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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.76
CBAN's Cash to Debt is ranked lower than
65% of the 1178 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. CBAN: 0.76 )
Ranked among companies with meaningful Cash to Debt only.
CBAN' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.50 Max: N/A
Current: 0.76
Equity to Asset 0.09
CBAN's Equity to Asset is ranked lower than
62% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CBAN: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
CBAN' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.09
Current: 0.09
0.06
0.09
Interest Coverage 1.90
CBAN's Interest Coverage is ranked higher than
54% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. CBAN: 1.90 )
Ranked among companies with meaningful Interest Coverage only.
CBAN' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 0.36 Max: 1.85
Current: 1.9
0.07
1.85
F-Score: 5
M-Score: -2.51
WACC vs ROIC
6.33%
7.45%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 26.48
CBAN's Operating margin (%) is ranked lower than
62% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. CBAN: 26.48 )
Ranked among companies with meaningful Operating margin (%) only.
CBAN' s Operating margin (%) Range Over the Past 10 Years
Min: -59.42  Med: 11.74 Max: 31.21
Current: 26.48
-59.42
31.21
Net-margin (%) 18.21
CBAN's Net-margin (%) is ranked lower than
65% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.36 vs. CBAN: 18.21 )
Ranked among companies with meaningful Net-margin (%) only.
CBAN' s Net-margin (%) Range Over the Past 10 Years
Min: -39.06  Med: 7.90 Max: 20.62
Current: 18.21
-39.06
20.62
ROE (%) 6.37
CBAN's ROE (%) is ranked lower than
65% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.33 vs. CBAN: 6.37 )
Ranked among companies with meaningful ROE (%) only.
CBAN' s ROE (%) Range Over the Past 10 Years
Min: -23.83  Med: 2.90 Max: 14.03
Current: 6.37
-23.83
14.03
ROA (%) 0.74
CBAN's ROA (%) is ranked lower than
60% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. CBAN: 0.74 )
Ranked among companies with meaningful ROA (%) only.
CBAN' s ROA (%) Range Over the Past 10 Years
Min: -1.5  Med: 0.32 Max: 0.87
Current: 0.74
-1.5
0.87
Revenue Growth (3Y)(%) 0.50
CBAN's Revenue Growth (3Y)(%) is ranked lower than
60% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. CBAN: 0.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CBAN' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.1  Med: 7.70 Max: 77.6
Current: 0.5
-7.1
77.6
EBITDA Growth (3Y)(%) 35.70
CBAN's EBITDA Growth (3Y)(%) is ranked higher than
90% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. CBAN: 35.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CBAN' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.9  Med: 11.60 Max: 35.7
Current: 35.7
-31.9
35.7
EPS Growth (3Y)(%) 70.50
CBAN's EPS Growth (3Y)(%) is ranked higher than
96% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. CBAN: 70.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CBAN' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -39.2  Med: 10.70 Max: 70.5
Current: 70.5
-39.2
70.5
» CBAN's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-23)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

CBAN Guru Trades in Q2 2015

Jim Simons 22,900 sh (+21.81%)
Bernard Horn 169,774 sh (unchged)
Arnold Schneider 44,297 sh (-8.63%)
» More
Q3 2015

CBAN Guru Trades in Q3 2015

Jim Simons 25,100 sh (+9.61%)
Bernard Horn 169,774 sh (unchged)
Arnold Schneider 30,094 sh (-32.06%)
» More
Q4 2015

CBAN Guru Trades in Q4 2015

Jim Simons 28,700 sh (+14.34%)
Bernard Horn 169,774 sh (unchged)
Arnold Schneider 25,172 sh (-16.36%)
» More
Q1 2016

CBAN Guru Trades in Q1 2016

Jim Simons 31,800 sh (+10.80%)
Bernard Horn 169,774 sh (unchged)
Arnold Schneider 24,372 sh (-3.18%)
» More
» Details

Insider Trades

Latest Guru Trades with CBAN

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:FCCY, NAS:ACFC, NAS:UNTY, OTCPK:FNCB, NAS:FCCO, NAS:OPOF » details
Colony Bankcorp Inc is a bank holding company. The Company, through its subsidiary, provides traditional banking products and services to commercial and consumer customers in its markets.

