Colony Bankcorp Valuation Analysis
| CBAN Stock | USD 19.85 0.05 0.25% |
Above Model Estimate
Today
The intrinsic value estimate for Colony Bankcorp is based on a 3 months horizon. Extending the time horizon generally improves valuation stability.
The valuation of Colony Bankcorp is tested here against earnings multiples, cash-flow models, and asset-based benchmarks. Cross-checking more than one valuation method usually gives a more reliable estimate than relying on a single framework.
Main Profitability Drivers
The latest figures show Colony Bankcorp's net profit margin at 8.80% and operating margin at 12.00%. The 3.20 percentage-point gap between operating and net margins points to non-operating costs such as interest expense or taxes reducing bottom-line profitability. On $186.11 million of revenue, Colony Bankcorp earned $137.33 million in gross profit and $28.25 million on the bottom line. At 8.79% ROE and 0.68% ROA, Colony Bankcorp's efficiency metrics offer insight into capital and asset utilization. The trend direction in Colony Bankcorp's profitability metrics skews negative, pointing to potential earnings risk ahead. View Colony Bankcorp's full profitability analysis for additional context.
Price Book 1.08 | Gross Profit | Price Sales 3.06 | Profit Margin | Enterprise Value Revenue 4.71 |
Colony Bankcorp Cash | $47.36 million |
Cash stood at $27.31 million as of December 31, 2025.
Revenue by Product
The latest product revenue disclosure for Colony Bankcorp covers 3 reported segments. The reported segment mix is led by Mortgage Banking at 2.56 million, followed by Credit Card at 2.19 million. The segment figures provide useful product-mix context, but they should be interpreted as reported line items rather than a precise share of consolidated revenue.As a financial institution generating revenue through lending, deposits, and interest rate spreads, Colony Bankcorp's financial profile reflects the economics of that model. As a value-leaning stock in Banks, its valuation multiples sit below broader market averages. The analysis below connects enterprise value. profitability, and capital structure to explain what the market is pricing today.
Total Value Analysis
From a capital-structure perspective, Colony Bankcorp is being framed with enterprise value of 382.4 million, market capitalization of 420.07 million, debt obligations near 258.1 million, and cash-equivalent resources of 85.04 million as of latest reporting. In practice, enterprise value isolates the operating business from capital-structure noise, but only holds if the underlying debt and cash figures are stable.| Takeover Price | Market Cap | Debt Obligations | Cash & Equivalents |
382.4 million | 420.07 million | 258.1 million | 85.04 million |
Investor Information
About 56.0% of CBAN shares are held by institutions such as insurance companies. CBAN has price-to-book (P/B) ratio of 1.08. Equities trading at this Price to Book (P/B) range reflect investor confidence in earnings power beyond book value. Colony Bankcorp has Price/Earnings To Growth (PEG) ratio of 2.11. CBAN had its last dividend issued on the 6th of May 2026. The firm completed a 1.250-for-1 stock split on 17th of May 2005. Colony Bankcorp shows moderate financial flexibility with thin profitability across liquidity, leverage, and earnings quality. Operating returns remain positive, supporting continued earnings capacity.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 12.00% | 18.88% |
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| Operating Income | $36.89 million | $35.13 million |
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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 Bankcorp suggests not a very effective usage of assets in May.Macro event markers
Discounted Cash Flow Analysis
Using the current custom levered DCF inputs, Colony Bankcorp is worth about 5.81 per share while the market is pricing it near 19.85. That leaves the shares trading about 70.7% above this model output. The model discounts levered cash flows at 11.56% and assumes terminal growth of 2.0%, while forward free cash flow is near 35.01 Million. Projected discounted levered cash flows total about 122.48 Million, while the terminal value contributes around 63.4% of enterprise value. As a result, the output remains highly sensitive to long-term assumptions.Model Value / Share
5.81
Equity value per share from the current custom levered DCF summary row.
Market Price
19.85
Current market price used by the same scenario.
Model Premium
70.7%
Market price sits above the model output.
WACC / LT Growth
11.56% / 2.0%
Forecast horizon: 2021 to 2030Terminal value share of EV: 63.4%
Colony Bankcorp Market Price vs. Intrinsic Value
This chart compares observed market pricing with the model-derived equity value per share across forecast periods. It also illustrates the relative premium or discount, expressed as a percentage difference between market valuation and modeled intrinsic value.
Projected Revenue and Levered Free Cash Flow
Revenue and levered free cash flow projections are presented in billions, outlining the expected financial trajectory over the modeled horizon.
