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Upturn AI SWOT - About
CBAN 
Colony Bankcorp Inc. (CBAN)
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Upturn Advisory Summary
08/07/2025: CBAN (1-star) is a SELL. SELL since 1 days. Profits (-2.63%). Updated daily EoD!
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 35.53% | Avg. Invested days 55 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/07/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 279.73M USD | Price to earnings Ratio 10.2 | 1Y Target Price 19.75 |
Price to earnings Ratio 10.2 | 1Y Target Price 19.75 | ||
Volume (30-day avg) 2 | Beta 0.66 | 52 Weeks Range 12.63 - 18.10 | Updated Date 08/7/2025 |
52 Weeks Range 12.63 - 18.10 | Updated Date 08/7/2025 | ||
Dividends yield (FY) 2.83% | Basic EPS (TTM) 1.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-23 | When After Market | Estimate 0.41 | Actual 0.46 |
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 10.2 | Forward PE 11 | Enterprise Value 415666720 | Price to Sales(TTM) 2.36 |
Enterprise Value 415666720 | Price to Sales(TTM) 2.36 | ||
Enterprise Value to Revenue 4.35 | Enterprise Value to EBITDA - | Shares Outstanding 17461000 | Shares Floating 16156169 |
Shares Outstanding 17461000 | Shares Floating 16156169 | ||
Percent Insiders 4.46 | Percent Institutions 58.94 |
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 organically and through acquisitions to become a leading community bank in South Georgia.
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 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
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
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
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.
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 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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