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Upturn AI Summary - About
Colony Bankcorp Inc.(CBAN)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CBAN
11/13/2026: CBAN (1-star) is currently NOT-A-BUY. Pass it for now.
Colony Bankcorp is a Georgia-based regional bank holding company offering commercial and consumer financial services. The company's main strengths lie in its deep-rooted community brand and a diversified revenue model that includes specialized lending. Its primary growth story revolves around strategic regional acquisitions and digital service enhancements. However, the bank faces risks from intense competition with larger national institutions, regional economic concentration, and margin pressure in fluctuating interest rate environments. It may suit value-oriented and dividend-seeking investors looking for regional financial exposure, though performance depends heavily on successfully navigating competitive pressures and maintaining asset quality within the Georgia market.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely driven by M&A rather than rapid organic innovation. |
| Momentum investor | Mixed fit | Stock performance is highly sensitive to broader regional banking sector trends and interest rate news. |
| Value investor | Strong fit | Community banks often trade at valuations based on tangible book value that may attract value-focused investors. |
| Dividend investor | Strong fit | The company maintains a commitment to consistent dividend payments for shareholders. |
| Low-risk investor | Mixed fit | Banking stocks involve inherent risks related to economic cycles and credit quality. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can be sensitive to macroeconomic announcements and banking sector sentiment. |
| Valuation risk | Medium | Pricing is influenced by book value multiples and regional interest rate expectations. |
| Competition risk (Regional Banking) | High | Competition from larger, well-capitalized institutions can pressure margins. |
| Business quality | Medium | The franchise quality is stable but restricted by its regional footprint. |
| Dividend income | Medium | Payouts depend on the company's sustained profitability and capital adequacy. |
| Execution risk | Medium | Successfully integrating future acquisitions is key to maintaining long-term growth. |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 554.12M USD | Price to earnings Ratio 11.09 | 1Y Target Price 25.12 |
Price to earnings Ratio 11.09 | 1Y Target Price 25.12 | ||
Volume (30-day avg) 135.4K shares | Beta 0.56 | 52 Weeks Range 15.64 - 22.33 | Updated Date 11/13/2026 |
52 Weeks Range 15.64 - 22.33 | Updated Date 11/13/2026 | ||
Dividends yield (FY) 2.33% | Basic EPS (TTM) 1.83 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Banks - Regional
- BUY participation
- 53.8%
- Active BUY / eligible
- 21 / 39
- 30-Day BUY Count Change
- +20
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 41.36% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/13/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Interest Income | Interest earned on commercial, consumer, and mortgage loans. | The bank earns most of its money from the 'spread' between interest collected on loans and interest paid on deposits. |
| Non-Interest Income | Service fees, mortgage banking fees, and insurance premium finance fees. | This provides supplemental revenue that is less dependent on interest rate fluctuations. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-28 | When After Market | Estimate 0.52 | Actual 0.54 |
Profitability
Profit Margin 24.35% | Operating Margin (TTM) 33.42% |
Management Effectiveness
Return on Assets (TTM) 1.1% | Return on Equity (TTM) 10.78% |
Valuation
Trailing PE 11.09 | Forward PE 11 | Enterprise Value 627.24M | Price to Sales(TTM) 3.6 |
Enterprise Value 627.24M | Price to Sales(TTM) 3.6 | ||
Enterprise Value to Revenue 5.08 | Enterprise Value to EBITDA - | Shares Outstanding 27.30M | Shares Floating 26.35M |
Shares Outstanding 27.30M | Shares Floating 26.35M | ||
Percent Insiders 3.18 | Percent Institutions 51.34 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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