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Upturn AI SWOT - About
CBAN 
Colony Bankcorp Inc. (CBAN)
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Upturn Advisory Summary
09/16/2025: CBAN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $19.75
1 Year Target Price $19.75
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 36.25% | Avg. Invested days 49 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 304.00M USD | Price to earnings Ratio 11.11 | 1Y Target Price 19.75 |
Price to earnings Ratio 11.11 | 1Y Target Price 19.75 | ||
Volume (30-day avg) 2 | Beta 0.67 | 52 Weeks Range 13.79 - 18.10 | Updated Date 09/15/2025 |
52 Weeks Range 13.79 - 18.10 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 2.61% | Basic EPS (TTM) 1.55 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.33% | Operating Margin (TTM) 31.31% |
Management Effectiveness
Return on Assets (TTM) 0.9% | Return on Equity (TTM) 9.9% |
Valuation
Trailing PE 11.11 | Forward PE 11 | Enterprise Value 437176640 | Price to Sales(TTM) 2.56 |
Enterprise Value 437176640 | Price to Sales(TTM) 2.56 | ||
Enterprise Value to Revenue 4.01 | Enterprise Value to EBITDA - | Shares Outstanding 17461400 | Shares Floating 16156003 |
Shares Outstanding 17461400 | Shares Floating 16156003 | ||
Percent Insiders 4.43 | Percent Institutions 60.25 |
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 has grown to become a community-focused financial institution serving central and south Georgia. It has expanded through organic growth and strategic acquisitions.
Core Business Areas
- Community Banking: Offers a range of traditional banking services including deposit accounts, loans, and other financial products to individuals and businesses.
- Commercial Lending: Provides commercial real estate lending, equipment financing, and other commercial loans to businesses within its market area.
- Wealth Management: Offers wealth management and trust services through its subsidiary.
Leadership and Structure
The leadership team consists of Heath Fountain (CEO), and other key executives overseeing various departments. The organizational structure is typical of a community bank, with regional and departmental divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a major revenue generator. Market share data is not publicly available on a granular level, but the market includes national banks like Truist and regional players like Ameris Bank.
- Market Share (%): Market share data is not publicly available on a granular level, but the market includes national banks like Truist and regional players like Ameris Bank.
- Residential Mortgages: Offerings in real-estate sector. The competitors in this sector are Bank of America, Wells Fargo, and Chase.
- Deposit Accounts: Savings, checking and other deposit accounts. The competitors in this sector are Bank of America, Wells Fargo, and Chase.
- Market Share (%): Market share data is not publicly available.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, facing challenges from fintech companies and fluctuating interest rates. Community banks play a vital role in local economies.
Positioning
Colony Bankcorp is positioned as a community-focused bank that emphasizes personal service and local expertise. Its competitive advantage lies in its strong relationships with customers and understanding of the local market.
Total Addressable Market (TAM)
The TAM is the total banking market in central and south Georgia. Colony Bankcorp targets small to medium sized businesses and retail clients in this region. The TAM can be estimated based on aggregate deposit and loan data for the region. Actual TAM data would require detailed market research.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Strong customer relationships
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Reliance on traditional banking services
Opportunities
- Expansion into new markets within Georgia
- Increased adoption of digital banking technologies
- Growth in commercial lending
- Acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- Truist Financial Corporation (TFC)
- Ameris Bancorp (ABCB)
- Synovus Financial Corp. (SNV)
Competitive Landscape
Colony Bankcorp competes with larger regional and national banks, as well as smaller community banks. Its advantage lies in its local expertise and personal service, but it faces challenges from larger banks with greater resources and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Colony Bankcorp has historically grown through organic expansion and strategic acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion into new markets, increased adoption of digital banking, and growth in commercial lending. Analyst estimates are not readily available without a subscription.
Recent Initiatives: Recent initiatives include investments in technology to enhance digital banking capabilities and expansion of its commercial lending team.
Summary
Colony Bankcorp is a community-focused bank with a strong local presence in central and south Georgia. Its strengths lie in its customer relationships and local expertise. However, its smaller size and limited geographic diversification present challenges. Expansion into new markets and investments in technology could drive future growth, but increased competition and economic uncertainty pose potential threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Third-Party Financial Data Providers
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise.
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, CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 467 | Website https://colony.bank |
Full time employees 467 | 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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