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Upturn AI Summary - About
Colony Bankcorp Inc.(CBAN)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CBAN
10/08/2026: CBAN (1-star) is currently NOT-A-BUY. Pass it for now.
Colony Bankcorp Inc. is a community-focused regional banking institution primarily serving markets in Georgia. The company maintains a steady business model supported by diversified revenue streams, including specialty lending and mortgage services. Its core growth opportunity lies in capturing additional market share within Georgia's high-growth metropolitan areas and further enhancing digital customer services. However, the company faces notable risks, including geographic concentration, intense competition from larger banks, and sensitivity to interest rate fluctuations. It is generally well-suited for value and dividend-focused investors, though shareholders should closely monitor the bank's ability to maintain margins and successfully execute its digital transition strategy.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth prospects tied to regional economic development rather than high-growth innovation. |
| Momentum investor | Weak fit | The stock often lacks the high-volatility price trends favored by momentum strategies; fit is conditional on a positive breakout. |
| Value investor | Strong fit | The company often trades at valuations reflective of its steady, cash-flow-generative community banking model. |
| Dividend investor | Strong fit | The company maintains a consistent dividend policy that appeals to income-focused investors. |
| Low-risk investor | Mixed fit | While established, regional banking risks such as interest rate sensitivity and economic cycles introduce moderate risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can fluctuate significantly based on changes in interest rate expectations and economic outlooks. |
| Valuation risk | Medium | Overpaying relative to book value or earnings can limit capital appreciation potential. |
| Competition risk (Regional Banking) | High | Larger, well-capitalized institutions can pressure margins and market share. |
| Business quality | Medium | The business relies on traditional banking models that are subject to cyclical economic health. |
| Dividend income | Low | Dividends are generally stable but could be impacted by severe economic downturns. |
| Execution risk | Medium | Integration of acquisitions and successful digital upgrades are critical for long-term performance. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 40.2% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/08/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 426.98M USD | Price to earnings Ratio 12.42 | 1Y Target Price 25.12 |
Price to earnings Ratio 12.42 | 1Y Target Price 25.12 | ||
Volume (30-day avg) 142.0K shares | Beta 0.55 | 52 Weeks Range 15.42 - 22.46 | Updated Date 10/08/2026 |
52 Weeks Range 15.42 - 22.46 | Updated Date 10/08/2026 | ||
Dividends yield (FY) 2.30% | Basic EPS (TTM) 1.62 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Earnings generated from the difference between interest earned on loans and interest paid on deposits. | This is the core engine of the bank, driven by lending activities and interest rate spreads. |
| Non-Interest Income | Service charges, mortgage banking fees, and wealth management commissions. | These fees provide a necessary supplement to interest income, helping diversify revenue. |
| Georgia Geography | Operations concentrated within the state of Georgia. | The bank's performance is highly dependent on the local economic health of Georgia communities. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.42 | Forward PE 11 | Enterprise Value 500.19M | Price to Sales(TTM) 2.94 |
Enterprise Value 500.19M | Price to Sales(TTM) 2.94 | ||
Enterprise Value to Revenue 4.4 | Enterprise Value to EBITDA - | Shares Outstanding 21.22M | Shares Floating 20.28M |
Shares Outstanding 21.22M | Shares Floating 20.28M | ||
Percent Insiders 4.08 | Percent Institutions 63.48 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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