Colony Bankcorp Inc a Georgia business corporation was incorporated on November 8, 1982. The Company is a bank holding company whose business is conducted mainly through its wholly-owned subsidiary, Colony Bank or the Bank, which provides banking services to its retail and commercial customers. The Bank, headquartered in Fitzgerald, Georgia, provides traditional banking products and services to commercial and consumer customers in its markets. Its product line includes, among other things, loans to small and medium-sized businesses, residential and commercial construction and land development loans, commercial real estate loans, commercial loans, agri-business and production loans, residential mortgage loans, home equity loans, consumer loans and a number of demand, savings and time deposit products. It also provides internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, remote depository products and access to a network of ATMs to its customers. The Bank conducts a general full service commercial, consumer and mortgage banking business through twenty-nine offices located in the middle and south Georgia cities of Fitzgerald, Warner Robins, Centerville, Ashburn, Leesburg, Cordele, Albany, Thomaston, Columbus, Sylvester, Tifton, Moultrie, Douglas, Broxton, Savannah, Eastman, Chester, Soperton, Rochelle, Pitts, Quitman and Valdosta, Georgia. The Company is registered with the Federal Reserve under the BHCA and the Georgia Department of Banking and Finance under the Financial Institutions Code of Georgia, it is subject to supervision, examination and reporting by the Federal Reserve and the Georgia Department.

Ratios

vs
industry
vs
history
P/E(ttm) 12.71
CBAN's P/E(ttm) is ranked higher than
50% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. CBAN: 12.71 )
Ranked among companies with meaningful P/E(ttm) only.
CBAN' s P/E(ttm) Range Over the Past 10 Years
Min: 9.7  Med: 15.46 Max: 98.28
Current: 12.71
9.7
98.28
PE(NRI) 12.71
CBAN's PE(NRI) is ranked higher than
50% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.69 vs. CBAN: 12.71 )
Ranked among companies with meaningful PE(NRI) only.
CBAN' s PE(NRI) Range Over the Past 10 Years
Min: 9.74  Med: 15.37 Max: 95
Current: 12.71
9.74
95
Price/Owner Earnings (ttm) 7.89
CBAN's Price/Owner Earnings (ttm) is ranked higher than
70% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.46 vs. CBAN: 7.89 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CBAN' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.68  Med: 12.46 Max: 62.41
Current: 7.89
3.68
62.41
P/B 0.99
CBAN's P/B is ranked higher than
55% of the 1655 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CBAN: 0.99 )
Ranked among companies with meaningful P/B only.
CBAN' s P/B Range Over the Past 10 Years
Min: 0.24  Med: 0.86 Max: 3.66
Current: 0.99
0.24
3.66
P/S 1.74
CBAN's P/S is ranked higher than
76% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. CBAN: 1.74 )
Ranked among companies with meaningful P/S only.
CBAN' s P/S Range Over the Past 10 Years
Min: 0.36  Med: 1.24 Max: 5.69
Current: 1.74
0.36
5.69
PFCF 6.82
CBAN's PFCF is ranked higher than
65% of the 892 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.24 vs. CBAN: 6.82 )
Ranked among companies with meaningful PFCF only.
CBAN' s PFCF Range Over the Past 10 Years
Min: 0.94  Med: 3.86 Max: 21.48
Current: 6.82
0.94
21.48
POCF 5.11
CBAN's POCF is ranked higher than
68% of the 992 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.94 vs. CBAN: 5.11 )
Ranked among companies with meaningful POCF only.
CBAN' s POCF Range Over the Past 10 Years
Min: 0.92  Med: 3.33 Max: 12.87
Current: 5.11
0.92
12.87
EV-to-EBIT 9.24
CBAN's EV-to-EBIT is ranked higher than
69% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. CBAN: 9.24 )
Ranked among companies with meaningful EV-to-EBIT only.
CBAN' s EV-to-EBIT Range Over the Past 10 Years
Min: -20.1  Med: 13.85 Max: 6349.7
Current: 9.24
-20.1
6349.7
EV-to-EBITDA 8.17
CBAN's EV-to-EBITDA is ranked higher than
71% of the 1514 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.89 vs. CBAN: 8.17 )
Ranked among companies with meaningful EV-to-EBITDA only.
CBAN' s EV-to-EBITDA Range Over the Past 10 Years
Min: -47.8  Med: 11.60 Max: 96.2
Current: 8.17
-47.8
96.2
PEG 0.78
CBAN's PEG is ranked higher than
65% of the 738 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CBAN: 0.78 )
Ranked among companies with meaningful PEG only.
CBAN' s PEG Range Over the Past 10 Years
Min: 0.24  Med: 1.04 Max: 3.89
Current: 0.78
0.24
3.89
Shiller P/E 51.08
CBAN's Shiller P/E is ranked lower than
93% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.33 vs. CBAN: 51.08 )
Ranked among companies with meaningful Shiller P/E only.
CBAN' s Shiller P/E Range Over the Past 10 Years
Min: 3.59  Med: 11.92 Max: 50.84
Current: 51.08
3.59
50.84