Key Model Assumptions
The inputs below reflect the core assumptions applied in the valuation model, including growth expectations, discount rates, and capital structure considerations.
| Input | Current Value |
|---|---|
| Weighted Average Cost of Capital | 11.56% |
| Long-Term Growth Rate | 2.0% |
| Cost of Equity | 6.63% |
| After-Tax Cost of Debt | 18.09% |
| Debt Weighting | 42.23% |
| Equity Weighting | 57.77% |
| Net Debt | 230.8 million |
| Enterprise Value | 334.24 million |
| Present Terminal Value | 211.77 million |
| Terminal Value Share of EV | 63.4% |
Forecast Detail and Valuation Progression
This table presents the underlying forecast data used in the valuation, including revenue, cash flow generation, discounting effects, and the resulting per-share value across each projected period.
| Year | Revenue | Revenue Growth | Free Cash Flow | PV of LFCF | Equity Value / Share |
|---|---|---|---|---|---|
| 2021 | 106.88 million | 0.00% | 30.27 million | 0 | 5.86 |
| 2022 | 126.56 million | 18.42% | 46.85 million | 0 | 5.61 |
| 2023 | 160.55 million | 26.85% | 17.36 million | 0 | 5.89 |
| 2024 | 176.62 million | 10.01% | 22.32 million | 0 | 5.85 |
| 2025 | 186.11 million | 5.37% | -6.9 million | 0 | 5.87 |
| 2026 | 192.37 million | 3.36% | 32.73 million | 29.34 million | 5.81 |
| 2027 | 196.42 million | 2.11% | 33.42 million | 26.85 million | 5.81 |
| 2028 | 199.01 million | 1.32% | 33.86 million | 24.39 million | 5.81 |
| 2029 | 200.65 million | 0.83% | 34.14 million | 22.04 million | 5.81 |
| 2030 | 201.69 million | 0.52% | 34.32 million | 19.86 million | 5.81 |
Profitability Analysis
Reviewing Colony Bankcorp's reported profitability metrics, Colony Bankcorp is profitable with a net margin of 8.8% and operating margin of 12.0%, reporting net income of 28.25 million. Return on equity stands at 8.79%. Profitability metrics show broad-based margin compression, with multiple indicators contracting year over year.Net Income | First Reported 1995-12-31 | Previous Quarter 7.84 million | Current Value 8.2 million | Quarterly Volatility 2.51 million |
Macro event markers
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 47.00% | 66.39% |
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| Net Profit Margin | 8.80% | 15.18% |
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| Operating Profit Margin | 12.00% | 18.88% |
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| Pretax Profit Margin | 12.00% | 18.88% |
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| Return On Assets | 0.68% | 0.76% |
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| Return On Equity | 8.79% | 7.52% |
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For Colony Bankcorp, profitability analysis measures the relationship between revenue, cost structure, and bottom-line earnings. Net margin of 8.8% is adequate, though not at levels that typically signal strong pricing power. Margin trends and return metrics below indicate whether the earnings profile is strengthening or deteriorating. Colony Bankcorp reports return on equity of 8.79%, positive but not at levels that signal strong capital efficiency.
Earnings per Share Projection vs Actual
Analyst consensus on Colony Bankcorp's EPS captures the range of professional forecasts and their trajectory over time. An operating margin of 12.0% frames the cost structure behind Colony Bankcorp's reported EPS. Analyst EPS projections for Colony Bankcorp set the bar that actual results are measured against. The direction and magnitude of any miss or beat often matters more than the absolute number. Colony Bankcorp reported estimated earnings of 0.48 in earnings per share on 30th of June 2026. Revisions to EPS estimates — direction and magnitude — often move valuation multiples before the actual report date.Macro event markers
Earnings Estimation Breakdown
2 analysts contribute to the current consensus. The last reported EPS was 0.45 as of 31st of March 2026.
Last Reported EPS
0.47
Lowest
0.48
Expected EPS
0.49
Highest
Analyst estimate range around the current expected EPS projection.
Earnings Projection Consensus
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 30th of June 2026 | Current EPS (TTM) | |
| 2 | 96.39% | 0.45 | 0.48 | 1.60 |
Ownership Allocation
Over half of Colony Bankcorp's outstanding shares are owned by institutional holders. Institutional investors such as mutual funds, pension funds, and asset managers typically build positions in companies like Colony Bankcorp as part of their portfolio management activity, investing on behalf of clients or beneficiaries.Revenue and Profit Overview
CBAN reported previous year's revenue of $186.11 million. Net Income was $28.25 million with profit before overhead, payroll, taxes, and interest of $137.33 million.Past Dividend Distributions
Dividend history associated with this Stock can offer signals about financial resilience and payout sustainability. Investors frequently compare payout ratios with earnings growth in the context of analysis of dividend stability. Income-focused investors may want to explore dividend payments.
