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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 0.43
CBAN's Cash to Debt is ranked higher than
64% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CBAN: 0.43 )
CBAN' s 10-Year Cash to Debt Range
Min: 0.15   Max: No Debt
Current: 0.43

Equity to Asset 0.09
CBAN's Equity to Asset is ranked higher than
62% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CBAN: 0.09 )
CBAN' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.09
Current: 0.09

0.06
0.09
Interest Coverage 0.93
CBAN's Interest Coverage is ranked higher than
63% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CBAN: 0.93 )
CBAN' s 10-Year Interest Coverage Range
Min: 0.07   Max: 0.93
Current: 0.93

0.07
0.93
F-Score: 7
Z-Score: 0.18
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 (%) 22.62
CBAN's Operating margin (%) is ranked higher than
65% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. CBAN: 22.62 )
CBAN' s 10-Year Operating margin (%) Range
Min: -200.97   Max: 31.84
Current: 22.62

-200.97
31.84
Net-margin (%) 15.31
CBAN's Net-margin (%) is ranked higher than
63% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. CBAN: 15.31 )
CBAN' s 10-Year Net-margin (%) Range
Min: -39.06   Max: 90.07
Current: 15.31

-39.06
90.07
ROE (%) 7.73
CBAN's ROE (%) is ranked higher than
72% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. CBAN: 7.73 )
CBAN' s 10-Year ROE (%) Range
Min: -22.24   Max: 14.03
Current: 7.73

-22.24
14.03
ROA (%) 0.64
CBAN's ROA (%) is ranked higher than
67% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CBAN: 0.64 )
CBAN' s 10-Year ROA (%) Range
Min: -1.5   Max: 1.09
Current: 0.64

-1.5
1.09
ROC (Joel Greenblatt) (%) 42.68
CBAN's ROC (Joel Greenblatt) (%) is ranked higher than
65% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. CBAN: 42.68 )
CBAN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -99.76   Max: 62.09
Current: 42.68

-99.76
62.09
Revenue Growth (%) -1.90
CBAN's Revenue Growth (%) is ranked higher than
67% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CBAN: -1.90 )
CBAN' s 10-Year Revenue Growth (%) Range
Min: -7.9   Max: 77.7
Current: -1.9

-7.9
77.7
EBITDA Growth (%) 57.20
CBAN's EBITDA Growth (%) is ranked higher than
97% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CBAN: 57.20 )
CBAN' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 57.2
Current: 57.2

0
57.2
» CBAN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

CBAN Guru Trades in Q4 2013

Arnold Schneider 30,683 sh (+44.76%)
Jim Simons 11,900 sh (+6.25%)
Bernard Horn 169,774 sh (unchged)
» More
Q1 2014

CBAN Guru Trades in Q1 2014

Arnold Schneider 45,483 sh (+48.24%)
Jim Simons 12,900 sh (+8.4%)
Bernard Horn 169,774 sh (unchged)
» More
Q2 2014

CBAN Guru Trades in Q2 2014

Arnold Schneider 52,883 sh (+16.27%)
Jim Simons 13,600 sh (+5.43%)
Bernard Horn 169,774 sh (unchged)
» More
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Arnold Schneider 2014-03-31 Add 48.24%0.01%$5.89 - $6.49 $ 7.520%45483
Arnold Schneider 2013-12-31 Add 44.76%0.01%$5.88 - $6.4 $ 7.522%30683
Arnold Schneider 2013-03-31 Add 63.05%$3.55 - $5.74 $ 7.545%21196
Arnold Schneider 2012-12-31 New Buy$3.55 - $4.25 $ 7.597%13000
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.20
CBAN's P/E(ttm) is ranked higher than
83% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. CBAN: 13.20 )
CBAN' s 10-Year P/E(ttm) Range
Min: 9.69   Max: 98.28
Current: 13.2

9.69
98.28
P/B 0.90
CBAN's P/B is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CBAN: 0.90 )
CBAN' s 10-Year P/B Range
Min: 0.24   Max: 3.72
Current: 0.9

0.24
3.72
P/S 1.40
CBAN's P/S is ranked higher than
95% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. CBAN: 1.40 )
CBAN' s 10-Year P/S Range
Min: 0.36   Max: 5.69
Current: 1.4

0.36
5.69
PFCF 4.40
CBAN's PFCF is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CBAN: 4.40 )
CBAN' s 10-Year PFCF Range
Min: 0.95   Max: 21.69
Current: 4.4

0.95
21.69
EV-to-EBIT 12.04
CBAN's EV-to-EBIT is ranked higher than
83% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. CBAN: 12.04 )
CBAN' s 10-Year EV-to-EBIT Range
Min: -20.1   Max: 6437.5
Current: 12.04

-20.1
6437.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
CBAN's Price/Tangible Book is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. CBAN: 0.90 )
CBAN' s 10-Year Price/Tangible Book Range
Min: 0.28   Max: 3.47
Current: 0.9

0.28
3.47
Price/DCF (Projected) 0.30
CBAN's Price/DCF (Projected) is ranked higher than
96% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. CBAN: 0.30 )
CBAN' s 10-Year Price/DCF (Projected) Range
Min: 0.08   Max: 1.26
Current: 0.3

0.08
1.26
Price/Median PS Value 1.10
CBAN's Price/Median PS Value is ranked higher than
80% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. CBAN: 1.10 )
CBAN' s 10-Year Price/Median PS Value Range
Min: 0.34   Max: 8.33
Current: 1.1

0.34
8.33
Price/Graham Number 0.50
CBAN's Price/Graham Number is ranked higher than
95% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CBAN: 0.50 )
CBAN' s 10-Year Price/Graham Number Range
Min: 0.26   Max: 1.97
Current: 0.5

0.26
1.97
Earnings Yield (Greenblatt) 8.30
CBAN's Earnings Yield (Greenblatt) is ranked higher than
80% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CBAN: 8.30 )
CBAN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 8.9
Current: 8.3

0.5
8.9
Forward Rate of Return (Yacktman) 6.05
CBAN's Forward Rate of Return (Yacktman) is ranked higher than
62% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. CBAN: 6.05 )
CBAN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.3   Max: 109.5
Current: 6.05

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 NAS:CBAN

Headlines

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

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Colony Bankcorp, Inc. Announces Fourth Quarter Results Jan 24 2014
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