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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 0.68
CBAN's Cash to Debt is ranked lower than
60% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. CBAN: 0.68 )
Ranked among companies with meaningful Cash to Debt only.
CBAN' s 10-Year Cash to Debt Range
Min: 0.15  Med: 0.47 Max: N/A
Current: 0.68
Equity to Asset 0.09
CBAN's Equity to Asset is ranked lower than
60% of the 1353 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 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.09
Current: 0.09
0.06
0.09
Interest Coverage 1.59
CBAN's Interest Coverage is ranked higher than
50% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. CBAN: 1.59 )
Ranked among companies with meaningful Interest Coverage only.
CBAN' s 10-Year Interest Coverage Range
Min: 0.07  Med: 0.35 Max: 1.59
Current: 1.59
0.07
1.59
F-Score: 6
WACC vs ROIC
9.77%
6.73%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 24.76
CBAN's Operating margin (%) is ranked lower than
65% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. CBAN: 24.76 )
Ranked among companies with meaningful Operating margin (%) only.
CBAN' s 10-Year Operating margin (%) Range
Min: -200.97  Med: 25.39 Max: 31.84
Current: 24.76
-200.97
31.84
Net-margin (%) 17.26
CBAN's Net-margin (%) is ranked lower than
67% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. CBAN: 17.26 )
Ranked among companies with meaningful Net-margin (%) only.
CBAN' s 10-Year Net-margin (%) Range
Min: -39.06  Med: 19.22 Max: 90.07
Current: 17.26
-39.06
90.07
ROE (%) 5.55
CBAN's ROE (%) is ranked lower than
70% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. CBAN: 5.55 )
Ranked among companies with meaningful ROE (%) only.
CBAN' s 10-Year ROE (%) Range
Min: -23.83  Med: 11.23 Max: 14.03
Current: 5.55
-23.83
14.03
ROA (%) 0.72
CBAN's ROA (%) is ranked lower than
60% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CBAN: 0.72 )
Ranked among companies with meaningful ROA (%) only.
CBAN' s 10-Year ROA (%) Range
Min: -1.5  Med: 0.83 Max: 1.09
Current: 0.72
-1.5
1.09
Revenue Growth (3Y)(%) 1.50
CBAN's Revenue Growth (3Y)(%) is ranked lower than
53% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CBAN: 1.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CBAN' s 10-Year Revenue Growth (3Y)(%) Range
Min: -7.9  Med: 7.60 Max: 77.7
Current: 1.5
-7.9
77.7
EBITDA Growth (3Y)(%) 11.50
CBAN's EBITDA Growth (3Y)(%) is ranked higher than
62% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CBAN: 11.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CBAN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 11.40 Max: 17.7
Current: 11.5
0
17.7
EPS Growth (3Y)(%) 63.70
CBAN's EPS Growth (3Y)(%) is ranked higher than
94% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.70 vs. CBAN: 63.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CBAN' s 10-Year EPS Growth (3Y)(%) Range
Min: -39.3  Med: 7.70 Max: 63.7
Current: 63.7
-39.3
63.7
» CBAN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

CBAN Guru Trades in Q3 2014

Jim Simons 14,500 sh (+6.62%)
Arnold Schneider 54,083 sh (+2.27%)
Bernard Horn 169,774 sh (unchged)
» More
Q4 2014

CBAN Guru Trades in Q4 2014

Jim Simons 16,200 sh (+11.72%)
Bernard Horn 169,774 sh (unchged)
Arnold Schneider 52,382 sh (-3.15%)
» More
Q1 2015