| 25th of February 2026 | ||
| 19th of November 2025 | ||
| 20th of August 2025 | ||
| 21st of May 2025 | ||
| 19th of February 2025 | ||
| 20th of November 2024 | ||
| 21st of August 2024 | ||
| 22nd of May 2024 |
What This Indicates
A 8.64 earnings multiple signals caution about near-term earnings power, a discount the market routinely applies to asset management and advisory firms navigating market performance cycles, fee compression, and flows into or out of managed products. For asset management and advisory firms, the earnings multiple reflects operating economics and cost structure more than top-line growth alone. Colony Bankcorp earns 8.8% on revenue, a moderate level that depends on sustained volume to translate into meaningful bottom-line results. This margin profile is a direct function of the underlying business economics. Colony Bankcorp carries a 14.2 debt-to-equity ratio, characteristic of asset management and advisory firms where large fixed-asset bases and working capital needs necessitate balance sheet scale - constraining financial flexibility during demand downturns. Colony Bankcorp earns 8.79% on equity - positive but moderate, indicating productive capital deployment without the kind of returns that signal strong competitive advantages. Low valuation multiples are consistent with Colony Bankcorp being priced as a value-oriented holding - the market expects limited growth, though rerating potential exists if operating trends improve. The current valuation prices in limited or declining earnings momentum, meaning future performance depends more on meeting those expectations than exceeding them. Longer-term, fee revenue trajectory, asset growth, and margin resilience through different market environments will shape whether the market reassesses this positioning.
Combined Signal Overview
Colony Bankcorp fits the profile of a capital-intensive operation carrying significant leverage, a positioning that shapes how asset management and advisory firms are valued. Profitability is positive and capital returns adequate - the business generates reasonable value from its asset base under current conditions. Until Colony Bankcorp demonstrates that fee revenue trajectory, asset growth, and margin resilience through different market environments can support consistent profitability, the market is likely to continue discounting the stock relative to asset management and advisory firms with more established earnings power.
These valuation inputs for Colony Bankcorp should be revisited as new data and market conditions evolve. With multiples below the broader market, the question is whether low pricing reflects a value opportunity or a structural headwind.
Valuation Framework, Methodology & Assumptions
Colony Bankcorp is a small-cap equity in Regional Banks, Banks - Regional, Financial Services categories. Valuation integrates earnings durability and capital efficiency. Market sensitivity appears generally aligned with broader economic conditions. For Colony Bankcorp, the leading valuation metrics are P/E of 8.64; additional context comes from P/B of 1.08, P/S of 3.06.
Colony Bankcorp analytics rely on periodic company reporting and market reference feeds, with quality checks and normalization applied. Analyst inputs may be included when coverage is available. Valuation outputs are model-derived and depend on published assumptions and reference inputs.
The analysis above is generated by quantitative models and is provided for informational and educational purposes only. It does not constitute financial advice, investment recommendations, or an endorsement to buy or sell any security. All investing involves risk, including the possible loss of principal. Consult a qualified financial advisor before making investment decisions. See our Terms of Use for full details.
Financial data referenced in this analysis is derived from publicly available SEC filings, audited financial statements, and third-party market data providers. The intrinsic value estimate is generated by Macroaxis quantitative models that incorporate fundamental analysis, technical indicators, and risk metrics.
The methodology combines multiple analytical inputs:
- Fundamental analysis - financial statements, profitability ratios, debt structure, and cash flow metrics sourced from SEC filings and public financial reports
- Technical indicators - historical price patterns, momentum signals, and volatility measures
- Risk assessment - probability of bankruptcy models, market risk metrics, and downside scenario analysis
- Peer comparison - relative valuation against industry peers using standardized multiples
Model outputs are refreshed periodically as new financial data becomes available. Past model performance is not indicative of future results. The intrinsic value estimate reflects a point-in-time calculation and should be considered alongside other research and professional advice.
Data sourced from SEC filings (EDGAR), public financial statements, and market data providers.
Editorial review and methodology oversight provided by: Ellen Johnson, Member of Macroaxis Editorial Board
Growth Indicators
The market case for Colony Bankcorp appears tied more to rebuilding earnings power than to investors paying up for a high-expectation growth profile. In this context, the key question is whether current momentum can rebuild durable earnings power rather than simply produce a short-lived rebound.
| Common Stock Shares Outstanding | 17.79 million | |
| Quarterly Earnings Growth Y O Y | 2.40% | |
| Forward Price Earnings | 11.0011 |
Colony Bankcorp Current Valuation Indicators
Evaluating Colony Bankcorp's value means testing whether the share price matches the economics of the actual business. Quantitative valuation narrows the range of reasonable outcomes by cross-referencing multiple model-based signals. Reported values are derived from company filings, audited financial statements, and market data, and are standardized within Macroaxis quantitative models for consistency. Model outputs reflect a point-in-time estimate based on available data and assumptions and should be interpreted alongside changes in operating performance, market conditions, and forward expectations.