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Upturn AI SWOT - About
CBAN 
Colony Bankcorp Inc. (CBAN)
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Upturn Advisory Summary
07/09/2025: CBAN (3-star) is a STRONG-BUY. BUY since 7 days. Profits (8.38%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $19
1 Year Target Price $19
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 50.96% | Avg. Invested days 52 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/09/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 311.02M USD | Price to earnings Ratio 12.38 | 1Y Target Price 19 |
Price to earnings Ratio 12.38 | 1Y Target Price 19 | ||
Volume (30-day avg) 2 | Beta 0.6 | 52 Weeks Range 12.28 - 18.23 | Updated Date 07/9/2025 |
52 Weeks Range 12.28 - 18.23 | Updated Date 07/9/2025 | ||
Dividends yield (FY) 2.79% | Basic EPS (TTM) 1.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.11% | Operating Margin (TTM) 29.04% |
Management Effectiveness
Return on Assets (TTM) 0.81% | Return on Equity (TTM) 9.2% |
Valuation
Trailing PE 12.38 | Forward PE 11 | Enterprise Value 314333472 | Price to Sales(TTM) 2.73 |
Enterprise Value 314333472 | Price to Sales(TTM) 2.73 | ||
Enterprise Value to Revenue 4.14 | Enterprise Value to EBITDA - | Shares Outstanding 17443400 | Shares Floating 16180187 |
Shares Outstanding 17443400 | Shares Floating 16180187 | ||
Percent Insiders 4.29 | Percent Institutions 58.82 |
Upturn AI SWOT
Colony Bankcorp Inc.
Company Overview
History and Background
Colony Bankcorp, Inc. was founded in 1975 and is headquartered in Fitzgerald, Georgia. It operates as the bank holding company for Colony Bank, providing a range of banking services to individuals and businesses primarily in South Georgia.
Core Business Areas
- Commercial Banking: Offers lending products like commercial real estate loans, equipment loans, and lines of credit to businesses. Also provides deposit accounts and cash management services.
- Retail Banking: Provides personal banking services including checking and savings accounts, mortgage loans, auto loans, and credit cards.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
T. Heath Fountain serves as the Chief Executive Officer. The company has a board of directors overseeing its strategic direction and management team.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not publicly available at this granular level. Competitors include larger regional and national banks like Truist, Bank of America, and local community banks.
- Mortgage Loans: Loans for residential real estate purchases. Market share data is not publicly available at this granular level. Competitors include Wells Fargo, JPMorgan Chase, and smaller mortgage lenders.
- Small Business Loans: Loans designed to finance small business needs. Market share data is not publicly available at this granular level. Competitors include Synovus, Ameris Bank and online lenders.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is also a continuing trend.
Positioning
Colony Bankcorp Inc. is a community bank focused on serving the needs of South Georgia. It competes with larger regional and national banks, as well as other community banks. Their competitive advantage is local knowledge and customer service.
Total Addressable Market (TAM)
The total addressable market for banking services in South Georgia is estimated to be in the billions of dollars. Colony Bankcorp Inc. is positioned to capture a portion of this market through its branch network and digital banking platform.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Experienced management team
- Solid asset quality
- Diversified loan portfolio
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger competitors
- Reliance on traditional banking model
- Concentration of operations in South Georgia
Opportunities
- Expansion into new markets within Georgia
- Increased adoption of digital banking services
- Acquisition of smaller banks
- Growth in wealth management business
Threats
- Competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- SNV
- ABCB
- BXS
Competitive Landscape
Colony Bankcorp Inc. competes primarily with regional and national banks, as well as other community banks. Its advantages include local market knowledge and customer service, while its disadvantages include smaller scale and limited geographic footprint.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would require access to historical data. This would need to be populated with actual values.
Future Projections: Future projections would require access to analyst estimates. This would need to be populated with actual values.
Recent Initiatives: Recent strategic initiatives undertaken by Colony Bankcorp Inc. would be expansion efforts and product diversification to meet current market demands.
Summary
Colony Bankcorp Inc. is a community bank with a strong local presence but faces challenges from larger competitors and economic uncertainty. Its strengths include customer relationships and a diversified loan portfolio. Future growth will depend on expansion, digital adoption, and strategic acquisitions, while economic downturns and regulatory burdens pose threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, market research reports, analyst estimates, company website
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market share data is estimated and may not be precise. Financial data needs to be updated.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Industry Banks - Regional | Full time employees 443 | Website https://colony.bank |
Full time employees 443 | Website https://colony.bank | ||
Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to retail and commercial customers in the United States. It operates through Bank, Mortgage Banking, and Small Business Specialty Lending Division segments. The company offers deposit products, including checking, savings, money market, and other deposit options; and treasury solutions, merchant services, and other financial tools that support businesses in managing cash flow and operational efficiency. 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; consumer loans; and small business administration and other government guaranteed 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. Colony Bankcorp, Inc. was founded in 1975 and is headquartered in Fitzgerald, Georgia.
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