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Colony Bankcorp Inc. (CBAN)

Upturn stock ratingUpturn stock rating
$16.47
Last Close (24-hour delay)
Profit since last BUY0%
upturn advisory
Consider higher Upturn Star rating
BUY since 1 day
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Upturn Advisory Summary

06/30/2025: CBAN (1-star) has a low Upturn Star Rating. Not recommended to BUY.

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

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $19

1 Year Target Price $19

Analysts Price Target For last 52 week
$19Target price
Low$11.58
Current$16.47
high$18.23

Analysis of Past Performance

Type Stock
Historic Profit 39.29%
Avg. Invested days 51
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
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 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 288.34M USD
Price to earnings Ratio 11.48
1Y Target Price 19
Price to earnings Ratio 11.48
1Y Target Price 19
Volume (30-day avg) 2
Beta 0.6
52 Weeks Range 11.58 - 18.23
Updated Date 06/30/2025
52 Weeks Range 11.58 - 18.23
Updated Date 06/30/2025
Dividends yield (FY) 2.78%
Basic EPS (TTM) 1.44

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 22.11%
Operating Margin (TTM) 29.04%

Management Effectiveness

Return on Assets (TTM) 0.81%
Return on Equity (TTM) 9.2%

Valuation

Trailing PE 11.48
Forward PE 11
Enterprise Value 315380064
Price to Sales(TTM) 2.53
Enterprise Value 315380064
Price to Sales(TTM) 2.53
Enterprise Value to Revenue 4.04
Enterprise Value to EBITDA -
Shares Outstanding 17443400
Shares Floating 16180187
Shares Outstanding 17443400
Shares Floating 16180187
Percent Insiders 4.29
Percent Institutions 58.82

Analyst Ratings

Rating 2
Target Price 19
Buy -
Strong Buy 1
Buy -
Strong Buy 1
Hold 1
Sell -
Strong Sell -
Strong Sell -

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 operates as the bank holding company for Colony Bank, providing a range of banking services to individuals and businesses primarily in South Georgia.

business area logo Core Business Areas

  • Commercial Banking: Offers lending products like commercial real estate loans, equipment loans, and lines of credit to businesses. Also provides deposit accounts and cash management services.
  • Retail Banking: Provides personal banking services including checking and savings accounts, mortgage loans, auto loans, and credit cards.
  • Wealth Management: Offers wealth management and trust services to individuals and families.

leadership logo Leadership and Structure

T. Heath Fountain serves as the Chief Executive Officer. The company has a board of directors overseeing its strategic direction and management team.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not publicly available at this granular level. Competitors include larger regional and national banks like Truist, Bank of America, and local community banks.
  • Mortgage Loans: Loans for residential real estate purchases. Market share data is not publicly available at this granular level. Competitors include Wells Fargo, JPMorgan Chase, and smaller mortgage lenders.
  • Small Business Loans: Loans designed to finance small business needs. Market share data is not publicly available at this granular level. Competitors include Synovus, Ameris Bank and online lenders.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is also a continuing trend.

Positioning

Colony Bankcorp Inc. is a community bank focused on serving the needs of South Georgia. It competes with larger regional and national banks, as well as other community banks. Their competitive advantage is local knowledge and customer service.

Total Addressable Market (TAM)

The total addressable market for banking services in South Georgia is estimated to be in the billions of dollars. Colony Bankcorp Inc. is positioned to capture a portion of this market through its branch network and digital banking platform.

Upturn SWOT Analysis

Strengths

  • Strong local presence and customer relationships
  • Experienced management team
  • Solid asset quality
  • Diversified loan portfolio

Weaknesses

  • Limited geographic footprint
  • Smaller scale compared to larger competitors
  • Reliance on traditional banking model
  • Concentration of operations in South Georgia

Opportunities

  • Expansion into new markets within Georgia
  • Increased adoption of digital banking services
  • Acquisition of smaller banks
  • Growth in wealth management business

Threats

  • Competition from larger banks and fintech companies
  • Economic downturn
  • Rising interest rates
  • Increased regulatory burden

Competitors and Market Share

competitor logo Key Competitors

  • SNV
  • ABCB
  • BXS

Competitive Landscape

Colony Bankcorp Inc. competes primarily with regional and national banks, as well as other community banks. Its advantages include local market knowledge and customer service, while its disadvantages include smaller scale and limited geographic footprint.

Growth Trajectory and Initiatives

Historical Growth: Historical growth trends would require access to historical data. This would need to be populated with actual values.

Future Projections: Future projections would require access to analyst estimates. This would need to be populated with actual values.

Recent Initiatives: Recent strategic initiatives undertaken by Colony Bankcorp Inc. would be expansion efforts and product diversification to meet current market demands.

Summary

Colony Bankcorp Inc. is a community bank with a strong local presence but faces challenges from larger competitors and economic uncertainty. Its strengths include customer relationships and a diversified loan portfolio. Future growth will depend on expansion, digital adoption, and strategic acquisitions, while economic downturns and regulatory burdens pose threats.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings, market research reports, analyst estimates, company website

Disclaimers:

This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market share data is estimated and may not be precise. Financial data needs to be updated.

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 443
Full time employees 443

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.