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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.38
NAS:CBAN's Cash-to-Debt is ranked lower than
70% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.09 vs. NAS:CBAN: 0.38 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:CBAN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.5 Max: N/A
Current: 0.38
Equity-to-Asset 0.07
NAS:CBAN's Equity-to-Asset is ranked lower than
78% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:CBAN: 0.07 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:CBAN' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.09
Current: 0.07
0.06
0.09
Interest Coverage 1.97
NAS:CBAN's Interest Coverage is ranked higher than
53% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.74 vs. NAS:CBAN: 1.97 )
Ranked among companies with meaningful Interest Coverage only.
NAS:CBAN' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 0.64 Max: 1.97
Current: 1.97
0.07
1.97
Beneish M-Score: -2.53
WACC vs ROIC
6.16%
7.17%
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 % 27.01
NAS:CBAN's Operating Margin % is ranked lower than
64% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. NAS:CBAN: 27.01 )
Ranked among companies with meaningful Operating Margin % only.
NAS:CBAN' s Operating Margin % Range Over the Past 10 Years
Min: -59.42  Med: 11.74 Max: 27.01
Current: 27.01
-59.42
27.01
Net Margin % 18.65
NAS:CBAN's Net Margin % is ranked lower than
66% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.82 vs. NAS:CBAN: 18.65 )
Ranked among companies with meaningful Net Margin % only.
NAS:CBAN' s Net Margin % Range Over the Past 10 Years
Min: -39.06  Med: 7.9 Max: 18.65
Current: 18.65
-39.06
18.65
ROE % 8.57
NAS:CBAN's ROE % is ranked lower than
58% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.56 vs. NAS:CBAN: 8.57 )
Ranked among companies with meaningful ROE % only.
NAS:CBAN' s ROE % Range Over the Past 10 Years
Min: -23.83  Med: 2.9 Max: 10.66
Current: 8.57
-23.83
10.66
ROA % 0.76
NAS:CBAN's ROA % is ranked lower than
61% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. NAS:CBAN: 0.76 )
Ranked among companies with meaningful ROA % only.
NAS:CBAN' s ROA % Range Over the Past 10 Years
Min: -1.5  Med: 0.32 Max: 0.76
Current: 0.76
-1.5
0.76
3-Year Revenue Growth Rate 0.80
NAS:CBAN's 3-Year Revenue Growth Rate is ranked lower than
68% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. NAS:CBAN: 0.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:CBAN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -7.1  Med: 7.7 Max: 77.6
Current: 0.8
-7.1
77.6
3-Year EBITDA Growth Rate 18.10
NAS:CBAN's 3-Year EBITDA Growth Rate is ranked higher than
78% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. NAS:CBAN: 18.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:CBAN' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -49.9  Med: 14.45 Max: 56
Current: 18.1
-49.9
56
3-Year EPS without NRI Growth Rate 31.40
NAS:CBAN's 3-Year EPS without NRI Growth Rate is ranked higher than
89% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. NAS:CBAN: 31.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:CBAN' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -39.3  Med: 11 Max: 71.8
Current: 31.4
-39.3
71.8
GuruFocus has detected 2 Warning Signs with Colony Bankcorp Inc $NAS:CBAN.
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» NAS:CBAN's 30-Y Financials

Financials (Next Earnings Date: 2017-07-20 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q2 2016

CBAN Guru Trades in Q2 2016

Jim Simons 33,400 sh (+5.03%)
Bernard Horn 169,774 sh (unchged)
Arnold Schneider 21,772 sh (-10.67%)
» More
Q3 2016

CBAN Guru Trades in Q3 2016

Jim Simons 35,700 sh (+6.89%)
Bernard Horn 169,774 sh (unchged)
Arnold Schneider 20,772 sh (-4.59%)
» More
Q4 2016

CBAN Guru Trades in Q4 2016

Jim Simons 39,200 sh (+9.80%)
Bernard Horn 169,774 sh (unchged)
Arnold Schneider 13,272 sh (-36.11%)
» More
Q1 2017

