 319.540.222 12.82%
1997 342.946.566 6.83%
1998 381.300.000 10.06%
1999 435.300.000 12.41%
2000 519.902.597 16.27%
2001 621.574.983 16.36%
2002 781.101.000 20.42%
2003 868.605.807 10.07%
2004 997.590.995 12.93%
2005 1.108.338.336 9.99%
2006 1.213.503.858 8.67%
2007 1.208.776.469 -0.39%
2008 1.252.781.935 3.51%
2009 1.307.089.334 4.15%
2010 1.275.658.373 -2.46%
2011 1.195.376.436 -6.72%
2012 1.139.397.000 -4.91%
2013 1.151.085.000 1.02%
2014 1.146.898.000 -0.37%
2015 1.174.149.000 2.32%
2016 1.210.442.000 3%
2017 1.232.755.000 1.81%
2018 1.251.878.000 1.53%
2019 1.515.313.000 17.38%
2020 1.763.974.000 14.1%
2021 2.691.715.000 34.47%
2022 2.936.570.000 8.34%
2023 3.093.823.000 5.08%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Colony Bankcorp, Inc. Liabilities
Year Liabilities Growth
1995 257.513.135
1996 293.949.193 12.4%
1997 314.125.874 6.42%
1998 348.200.000 9.79%
1999 400.300.000 13.02%
2000 479.692.464 16.55%
2001 579.604.180 17.24%
2002 715.673.000 19.01%
2003 812.630.132 11.93%
2004 935.828.032 13.16%
2005 1.040.210.344 10.03%
2006 1.136.892.697 8.5%
2007 1.125.033.351 -1.05%
2008 1.169.566.780 3.81%
2009 1.217.814.710 3.96%
2010 1.182.699.790 -2.97%
2011 1.098.763.626 -7.64%
2012 1.043.638.000 -5.28%
2013 1.061.131.000 1.65%
2014 1.047.871.000 -1.27%
2015 1.078.692.000 2.86%
2016 1.117.054.000 3.43%
2017 1.142.432.000 2.22%
2018 1.156.186.000 1.19%
2019 1.384.808.000 16.51%
2020 1.619.486.000 14.49%
2021 2.474.008.000 34.54%
2022 2.706.302.000 8.58%
2023 248.422.000 -989.4%

Colony Bankcorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
6.53
Net Income per Share
1.24
Price to Earning Ratio
10.33x
Price To Sales Ratio
1.95x
POCF Ratio
10.71
PFCF Ratio
12.87
Price to Book Ratio
0.94
EV to Sales
2.89
EV Over EBITDA
7.97
EV to Operating CashFlow
15.82
EV to FreeCashFlow
19.01
Earnings Yield
0.1
FreeCashFlow Yield
0.08
Market Cap
0,22 Bil.
Enterprise Value
0,33 Bil.
Graham Number
19.43
Graham NetNet
16.65

Income Statement Metrics

Net Income per Share
1.24
Income Quality
1.32
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.8
EBT Per Ebit
0.83
Ebit per Revenue
0.26
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.44
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.26
Pretax Profit Margin
0.21
Net Profit Margin
0.17

Dividends

Dividend Yield
0.03
Dividend Yield %
3.45
Payout Ratio
0.27
Dividend Per Share
0.44

Operating Metrics

Operating Cashflow per Share
1.19
Free CashFlow per Share
0.99
Capex to Operating CashFlow
-0.17
Capex to Revenue
-0.03
Capex to Depreciation
-0.52
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.2

Balance Sheet

Cash per Share
30,79
Book Value per Share
13,59
Tangible Book Value per Share
158.91
Shareholders Equity per Share
13.59
Interest Debt per Share
16.26
Debt to Equity
1.04
Debt to Assets
0.08
Net Debt to EBITDA
2.58
Current Ratio
0
Tangible Asset Value
2,79 Bil.
Net Current Asset Value
0,29 Bil.
Invested Capital
1.04
Working Capital
0,54 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.11

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Colony Bankcorp, Inc. Dividends
Year Dividends Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Colony Bankcorp, Inc. Profile

About Colony Bankcorp, Inc.

Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and consumer customers. The company offers various deposit products, including demand, savings, and time deposits. It 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, the company 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 20, 2022, it operated 39 locations throughout Georgia. The company was founded in 1975 and is headquartered in Fitzgerald, Georgia.

CEO
Mr. Roy Dallis Copeland Jr.
Employee
453
Address
115 South Grant Street
Fitzgerald, 31750

Colony Bankcorp, Inc. Executives & BODs

Colony Bankcorp, Inc. Executives & BODs
# Name Age
1 Mr. Hugh E. Hollar
President of Home Builder Finance
70
2 Ms. Kimberly C. Dockery
Executive Vice President & Chief of Staff
70
3 Mr. Brian D. Schmitt
Executive Vice President & Director
70
4 Mr. Darren Davis
President of Small Business Specialty Lending Group
70
5 Mr. Lawrence A. Whitley
Chief People Officer
70
6 Ms. Laurie Senn
Chief Operations Officer
70
7 Mr. Walter P. Patten
Executive Vice President
70
8 Mr. Roy Dallis Copeland Jr.
President
70
9 Mr. Derek Shelnutt
Executive Vice President & Chief Financial Officer
70
10 Mr. Edward Lee Bagwell III
Executive Vice President, Chief Risk Officer, General Counsel & Secretary
70

Colony Bankcorp, Inc. Competitors