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Colony Bankcorp Inc (CBAN)CBAN
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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 | Today’s Advisory: WEAK BUY |
Historic Profit: 37.32% | Upturn Advisory Performance 3 | Avg. Invested days: 59 |
Profits based on simulation | Stock 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 | Stock Returns Performance 3 |
Profits based on simulation Last Close 11/04/2024 | Upturn Advisory Performance 3 |
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.
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 | 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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