Colony Bankcorp Valuation
| CBAN Stock | USD 20.89 0.18 0.85% |
At this time, the firm appears to be undervalued. Colony Bankcorp shows a prevailing Real Value of $22.64 per share. The current price of the firm is $20.89. Our model approximates the value of Colony Bankcorp from analyzing the firm fundamentals such as Profit Margin of 0.22 %, current valuation of 448.23 M, and Return On Equity of 0.0863 as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Colony Bankcorp's valuation include:
Undervalued
Today
Please note that Colony Bankcorp's price fluctuation is very steady at this time. Calculation of the real value of Colony Bankcorp is based on 3 months time horizon. Increasing Colony Bankcorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Colony Bankcorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Colony Stock. However, Colony Bankcorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 20.89 | Real 22.64 | Target 22.0 | Hype 20.87 |
The intrinsic value of Colony Bankcorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Colony Bankcorp's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Colony Bankcorp helps investors to forecast how Colony stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Colony Bankcorp more accurately as focusing exclusively on Colony Bankcorp's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Colony Bankcorp's intrinsic value based on its ongoing forecasts of Colony Bankcorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Colony Bankcorp's closest peers.
Colony Bankcorp Cash |
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Colony Revenue by Product
Colony Bankcorp Total Value Analysis
Colony Bankcorp is currently forecasted to have valuation of 448.23 M with market capitalization of 448.25 M, debt of 248.04 M, and cash on hands of 85.04 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Colony Bankcorp fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
448.23 M | 448.25 M | 248.04 M | 85.04 M |
Colony Bankcorp Investor Information
About 52.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.19. Some equities with similar Price to Book (P/B) outperform the market in the long run. Colony Bankcorp last dividend was issued on the 11th of February 2026. The entity had 5:4 split on the 17th of May 2005. 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.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.12 | 0.15 |
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| Operating Income | 36.9 M | 35.1 M |
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Colony Bankcorp Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The recent return on assets of Colony suggests not a very effective usage of assets in February.Colony Bankcorp Profitability Analysis
Considering Colony Bankcorp's profitability and operating efficiency indicators, Colony Bankcorp may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess Colony Bankcorp's ability to earn profits and add value for shareholders.Net Income | First Reported 1995-12-31 | Previous Quarter 5.8 M | Current Value 7.8 M | Quarterly Volatility 2.5 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.47 | 0.57 |
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| Net Profit Margin | 0.2 | 0.1884 |
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| Operating Profit Margin | 0.12 | 0.15 |
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| Pretax Profit Margin | 0.12 | 0.2343 |
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| Return On Assets | 0.0068 | 0.0088 |
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| Return On Equity | 0.0881 | 0.0985 |
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For Colony Bankcorp profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Colony Bankcorp to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Colony Bankcorp utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Colony Bankcorp's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Colony Bankcorp over time as well as its relative position and ranking within its peers.
Colony Bankcorp Earnings per Share Projection vs Actual
The next projected EPS of Colony Bankcorp is estimated to be 0.51 with future projections ranging from a low of 0.51 to a high of 0.51. Colony Bankcorp's most recent 12-month trailing earnings per share (EPS TTM) is at 1.59. Please be aware that the consensus of earnings estimates for Colony Bankcorp is based on EPS before non-recurring items and includes expenses related to employee stock options.Colony Bankcorp Earnings Estimation Breakdown
The calculation of Colony Bankcorp's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Colony Bankcorp is estimated to be 0.51 with the future projection ranging from a low of 0.51 to a high of 0.51. Please be aware that this consensus of annual earnings estimates for Colony Bankcorp is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.51 Lowest | Expected EPS | 0.51 Highest |
Colony Bankcorp Earnings Projection Consensus
Suppose the current estimates of Colony Bankcorp's value are higher than the current market price of the Colony Bankcorp stock. In this case, investors may conclude that Colony Bankcorp is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Colony Bankcorp's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 1 | 97.92% | 0.48 | 0.51 | 1.59 |
Colony Bankcorp Ownership Allocation
Colony Bankcorp holds a total of 21.25 Million outstanding shares. Over half of Colony Bankcorp's outstanding shares are owned by other corporate entities. These other corporate entities are typically referred to as corporate investors that acquire positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.Colony Bankcorp Profitability Analysis
The company reported the previous year's revenue of 149.95 M. Net Income was 23.87 M with profit before overhead, payroll, taxes, and interest of 127.68 M.Colony Bankcorp Past Distributions to stockholders
About Colony Bankcorp Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Colony Bankcorp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Colony Bankcorp based exclusively on its fundamental and basic technical indicators. By analyzing Colony Bankcorp's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Colony Bankcorp's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Colony Bankcorp. We calculate exposure to Colony Bankcorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Colony Bankcorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 129.3 M | 135.7 M | |
| Pretax Profit Margin | 0.23 | 0.12 | |
| Operating Profit Margin | 0.15 | 0.12 | |
| Net Profit Margin | 0.19 | 0.20 | |
| Gross Profit Margin | 0.57 | 0.47 |
Colony Bankcorp Quarterly Retained Earnings |
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A single share of Colony Bankcorp represents a small ownership stake in the entity. As a stockholder of Colony, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Colony Bankcorp Dividends Analysis For Valuation
At this time, Colony Bankcorp's Dividend Payout Ratio is very stable compared to the past year. As of the 10th of February 2026, Dividend Paid And Capex Coverage Ratio is likely to grow to 3.55, though Dividends Paid is likely to grow to (6.8 M). . At this time, Colony Bankcorp's Retained Earnings are very stable compared to the past year. As of the 10th of February 2026, Retained Earnings Total Equity is likely to grow to about 134.7 M, while Earning Assets are likely to drop about 430.9 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -7.1 M | -6.8 M | |
| Dividend Yield | 0.03 | 0.02 | |
| Dividend Payout Ratio | 0.29 | 0.30 | |
| Dividend Paid And Capex Coverage Ratio | 2.35 | 3.55 |
There are various types of dividends Colony Bankcorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Colony shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Colony Bankcorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Colony pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Colony Bankcorp by the value of the dividends paid out.
Colony Bankcorp Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 17.8 M | |
| Quarterly Earnings Growth Y O Y | -0.003 | |
| Forward Price Earnings | 11.0011 | |
| Forward Annual Dividend Rate | 0.47 | |
| Shares Float | 20.4 M |
Colony Bankcorp Current Valuation Indicators
Colony Bankcorp's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Colony Bankcorp's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Colony Bankcorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Colony Bankcorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Colony Bankcorp's worth.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 Portfolio Dashboard module to portfolio dashboard that provides centralized access to all your investments.
Will Regional Banks sector continue expanding? Could Colony diversify its offerings? Factors like these will boost the valuation of Colony Bankcorp. Projected growth potential of Colony fundamentally drives upward valuation adjustments. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Colony Bankcorp data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0) | Dividend Share 0.46 | Earnings Share 1.59 | Revenue Per Share | Quarterly Revenue Growth 0.17 |
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. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. 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.
It's important to distinguish between Colony Bankcorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Colony Bankcorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, Colony Bankcorp's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.