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Financial Services - Banks - Regional - NASDAQ - US
$ 14.75
0.614 %
$ 258 M
Market Cap
10.85
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CBAN stock under the worst case scenario is HIDDEN Compared to the current market price of 14.8 USD, Colony Bankcorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CBAN stock under the base case scenario is HIDDEN Compared to the current market price of 14.8 USD, Colony Bankcorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CBAN stock under the best case scenario is HIDDEN Compared to the current market price of 14.8 USD, Colony Bankcorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CBAN

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$18.0$18.0$17.5$17.5$17.0$17.0$16.5$16.5$16.0$16.0$15.5$15.5$15.0$15.0$14.5$14.515 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
115 M REVENUE
-28.18%
41.4 M OPERATING INCOME
52.16%
23.9 M NET INCOME
9.75%
9.64 M OPERATING CASH FLOW
-63.13%
101 M INVESTING CASH FLOW
197.36%
-10 M FINANCING CASH FLOW
-12.44%
30.8 M REVENUE
7.54%
0 OPERATING INCOME
0.00%
7.43 M NET INCOME
32.03%
-3.24 M OPERATING CASH FLOW
-25.51%
49 M INVESTING CASH FLOW
502.78%
40.5 M FINANCING CASH FLOW
-3.70%
Balance Sheet Colony Bankcorp, Inc.
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Current Assets 392 M
Cash & Short-Term Investments 392 M
Receivables 0
Other Current Assets 0
Non-Current Assets 112 M
Long-Term Investments 0
PP&E 37.8 M
Other Non-Current Assets 73.8 M
77.84 %7.51 %14.65 %Total Assets$503.7m
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 248 M
Long-Term Debt 248 M
Other Non-Current Liabilities 0
100.00 %Total Liabilities$248.0m
EFFICIENCY
Earnings Waterfall Colony Bankcorp, Inc.
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Revenue 115 M
Cost Of Revenue 0
Gross Profit 115 M
Operating Expenses 115 M
Operating Income 41.4 M
Other Expenses 17.5 M
Net Income 23.9 M
120m120m100m100m80m80m60m60m40m40m20m20m00115m0115m(115m)41m(18m)24mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
35.87% OPERATING MARGIN
35.87%
20.67% NET MARGIN
20.67%
8.56% ROE
8.56%
0.77% ROA
0.77%
8.22% ROIC
8.22%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Colony Bankcorp, Inc.
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50m50m40m40m30m30m20m20m10m10m00(10m)(10m)(20m)(20m)(30m)(30m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 23.9 M
Depreciation & Amortization 94 K
Capital Expenditures 0
Stock-Based Compensation 1.3 M
Change in Working Capital 0
Others -17.6 M
Free Cash Flow 9.64 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Colony Bankcorp, Inc.
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CBAN has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.70% DIVIDEND YIELD
0.115 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.50000.50000.45000.45000.40000.40000.35000.35000.30000.30000.25000.25000.20000.20000.15000.15000.10000.10000.05000.05000.00000.00000.0250.050.0750.10.10250.10750.110.11250.1150.0250.050.0750.10.10250.10750.110.11250.0250.050.0750.10.10250.10750.110.11250.0250.100.050.200.0750.300.10.400.10250.410.10750.430.110.440.11250.450.12201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Colony Bankcorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
7.82 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Colony Bankcorp, Inc. Announces Date for First Quarter 2025 Earnings Release and Conference Call FITZGERALD, Ga.--(BUSINESS WIRE)--Colony Bankcorp, Inc. (NYSE: CBAN) (“Colony” or the “Company”) today announced that it will release its first quarter 2025 financial results on Wednesday, April 23, 2025, after the stock market closes. The Company will also hold a live conference call on Thursday, April 24, 2025, at 9:00 AM ET. The conference call can be accessed by dialing 1-800-549-8228 and using the Conference ID: 68027. Participants are encouraged to dial in 15 minutes prior to the call. A. businesswire.com - 2 weeks ago
Colony Bankcorp: An Attractively Priced Georgia-Focused Regional Bank Colony Bankcorp reported a net income of $23.9M in FY 2024, with an EPS of $1.36, and maintains a strong balance sheet with over $1B in liquid assets. The bank's loan book, heavily invested in real estate, shows a low LTV ratio in the non-owner occupied CRE segment, indicating a relatively safe portfolio. Despite a potentially slow first half of 2025, Colony Bankcorp is expected to perform better than last year, with a projected EPS of around $1.50. seekingalpha.com - 2 weeks ago
