Colony Bankcorp, Inc.
$19.54
-1.6%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.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is compressed (P/E 12.3).
Valuation inputs: P/E 12.3, earnings yield +8.1%, momentum -1.6%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE +7.5%, ROIC +5.2%).
Profitability stack: net margin +15.2%, ROE +7.5%, ROIC +5.2%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceRisk profile is balanced but has notable pressure points to monitor.
Risk factors: liabilities/assets +89.9%, momentum -1.6%, net margin +15.2%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Colony Bankcorp, Inc. Market vs Earnings Trajectory
Loading price and EPS data...
Colony Bankcorp, Inc. Fair Value Envelope
Colony Bankcorp, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
Colony Bankcorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extension—monitor closely.
Cash Flow Quality Insight
Cash flow concerns: Despite profitability, the company is burning cash. Review working capital management, CapEx levels, and sustainability of current operations.
Colony Bankcorp, Inc. Funding & Solvency Profile
Financial Health Analysis
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Colony Bankcorp, Inc. Street Expectations Map
No Target Data
No analyst price targets available for cban.
Colony Bankcorp, Inc. Insider Positioning
During the last 12 months, insiders have purchased $235K and sold $153K worth of CBAN shares, resulting in $82K of net buying activity.
3 Months
3.5K
69.05K
0
0.00
+69K
+$69K
3-6 Months
500
10.00K
0
0.00
+10K
+$10K
6-9 Months
3.3K
54.33K
0
0.00
+54K
+$54K
9-12 Months
6.2K
102.09K
9.3K
153.10K
-51K
-$51K
Top Buyers
Canup Edward G
Officer: Chief Banking Officer
$144K
Bateman Leonard H Jr
Officer: Evp & Chief Credit Officer
$85K
Reed Matthew D.
Director
$5K
Fountain T Heath
Director, Officer: President And Ceo
$834
Shelnutt Derek
Officer: Cfo
$442
Top Sellers
Bateman Leonard H Jr
Officer: Evp & Chief Credit Officer
$94K
Copeland R Dallis Jr
Officer: President
$15K
Shelnutt Derek
Officer: Cfo
$14K
Bagwell Lee
Officer: Executive Vp
$11K
Rentz Daniel
Officer: Chief Information Officer
$9K
Insider Activity Analysis
Net Insider Sentiment
Moderately bullish with $82K net buying. Insiders show cautious optimism through measured share purchases.
Buy/Sell Ratio
Positive buy/sell ratio. Buying exceeds or matches selling, indicating net positive insider sentiment.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
5 insider buyers and 5 sellers. Equal participation suggests mixed or neutral insider views.
Insider Activity Insight
Broad-based insider buying: When multiple insiders independently decide to purchase shares, it often reflects genuine confidence rather than coordinated optics. This pattern deserves attention, especially if buying followed a price decline.
cban Dividend History
Learning Layer
Related Guides
Build conviction on CBAN by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.