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Company Analysis

Colony Bankcorp, Inc. CBAN

A comprehensive view of key metrics, scores, and financial health for Colony Bankcorp, Inc.

Overview of Colony Bankcorp, Inc.

CBAN NYQ
Financial Services Banks - Regional Small Cap
Colony Bankcorp, Inc. (CBAN), is a Small Cap company, in the Banks - Regional industry, last closed at $19.33, about 13.6% overvalued vs fair value, +20.4% 1Y return, ranked 451/1004 in sector.
$19.33
-0.36%
As of March 13, 2026
Previous close • Vol 90d: 23.1%
52-Week Range
Market Cap
$411.23M
Enterprise Value
$568.93M
Overall Score
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Top Beats

Quick Facts

Website https://colony.bank
HQ Fitzgerald, GA
Employees 526
Fiscal year Dec 31

Next Events

Earnings Apr 29 Estimated

Fair Value Snapshot

Bear Base Bull
$9
$17
$31
Current: $19.33 -14% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$137.2M
9.9%%
Interest Expense
$58.1M
Net Interest Income
$76.1M
-2.8%%
Total Revenue
$186.1M
61.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.6%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$9.2M
38.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Colony Bankcorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
48
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
60
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CBAN's balance between Growth (43.8%), Profitability (26.3%), and Safety (29.9%). Growth 44% Safety 30% Profitability 26%

Click axes to expand details. Marker shows current allocation.

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Growth

63th percentile vs peers
63
Key Signals
Asset Growth YoY 20.1% 90p Rev Growth YoY 61.2% 55p Revenue CAGR 3Y 17.2% 45p
Strengths
  • Asset Growth Yoy in top 20% of peers (20.1%, 90th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

38th percentile vs peers
38
Key Signals
Strengths
Risks
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Safety

43th percentile vs peers
43
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Colony Bankcorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$16.71
- - -
-13.6% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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