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Colony Bankcorp Inc. (CBAN)

Upturn stock ratingUpturn stock rating
$17.09
Last Close (24-hour delay)
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PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

08/28/2025: CBAN (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$19.75 Target price
52w Low $13.79
Current$17.09
52w High $18.1

Analysis of Past Performance

Type Stock
Historic Profit 35.53%
Avg. Invested days 55
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 298.42M USD
Price to earnings Ratio 10.89
1Y Target Price 19.75
Price to earnings Ratio 10.89
1Y Target Price 19.75
Volume (30-day avg) 2
Beta 0.66
52 Weeks Range 13.79 - 18.10
Updated Date 08/28/2025
52 Weeks Range 13.79 - 18.10
Updated Date 08/28/2025
Dividends yield (FY) 2.66%
Basic EPS (TTM) 1.57

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 10.89
Forward PE 11
Enterprise Value 434906656
Price to Sales(TTM) 2.52
Enterprise Value 434906656
Price to Sales(TTM) 2.52
Enterprise Value to Revenue 3.97
Enterprise Value to EBITDA -
Shares Outstanding 17461400
Shares Floating 16156003
Shares Outstanding 17461400
Shares Floating 16156003
Percent Insiders 4.43
Percent Institutions 59.82

ai summary icon Upturn AI SWOT

Colony Bankcorp Inc.

stock logo

Company Overview

overview logo History and Background

Colony Bankcorp, Inc. was founded in 1975 and is headquartered in Fitzgerald, Georgia. It has grown organically and through acquisitions to become a leading community bank in South Georgia.

business area logo Core Business Areas

  • Commercial Banking: Offers a range of commercial banking services, including loans, deposit accounts, and cash management solutions for businesses.
  • Retail Banking: Provides traditional retail banking services such as checking and savings accounts, mortgages, and personal loans to individuals and families.
  • Wealth Management: Offers financial planning, investment management, and trust services to individuals and families.

leadership logo Leadership and Structure

Heath Fountain serves as Chief Executive Officer. The company operates with a board of directors overseeing management and strategy.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Loans to businesses for working capital, equipment, and real estate. Competitors include other regional and national banks like Ameris Bank and Synovus. Market share data is not publicly available with specificity at this granular level.
  • Mortgages: Residential mortgages for home purchases and refinancing. Competitors include national mortgage lenders and other community banks. Market share data is not publicly available with specificity at this granular level.
  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include all banks offering deposit services. Market share data is not publicly available with specificity at this granular level.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges from rising interest rates, inflation, and increased competition from fintech companies. Regulatory scrutiny remains high.

Positioning

Colony Bankcorp is a community-focused bank primarily operating in South Georgia. Its competitive advantage lies in its local presence and relationships, providing personalized service.

Total Addressable Market (TAM)

The TAM for community banking in South Georgia is estimated to be in the billions. Colony Bankcorp aims to capture a significant portion through organic growth and strategic acquisitions.

Upturn SWOT Analysis

Strengths

  • Strong local presence and relationships
  • Experienced management team
  • Diversified product offerings
  • Solid financial performance

Weaknesses

  • Limited geographic reach
  • Smaller scale compared to national banks
  • Dependence on the South Georgia economy

Opportunities

  • Expansion into new markets
  • Increased demand for digital banking services
  • Strategic acquisitions of smaller banks
  • Growth in wealth management services

Threats

  • Rising interest rates
  • Increased competition from fintech companies
  • Economic downturn in South Georgia
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • AMER
  • SNV
  • FFCH

Competitive Landscape

Colony Bankcorp competes with larger regional banks and smaller community banks. Its advantages include strong local relationships and personalized service, but it lacks the scale and resources of larger competitors.

Growth Trajectory and Initiatives

Historical Growth: Requires historical financial data to assess growth trends.

Future Projections: Future projections are based on analyst estimates and market conditions, but the data needs to be added.

Recent Initiatives: Highlighting recent initiatives requires current news and company announcements.

Summary

Colony Bankcorp is a community bank with deep roots in South Georgia. Its strengths lie in its local presence and customer relationships. However, its limited geographic reach and smaller scale present challenges in a competitive landscape. Expansion and adaptation to digital banking are key to future growth.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company website, SEC filings (where available)
  • Publicly available financial news and information sources

Disclaimers:

This analysis is based on limited publicly available information and general industry knowledge. Specific financial data may vary. This is not financial advice.

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
Industry Banks - Regional
Full time employees 467
Full time employees 467

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.