Colony Bankcorp, Inc. Expands Insurance Division With Acquisition of the Ellerbee Agency FITZGERALD, Ga.--(BUSINESS WIRE)--Colony Bankcorp, Inc. (NYSE: CBAN) (“Colony” or the “Company”) today announced it has acquired The Ellerbee Agency, an Allstate appointed consumer property and casualty insurance agency. The agency will become part of Colony Insurance, the Company's wholly-owned insurance subsidiary. This acquisition expands Colony Insurance's footprint and customer base with two new office locations in Monroe, Georgia (120 W Highland Avenue) and Greensboro, Georgia (1061 Parks. businesswire.com - 2 weeks ago
Why Colony Bankcorp (CBAN) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Colony Bankcorp (CBAN) have what it takes? zacks.com - 3 weeks ago
Colony Bankcorp, Inc. Announces Retirement of Director Edward P. Loomis, Jr. FITZGERALD, Ga.--(BUSINESS WIRE)--Colony Bankcorp, Inc. (NYSE: CBAN) (“Colony” or the “Company”) today announced that Edward P. Loomis, Jr. will retire from the Board of Directors of both the Company and its wholly-owned banking subsidiary, Colony Bank, effective May 22, 2025. Loomis, an experienced executive officer, served as President and Chief Executive Officer of the Company and Colony Bank from May 2012 until his retirement in July 2018. During his tenure, he steered Colony out of the rec. businesswire.com - 1 month ago
Colony Bankcorp, Inc. Appoints Paul Joiner, III to Board of Directors FITZGERALD, Ga.--(BUSINESS WIRE)--Colony Bankcorp, Inc. (NYSE: CBAN) (“Colony” or the “Company”) today announced the appointment of Paul Joiner, III to the Board of Directors for both the Company and Colony Bank, effective March 1, 2025. Joiner brings over two decades of experience in finance, accounting, corporate leadership, and real estate investment to the Board. Joiner currently serves as Vice President of Finance at SASCO Chemical Group and its related entities, where he has successfully. businesswire.com - 1 month ago
Colony Bankcorp (CBAN) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Colony Bankcorp (CBAN) have what it takes? zacks.com - 1 month ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Colony Bankcorp (CBAN) have what it takes? zacks.com - 2 months ago
16 Upcoming Dividend Increases Sixteen companies are boosting their dividends, with an average increase of 8.2%, signaling financial health and stability, particularly among regional banks. My investment strategy focuses on companies with consistently rising dividends and outperforming benchmarks, aiming for long-term wealth accumulation. I use data from the "U.S. Dividend Champions" spreadsheet and NASDAQ to identify companies with at least five years of dividend growth. seekingalpha.com - 2 months ago
Colony Bankcorp, Inc. (CBAN) Q4 2024 Earnings Call Transcript Colony Bankcorp, Inc. (NYSE:CBAN ) Q4 2024 Earnings Call Transcript January 23, 2025 9:00 AM ET Company Participants Heath Fountain - CEO & Director Derek Shelnutt - Executive VP & CFO Conference Call Participants Operator Good morning, ladies and gentlemen. And welcome to the Colony Bank Quarter Fourth 2024 Conference Call. seekingalpha.com - 2 months ago
Colony Bankcorp (CBAN) Q4 Earnings and Revenues Beat Estimates Colony Bankcorp (CBAN) came out with quarterly earnings of $0.44 per share, beating the Zacks Consensus Estimate of $0.36 per share. This compares to earnings of $0.31 per share a year ago. zacks.com - 2 months ago
Colony Bankcorp Reports Fourth Quarter 2024 Results FITZGERALD, Ga.--(BUSINESS WIRE)--Colony Bankcorp, Inc. (NYSE: CBAN) (“Colony” or the “Company”) today reported financial results for the fourth quarter of 2024. Financial highlights are shown below. Financial Highlights: Net income increased to $7.4 million, or $0.42 per diluted share, for the fourth quarter of 2024, compared to $5.6 million, or $0.32 per diluted share, for the third quarter of 2024, and $5.6 million, or $0.32 per diluted share, for the fourth quarter of 2023. Operating net in. businesswire.com - 2 months ago
8. Profile Summary

Colony Bankcorp, Inc. CBAN

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 258 M
Dividend Yield 0.70%
Description 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.
Contact 115 South Grant Street, Fitzgerald, GA, 31750 https://www.colonybank.com
IPO Date April 2, 1998
Employees 455
Officers Mr. Leonard H. Bateman Jr. Executive Vice President & Chief Credit Officer Mr. Roy Dallis Copeland Jr. President Mr. Edward Percy Loomis Jr. Independent Director Mr. Derek Shelnutt Executive Vice President & Chief Financial Officer Mr. Lawrence A. Whitley Senior Vice President & Chief People Officer Mr. T. Heath Fountain CPA Chief Executive Officer & Director Mr. Daniel Rentz Executive Vice President & Chief Information Officer Ms. Laurie Senn Executive Vice President & Chief Administrative Officer Mr. Edward Lee Bagwell III Executive Vice President, Chief Risk Officer, General Counsel & Secretary Mr. Brian D. Schmitt Executive Vice President & Director