CBAN Guru Trades in Q1 2015

Jim Simons 18,800 sh (+16.05%)
Bernard Horn 169,774 sh (unchged)
Arnold Schneider 48,483 sh (-7.44%)
» More
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
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 14.03
CBAN's P/E(ttm) is ranked lower than
52% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. CBAN: 14.03 )
Ranked among companies with meaningful P/E(ttm) only.
CBAN' s 10-Year P/E(ttm) Range
Min: 9.69  Med: 17.69 Max: 98.28
Current: 14.03
9.69
98.28
Forward P/E 15.08
CBAN's Forward P/E is ranked lower than
80% of the 718 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.82 vs. CBAN: 15.08 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.50
CBAN's PE(NRI) is ranked lower than
52% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. CBAN: 13.50 )
Ranked among companies with meaningful PE(NRI) only.
CBAN' s 10-Year PE(NRI) Range
Min: 9.73  Med: 17.87 Max: 95
Current: 13.5
9.73
95
P/B 1.02
CBAN's P/B is ranked higher than
57% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. CBAN: 1.02 )
Ranked among companies with meaningful P/B only.
CBAN' s 10-Year P/B Range
Min: 0.24  Med: 0.85 Max: 3.72
Current: 1.02
0.24
3.72
P/S 1.62
CBAN's P/S is ranked higher than
82% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. CBAN: 1.62 )
Ranked among companies with meaningful P/S only.
CBAN' s 10-Year P/S Range
Min: 0.36  Med: 1.24 Max: 5.69
Current: 1.62
0.36
5.69
PFCF 7.40
CBAN's PFCF is ranked higher than
66% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. CBAN: 7.40 )
Ranked among companies with meaningful PFCF only.
CBAN' s 10-Year PFCF Range
Min: 0.95  Med: 3.86 Max: 21.69
Current: 7.4
0.95
21.69
POCF 6.63
CBAN's POCF is ranked higher than
64% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. CBAN: 6.63 )
Ranked among companies with meaningful POCF only.
CBAN' s 10-Year POCF Range
Min: 0.93  Med: 3.34 Max: 13.25
Current: 6.63
0.93
13.25
EV-to-EBIT 10.68
CBAN's EV-to-EBIT is ranked higher than
66% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. CBAN: 10.68 )
Ranked among companies with meaningful EV-to-EBIT only.
CBAN' s 10-Year EV-to-EBIT Range
Min: -20.1  Med: 16.60 Max: 6437.5
Current: 10.68
-20.1
6437.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.02
CBAN's Price/Tangible Book is ranked higher than
62% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CBAN: 1.02 )
Ranked among companies with meaningful Price/Tangible Book only.
CBAN' s 10-Year Price/Tangible Book Range
Min: 0.28  Med: 1.23 Max: 3.46
Current: 1.02
0.28
3.46
Price/Projected FCF 0.31
CBAN's Price/Projected FCF is ranked higher than
85% of the 806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. CBAN: 0.31 )
Ranked among companies with meaningful Price/Projected FCF only.
CBAN' s 10-Year Price/Projected FCF Range
Min: 0.08  Med: 0.28 Max: 1.26
Current: 0.31
0.08
1.26
Price/Median PS Value 1.31
CBAN's Price/Median PS Value is ranked lower than
74% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. CBAN: 1.31 )
Ranked among companies with meaningful Price/Median PS Value only.
CBAN' s 10-Year Price/Median PS Value Range
Min: 0.34  Med: 1.75 Max: 8.33
Current: 1.31
0.34
8.33
Price/Graham Number 0.56
CBAN's Price/Graham Number is ranked higher than
79% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CBAN: 0.56 )
Ranked among companies with meaningful Price/Graham Number only.
CBAN' s 10-Year Price/Graham Number Range
Min: 0.26  Med: 0.88 Max: 1.97
Current: 0.56
0.26
1.97
Earnings Yield (Greenblatt) (%) 9.33
CBAN's Earnings Yield (Greenblatt) (%) is ranked higher than
69% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. CBAN: 9.33 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CBAN' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.5  Med: 5.40 Max: 11.8
Current: 9.33
0.5
11.8
Forward Rate of Return (Yacktman) (%) 2.88
CBAN's Forward Rate of Return (Yacktman) (%) is ranked lower than
73% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. CBAN: 2.88 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CBAN' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 3.3  Med: 25.80 Max: 109.5
Current: 2.88
3.3
109.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» More Articles for CBAN

Headlines

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

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