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.99
CBAN's Price/Tangible Book is ranked higher than
59% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CBAN: 0.99 )
Ranked among companies with meaningful Price/Tangible Book only.
CBAN' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.28  Med: 1.19 Max: 3.46
Current: 0.99
0.28
3.46
Price/Projected FCF 0.34
CBAN's Price/Projected FCF is ranked higher than
84% of the 892 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.66 vs. CBAN: 0.34 )
Ranked among companies with meaningful Price/Projected FCF only.
CBAN' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.08  Med: 0.30 Max: 1.28
Current: 0.34
0.08
1.28
Price/Median PS Value 1.41
CBAN's Price/Median PS Value is ranked lower than
87% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CBAN: 1.41 )
Ranked among companies with meaningful Price/Median PS Value only.
CBAN' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.34  Med: 1.73 Max: 8.23
Current: 1.41
0.34
8.23
Price/Peter Lynch Fair Value 0.50
CBAN's Price/Peter Lynch Fair Value is ranked higher than
79% of the 431 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CBAN: 0.50 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CBAN' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.48  Med: 1.05 Max: 1.51
Current: 0.5
0.48
1.51
Price/Graham Number 0.75
CBAN's Price/Graham Number is ranked higher than
58% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CBAN: 0.75 )
Ranked among companies with meaningful Price/Graham Number only.
CBAN' s Price/Graham Number Range Over the Past 10 Years
Min: 0.47  Med: 0.91 Max: 1.97
Current: 0.75
0.47
1.97
Earnings Yield (Greenblatt) (%) 10.80
CBAN's Earnings Yield (Greenblatt) (%) is ranked higher than
72% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. CBAN: 10.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CBAN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.5  Med: 6.50 Max: 12.9
Current: 10.8
0.5
12.9
Forward Rate of Return (Yacktman) (%) 67.47
CBAN's Forward Rate of Return (Yacktman) (%) is ranked higher than
95% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.58 vs. CBAN: 67.47 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CBAN' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 5.3  Med: 32.80 Max: 109.5
Current: 67.47
5.3
109.5

More Statistics

Revenue (TTM) (Mil) $46.97
EPS (TTM) $ 0.76
Beta0.52
Short Percentage of Float0.13%
52-Week Range $8.11 - 10.04
Shares Outstanding (Mil)8.44
» More Articles for NAS:CBAN

Headlines

Articles On GuruFocus.com
Colony Bankcorp Inc. Reports Operating Results (10-K) Mar 15 2011 

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