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Upturn AI SWOT - About
CBAN 
Colony Bankcorp Inc. (CBAN)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/28/2025: CBAN (1-star) is currently NOT-A-BUY. Pass it for now.
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 27.89% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 291.60M USD | Price to earnings Ratio 10.4 | 1Y Target Price 19.75 |
Price to earnings Ratio 10.4 | 1Y Target Price 19.75 | ||
Volume (30-day avg) 2 | Beta 0.66 | 52 Weeks Range 13.79 - 18.41 | Updated Date 10/28/2025 |
52 Weeks Range 13.79 - 18.41 | Updated Date 10/28/2025 | ||
Dividends yield (FY) 2.74% | Basic EPS (TTM) 1.59 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 0.47 | Actual 0.47 |
Profitability
Profit Margin 22.72% | Operating Margin (TTM) 25.12% |
Management Effectiveness
Return on Assets (TTM) 0.9% | Return on Equity (TTM) 9.63% |
Valuation
Trailing PE 10.4 | Forward PE 11 | Enterprise Value 336952640 | Price to Sales(TTM) 2.38 |
Enterprise Value 336952640 | Price to Sales(TTM) 2.38 | ||
Enterprise Value to Revenue 3.9 | Enterprise Value to EBITDA - | Shares Outstanding 17461284 | Shares Floating 16176483 |
Shares Outstanding 17461284 | Shares Floating 16176483 | ||
Percent Insiders 4.43 | Percent Institutions 60.23 |
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, offering a range of banking and financial services.
Core Business Areas
- Community Banking: Offers traditional banking services, including checking and savings accounts, loans, and other financial products to individuals and businesses in its service area.
- Commercial Lending: Provides commercial loans to businesses for various purposes, such as working capital, equipment financing, and real estate development.
- Mortgage Lending: Originates and services residential mortgage loans.
Leadership and Structure
The leadership team includes Heath Fountain (CEO). The organizational structure is typical of a bank holding company, with various departments overseeing different aspects of banking operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans comprise a significant portion of Colony Bank's loan portfolio. Market share data is difficult to pinpoint without proprietary information, but they compete with other regional and national banks in their market. Competitors: Synovus, Ameris Bank
- Residential Mortgages: Offers various residential mortgage products. Specific market share is not publicly available. Competitors: major national mortgage lenders, regional banks
- Checking and Savings Accounts: These accounts are fundamental banking products. Market share depends on the specific geographic region they serve. Competitors: all local and regional banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increased competition from fintech companies.
Positioning
Colony Bank positions itself as a community-focused bank providing personalized service to its customers. Its competitive advantage lies in its local presence and relationships.
Total Addressable Market (TAM)
The TAM for community banking in the Southeast US is estimated in the hundreds of billions. Colony Bankcorp Inc. aims to capture a larger share through strategic growth and service offerings.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Relationship-based banking approach
Weaknesses
- Limited geographic footprint
- Smaller size compared to national banks
- Dependence on local economy
- Lower brand recognition compared to larger institutions
Opportunities
- Expansion into new markets
- Increased demand for community banking services
- Partnerships with fintech companies
- Acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- SYBT
- AMER
- CVBK
Competitive Landscape
Colony Bank's competitive advantage lies in its community focus and personalized service, but it faces challenges from larger banks with more resources.
Growth Trajectory and Initiatives
Historical Growth: Growth trends depend on recent financial performance.
Future Projections: Future projections would be based on analyst estimates, requiring separate research.
Recent Initiatives: Recent strategic initiatives include expansion within Georgia and organic loan growth
Summary
Colony Bankcorp Inc. is a community-focused bank with strong local relationships. It faces competition from larger regional and national banks and fintech firms. Organic loan growth and efficient expense management will be crucial for improving financial health and increasing its market share in the face of economic uncertainty and regulatory changes. Geographic expansion and enhanced service offerings could offer future avenues for growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Market Data
Disclaimers:
This analysis is based on limited publicly available information and does not constitute financial advice. Market share data are 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 460 | Website https://colony.bank |
Full time employees 460 | 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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