Colony Bankcorp Inc. (CBAN) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Colony Bankcorp Inc. stock (CBAN) is currently trading at $19.66. Colony Bankcorp Inc. PE ratio is 11.97. Colony Bankcorp Inc. PS ratio (Price-to-Sales) is 3.17. Analyst consensus price target for CBAN is $22.00. WallStSmart rates CBAN as Hold.
- CBAN PE ratio analysis and historical PE chart
- CBAN PS ratio (Price-to-Sales) history and trend
- CBAN intrinsic value — DCF, Graham Number, EPV models
- CBAN stock price prediction 2025 2026 2027 2028 2029 2030
- CBAN fair value vs current price
- CBAN insider transactions and insider buying
- Is CBAN undervalued or overvalued?
- Colony Bankcorp Inc. financial analysis — revenue, earnings, cash flow
- CBAN Piotroski F-Score and Altman Z-Score
- CBAN analyst price target and Smart Rating
Colony Bankcorp Inc.
📊 No data available
Try selecting a different time range
CBAN Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Colony Bankcorp Inc. (CBAN)
CBAN trades 90% above its Graham fair value of $10.81, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Colony Bankcorp Inc. (CBAN) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around return on equity and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Colony Bankcorp Inc. (CBAN) Key Strengths (4)
Keeps $31 of every $100 in revenue after operating costs
Keeps $22 of every $100 in revenue as net profit
Trading at 1.07x book value, attractively priced
56.52% held by institutions, strong professional interest
Supporting Valuation Data
Colony Bankcorp Inc. (CBAN) Areas to Watch (6)
Earnings declining -0.30%, profits shrinking
Low profitability relative to shareholder equity
Paying a premium for growth, expensive relative to earnings expansion
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.17x sales
Solid revenue growth at 17.00% per year
Colony Bankcorp Inc. (CBAN) Detailed Analysis Report
Overall Assessment
This company scores 60/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.0/10) while 6 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.07) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 30.90%, Profit Margin at 22.10%.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, PEG Ratio. Some valuation metrics including PEG Ratio (2.11), Price/Sales (3.17) suggest expensive pricing. Growth concerns include Revenue Growth at 17.00%, EPS Growth at -0.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.63%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.63% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 17.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (EPS Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CBAN Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CBAN's Price-to-Sales ratio of 3.17x sits near its historical average of 3.05x (57th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 54% below its historical high of 6.92x set in Oct 2018, and 411% above its historical low of 0.62x in Nov 2011.
WallStSmart Analysis Synopsis
Data-driven financial summary for Colony Bankcorp Inc. (CBAN) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Colony Bankcorp Inc. is a strong growth company balancing expansion with improving profitability. Revenue reached 128M with 17% growth year-over-year. Profit margins are strong at 22.1%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 863.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 22.1% and operating margin of 30.9% demonstrate strong pricing power and operational efficiency.
Free cash flow is -55M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Dividend sustainability with a current yield of 237.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Colony Bankcorp Inc..
Bottom Line
Colony Bankcorp Inc. offers an attractive blend of growth (17% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Loading insider activity...
About Colony Bankcorp Inc.(CBAN)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Colony Bankcorp, Inc. is the banking holding company for Colony Bank offering various banking products and services to business clients and consumers. The company is headquartered in Fitzgerald, Georgia.