Colony Bankcorp Financials

CBAN Stock  USD 17.41  0.21  1.19%   
Based on the analysis of Colony Bankcorp's profitability, liquidity, and operating efficiency, Colony Bankcorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Colony Bankcorp's Non Current Assets Total are very stable compared to the past year. As of the 29th of November 2024, Non Currrent Assets Other is likely to grow to about 2.1 B, while Property Plant And Equipment Net is likely to drop about 26.8 M. Key indicators impacting Colony Bankcorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.210.1353
Way Up
Very volatile
Return On Assets0.00670.0071
Notably Down
Slightly volatile
Return On Equity0.08790.0853
Fairly Up
Slightly volatile
Debt Equity Ratio0.640.6607
Sufficiently Down
Very volatile
Operating Income20 M27.2 M
Way Down
Slightly volatile
Current Ratio0.270.28
Sufficiently Down
Very volatile
Investors should never underestimate Colony Bankcorp's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Colony Bankcorp's cash flow, debt, and profitability to make informed and accurate decisions about investing in Colony Bankcorp.

Net Income

22.83 Million

  
Understanding current and past Colony Bankcorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Colony Bankcorp's financial statements are interrelated, with each one affecting the others. For example, an increase in Colony Bankcorp's assets may result in an increase in income on the income statement.

Colony Bankcorp Stock Summary

Colony Bankcorp competes with Home Federal, First Financial, First Northwest, First Capital, and Community West. Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and consumer customers. The company was founded in 1975 and is headquartered in Fitzgerald, Georgia. Colony Bankcorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 486 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS19623P1012
CUSIP19623P101
LocationGeorgia; U.S.A
Business Address115 South Grant
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.colonybank.com
Phone229 426 6000
CurrencyUSD - US Dollar

Colony Bankcorp Key Financial Ratios

Colony Bankcorp Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.5B1.8B2.7B2.9B3.1B3.2B
Net Debt(16.7M)(123.2M)(108.8M)182.8M213.1M223.8M
Retained Earnings77.0M85.0M99.2M111.6M124.4M130.6M
Cash102.5M183.5M197.2M20.6M25.3M24.1M
Other Assets662.6M764.9M489.7M1.5B10.4M9.9M
Total Liab1.4B1.6B2.5B2.7B2.8B2.9B
Total Current Assets449.8M564.3M1.1B453.1M83.3M79.2M
Short Term Debt4M5M5.3M120.4M70.6M35.8M
Other Liab4.7M6.9M10.3M10.1M11.6M5.8M
Accounts Payable1.3B1.4B2.4B2.5B2.9B3.0B
Long Term Debt85.8M167.1M88.4M203.4M238.4M250.4M
Inventory1.3M1.0M281K651K585.9K556.6K
Good Will16.5M16.0M52.9M48.9M56.3M59.1M
Other Current Assets105.4M184.5M197.5M81.3M96.9M92.0M
Intangible Assets19.5M2.3M8.7M5.7M4.2M2.9M
Other Current Liab10.5M664.6M(5.3M)1.7B1.8B1.9B
Net Tangible Assets111.0M126.2M156.1M175.7M202.0M112.3M
Long Term Debt Total85.8M144.6M36.8M78.4M90.1M65.7M
Capital Surpluse43.7M43.2M111.0M167.5M192.7M202.3M

Colony Bankcorp Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense12.6M7.9M4.4M10.9M46.7M49.0M
Total Revenue62.6M79.5M102.5M115.7M160.7M168.8M
Gross Profit62.6M79.5M102.5M115.7M160.7M168.8M
Operating Income12.6M14.6M23.2M33.7M27.2M20.0M
Ebit12.6M17.4M27.9M30.1M27.2M20.1M
Ebitda15.3M20.5M31.8M34.5M31.1M22.5M
Income Before Tax12.6M14.6M23.2M22.9M27.2M28.6M
Net Income10.2M11.8M18.7M19.5M21.7M22.8M
Income Tax Expense2.4M2.8M4.5M3.3M5.5M5.7M
Tax Provision2.4M2.8M4.5M3.3M5.5M4.4M
Net Interest Income47.6M55.2M66.2M80.6M78.2M59.0M
Interest Income60.3M63.1M70.6M91.5M124.9M72.6M

Colony Bankcorp Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash43.9M79.4M13.7M(116.6M)2.6M2.8M
Free Cash Flow448K(23.3M)30.3M46.8M22.5M12.7M
Depreciation2.7M5.9M8.6M11.6M3.9M3.9M
Other Non Cash Items(9.9M)(41.7M)19.7M22.3M2.4M2.5M
Dividends Paid2.7M3.8M4.5M7.2M7.7M8.1M
Capital Expenditures3.5M4.2M5.8M2.9M3.6M2.9M
Net Income10.2M11.8M18.7M19.5M21.7M22.8M
End Period Cash Flow104.1M183.5M197.2M80.7M83.3M66.1M
Investments6.9M(130.3M)(239.5M)(450.2M)(98.8M)(103.7M)
Net Borrowings14.6M81.3M(107.8M)114.0M131.1M137.7M
Change To Netincome(10.1M)(37.4M)14.6M25.6M23.1M24.2M

Colony Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Colony Bankcorp's current stock value. Our valuation model uses many indicators to compare Colony Bankcorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Colony Bankcorp competition to find correlations between indicators driving Colony Bankcorp's intrinsic value. More Info.
Colony Bankcorp is rated fourth in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.08  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Colony Bankcorp is roughly  11.89 . At this time, Colony Bankcorp's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Colony Bankcorp's earnings, one of the primary drivers of an investment's value.

Colony Bankcorp Systematic Risk

Colony Bankcorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Colony Bankcorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Colony Bankcorp correlated with the market. If Beta is less than 0 Colony Bankcorp generally moves in the opposite direction as compared to the market. If Colony Bankcorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Colony Bankcorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Colony Bankcorp is generally in the same direction as the market. If Beta > 1 Colony Bankcorp moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Colony Bankcorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Colony Bankcorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Colony Bankcorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.75

At this time, Colony Bankcorp's Price Earnings To Growth Ratio is very stable compared to the past year.

Colony Bankcorp November 29, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Colony Bankcorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Colony Bankcorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Colony Bankcorp based on widely used predictive technical indicators. In general, we focus on analyzing Colony Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Colony Bankcorp's daily price indicators and compare them against related drivers.
When determining whether Colony Bankcorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Colony Bankcorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Colony Bankcorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Colony Bankcorp Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Colony Bankcorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in nation.
To learn how to invest in Colony Stock, please use our How to Invest in Colony Bankcorp guide.
You can also try the Idea Analyzer module to analyze all characteristics, volatility and risk-adjusted return of Macroaxis ideas.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Colony Bankcorp. If investors know Colony will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Colony Bankcorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.03)
Dividend Share
0.448
Earnings Share
1.26
Revenue Per Share
6.202
Quarterly Revenue Growth
(0.02)
The market value of Colony Bankcorp is measured differently than its book value, which is the value of Colony that is recorded on the company's balance sheet. Investors also form their own opinion of Colony Bankcorp's value that differs from its market value or its book value, called intrinsic value, which is Colony Bankcorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Colony Bankcorp's market value can be influenced by many factors that don't directly affect Colony Bankcorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Colony Bankcorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Colony Bankcorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Colony Bankcorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.