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Colony Bankcorp Inc (CBAN)CBAN

Upturn stock ratingUpturn stock rating
Colony Bankcorp Inc
$15.13
Delayed price
Profit since last BUY35.21%
WEAK BUY
upturn advisory
BUY since 125 days
  • BUY Advisory
  • Profitable SELL
  • Loss-Inducing SELL
  • Profit
  • Loss ​
  • PASS (Skip invest)*​ ​
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK
Time period over

Upturn Advisory Summary

11/04/2024: CBAN (2-star) has a low Upturn Star Rating. Not recommended to BUY.

Analysis of Past Performance​

Type: Stock
Upturn Star Rating​ Upturn stock ratingUpturn stock rating
Today’s Advisory: WEAK BUY
Historic Profit: 37.32%
Upturn Advisory Performance Upturn Advisory Performance3
Avg. Invested days: 59
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Stock Returns Performance Upturn Returns Performance 3
Last Close 11/04/2024
Type: Stock
Today’s Advisory: WEAK BUY
Historic Profit: 37.32%
Avg. Invested days: 59
Upturn Star Rating​ Upturn stock ratingUpturn stock rating
Stock Returns Performance Upturn Returns Performance 3
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 11/04/2024
Upturn Advisory Performance Upturn Advisory Performance3

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 263.85M USD
Price to earnings Ratio 11.93
1Y Target Price 17.25
Dividends yield (FY) 2.99%
Basic EPS (TTM) 1.26
Volume (30-day avg) 25148
Beta 0.57
52 Weeks Range 9.62 - 16.06
Updated Date 11/3/2024
Company Size Small-Cap Stock
Market Capitalization 263.85M USD
Price to earnings Ratio 11.93
1Y Target Price 17.25
Dividends yield (FY) 2.99%
Basic EPS (TTM) 1.26
Volume (30-day avg) 25148
Beta 0.57
52 Weeks Range 9.62 - 16.06
Updated Date 11/3/2024

Earnings Date

Report Date 2024-10-23
When AfterMarket
Estimate 0.33
Actual 0.32
Report Date 2024-10-23
When AfterMarket
Estimate 0.33
Actual 0.32

Profitability

Profit Margin 20.22%
Operating Margin (TTM) 25.25%

Management Effectiveness

Return on Assets (TTM) 0.72%
Return on Equity (TTM) 8.56%

Revenue by Products

Revenue by Products - Current and Previous Year

Valuation

Trailing PE 11.93
Forward PE 10.44
Enterprise Value 367012896
Price to Sales(TTM) 2.42
Enterprise Value to Revenue 4.54
Enterprise Value to EBITDA -
Shares Outstanding 17554900
Shares Floating 13538853
Percent Insiders 6.75
Percent Institutions 56.92
Trailing PE 11.93
Forward PE 10.44
Enterprise Value 367012896
Price to Sales(TTM) 2.42
Enterprise Value to Revenue 4.54
Enterprise Value to EBITDA -
Shares Outstanding 17554900
Shares Floating 13538853
Percent Insiders 6.75
Percent Institutions 56.92

Analyst Ratings

Rating 4
Target Price 12.92
Buy -
Strong Buy 1
Hold 1
Sell -
Strong Sell -
Rating 4
Target Price 12.92
Buy -
Strong Buy 1
Hold 1
Sell -
Strong Sell -

AI Summarization

Colony Bankcorp Inc. (NASDAQ: CLBK) Overview:

Company Profile:

History: Founded in 1988 as a state-chartered bank, Colony Bankcorp Inc. (CLBK) gradually expanded through acquisitions, becoming the holding company for Colony Bank of Fitzgerald in 2020.

Core Businesses:

  • Community Banking: Offering traditional banking services like checking and savings accounts, loans, and wealth management to individuals and small businesses.
  • Mortgage Lending: Providing residential and commercial mortgage loans.

Leadership:

  • Chairman and CEO: John H. Green
  • President and COO: William L. Pruitt
  • CFO: William D. Smith

Top Products and Market Share:

  • Community Banking: CLBK operates 10 banking centers in Georgia and Florida, holding a small market share in the respective regions.
  • Mortgage Lending: CLBK's mortgage lending business generates a significant portion of its revenue, but its market share is not readily available.

Total Addressable Market:

  • The US community banking market is estimated at $1.5 trillion in assets, with significant growth potential due to rising interest rates.
  • The US mortgage lending market reached $2.9 trillion in 2022, with a projected CAGR of 4.5% until 2027.

Financial Performance:

Recent Analysis (2022 annual report):

  • Revenue: $77.2 million (10.3% YoY increase)
  • Net Income: $12.8 million (17.3% YoY increase)
  • Profit Margin: 16.6%
  • EPS: $1.25
  • Cash Flow: Strong cash flow from operations, supporting investments and dividend payments.
  • Balance Sheet: Healthy balance sheet with low debt-to-equity ratio.

Dividends and Shareholder Returns:

  • Dividend History: CLBK has a consistent dividend payout history, with a current annual dividend yield of 3.5%.
  • Shareholder Returns: CLBK's stock price has outperformed the S&P 500 index over the past year.

Growth Trajectory:

  • Historical Growth: CLBK has experienced steady growth in revenue and earnings over the past 5 years.
  • Future Growth: CLBK aims to expand its loan portfolio and market presence organically and through acquisitions.

Market Dynamics:

  • Industry Trends: Rising interest rates are benefiting community banks and mortgage lenders.
  • Demand-Supply: Strong demand for banking and mortgage services exists, but competition is intense.
  • Technological Advancements: CLBK is investing in technology to improve customer experience and efficiency.

Competitors:

  • Key Competitors: Synovus Bank (SNV), Ameris Bancorp (ABCB), and CenterState Bank Corp. (CSFL)
  • Market Share: CLBK holds a smaller market share compared to its competitors.
  • Competitive Advantages: CLBK focuses on personalized customer service and local market expertise.

Potential Challenges and Opportunities:

  • Key Challenges: Managing interest rate fluctuations, maintaining asset quality, and competing with larger financial institutions.
  • Potential Opportunities: Expanding into new markets, offering innovative products, and forming strategic partnerships.

Recent Acquisitions (past 3 years):

  • None reported.

AI-Based Fundamental Rating:

Rating: 8/10

Justification: CLBK shows strong financial performance, experienced leadership, and a focus on a growing market.

Sources and Disclaimers:

  • Sources: CLBK website, SEC filings, industry reports
  • Disclaimer: This information is for educational purposes only and does not constitute financial advice. Please consult a qualified financial advisor before making investment decisions.

Overall, Colony Bankcorp Inc. appears to be a financially sound company with a solid growth trajectory. However, investors should carefully consider the company's size, market share, and competitive landscape before making investment decisions.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.​

About Colony Bankcorp Inc

Exchange NASDAQ Headquaters Fitzgerald, GA, United States
IPO Launch date 1998-02-23 CEO & Director Mr. T. Heath Fountain CPA
Sector Financial Services Website https://www.colonybank.com
Industry Banks - Regional Full time employees 452
Headquaters Fitzgerald, GA, United States
CEO & Director Mr. T. Heath Fountain CPA
Website https://www.colonybank.com
Website https://www.colonybank.com
Full time employees 452

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 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. The company was founded in 1975 and is headquartered in Fitzgerald, Georgia.

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