CBAN Guru Trades in Q1 2017

Jim Simons 49,600 sh (+26.53%)
Bernard Horn 169,774 sh (unchged)
Arnold Schneider 10,272 sh (-22.60%)
» 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    NAICS: 551111    SIC: 6022
Compare:NAS:OVLY, NAS:MPB, NAS:LARK, OTCPK:MNAT, NAS:SAL, NAS:FSFG, OTCPK:CABC, OTCPK:CPKF, OTCPK:EFSI, OTCPK:FDBC, OTCPK:KTYB, NAS:HWBK, OTCPK:HLAN, OTCPK:EMYB, NAS:ACFC, NAS:CBFV, NAS:CIZN, NAS:FUNC, OTCPK:CHBH, OTCPK:FOFN » details
Headquarter Location:USA
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
PE Ratio 14.73
CBAN's PE Ratio is ranked lower than
55% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. CBAN: 14.73 )
Ranked among companies with meaningful PE Ratio only.
CBAN' s PE Ratio Range Over the Past 10 Years
Min: 9.66  Med: 14.65 Max: 106.88
Current: 14.73
9.66
106.88
PE Ratio without NRI 14.73
CBAN's PE Ratio without NRI is ranked lower than
55% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. CBAN: 14.73 )
Ranked among companies with meaningful PE Ratio without NRI only.
CBAN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.66  Med: 14.65 Max: 106.88
Current: 14.73
9.66
106.88
Price-to-Owner-Earnings 15.99
CBAN's Price-to-Owner-Earnings is ranked higher than
55% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. CBAN: 15.99 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CBAN' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.68  Med: 11.35 Max: 62.41
Current: 15.99
3.68
62.41
PB Ratio 1.31
CBAN's PB Ratio is ranked lower than
59% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CBAN: 1.31 )
Ranked among companies with meaningful PB Ratio only.
CBAN' s PB Ratio Range Over the Past 10 Years
Min: 0.24  Med: 0.85 Max: 2.08
Current: 1.31
0.24
2.08
PS Ratio 2.47
CBAN's PS Ratio is ranked higher than
68% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. CBAN: 2.47 )
Ranked among companies with meaningful PS Ratio only.
CBAN' s PS Ratio Range Over the Past 10 Years
Min: 0.36  Med: 1.24 Max: 3.2
Current: 2.47
0.36
3.2
Price-to-Free-Cash-Flow 10.48
CBAN's Price-to-Free-Cash-Flow is ranked higher than
56% of the 856 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. CBAN: 10.48 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CBAN' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.95  Med: 3.74 Max: 14.91
Current: 10.48
0.95
14.91
Price-to-Operating-Cash-Flow 8.58
CBAN's Price-to-Operating-Cash-Flow is ranked higher than
60% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.46 vs. CBAN: 8.58 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CBAN' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.93  Med: 3.3 Max: 10.01
Current: 8.58
0.93
10.01
EV-to-EBIT 10.86
CBAN's EV-to-EBIT is ranked higher than
54% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. CBAN: 10.86 )
Ranked among companies with meaningful EV-to-EBIT only.
CBAN' s EV-to-EBIT Range Over the Past 10 Years
Min: -20.1  Med: 13.1 Max: 6437.5
Current: 10.86
-20.1
6437.5
EV-to-EBITDA 9.93
CBAN's EV-to-EBITDA is ranked higher than
56% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. CBAN: 9.93 )
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 Max: 96.2
Current: 9.93
-47.8
96.2
PEG Ratio 0.63
CBAN's PEG Ratio is ranked higher than
79% of the 821 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. CBAN: 0.63 )
Ranked among companies with meaningful PEG Ratio only.
CBAN' s PEG Ratio Range Over the Past 10 Years
Min: 0.25  Med: 0.86 Max: 3.74
Current: 0.63
0.25
3.74
Shiller PE Ratio 120.06
CBAN's Shiller PE Ratio is ranked lower than
97% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.54 vs. CBAN: 120.06 )
Ranked among companies with meaningful Shiller PE Ratio only.
CBAN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.53  Med: 14.81 Max: 120.06
Current: 120.06
3.53
120.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.36
CBAN's Dividend Yield % is ranked lower than
97% of the 2354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. CBAN: 0.36 )
Ranked among companies with meaningful Dividend Yield % only.
CBAN' s Dividend Yield % Range Over the Past 10 Years
Min: 0.18  Med: 2.64 Max: 7.42
Current: 0.36
0.18
7.42
Dividend Payout Ratio 0.03
CBAN's Dividend Payout Ratio is ranked higher than
99% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CBAN: 0.03 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CBAN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.03  Med: 0.85 Max: 1.39
Current: 0.03
0.03
1.39
Forward Dividend Yield % 0.72
CBAN's Forward Dividend Yield % is ranked lower than
95% of the 2231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. CBAN: 0.72 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.36
CBAN's 5-Year Yield-on-Cost % is ranked lower than
97% of the 2778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.98 vs. CBAN: 0.36 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CBAN' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.18  Med: 2.64 Max: 7.42
Current: 0.36
0.18
7.42

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.31
CBAN's Price-to-Tangible-Book is ranked lower than
53% of the 1573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. CBAN: 1.31 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CBAN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.28  Med: 1.19 Max: 3.46
Current: 1.31
0.28
3.46
Price-to-Intrinsic-Value-Projected-FCF 0.43
CBAN's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
79% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. CBAN: 0.43 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CBAN' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.08  Med: 0.32 Max: 1.28
Current: 0.43
0.08
1.28
Price-to-Median-PS-Value 1.99
CBAN's Price-to-Median-PS-Value is ranked lower than
91% of the 1527 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CBAN: 1.99 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CBAN' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.34  Med: 1.73 Max: 8.23
Current: 1.99
0.34
8.23
Price-to-Peter-Lynch-Fair-Value 0.64
CBAN's Price-to-Peter-Lynch-Fair-Value is ranked higher than
80% of the 451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CBAN: 0.64 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
CBAN' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.48  Med: 1.05 Max: 1.52
Current: 0.64
0.48
1.52
Price-to-Graham-Number 0.98
CBAN's Price-to-Graham-Number is ranked lower than
51% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. CBAN: 0.98 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CBAN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.48  Med: 0.91 Max: 1.97
Current: 0.98
0.48
1.97
Earnings Yield (Greenblatt) % 9.21
CBAN's Earnings Yield (Greenblatt) % is ranked higher than
65% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.91 vs. CBAN: 9.21 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CBAN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -24.5  Med: 7.1 Max: 12.8
Current: 9.21
-24.5
12.8
Forward Rate of Return (Yacktman) % 42.42
CBAN's Forward Rate of Return (Yacktman) % is ranked higher than
90% of the 934 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. CBAN: 42.42 )
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: 38.3 Max: 109.5
Current: 42.42
5.3
109.5

More Statistics

Revenue (TTM) (Mil) $48.23
EPS (TTM) $ 0.94
Beta0.60
Short Percentage of Float0.03%
52-Week Range $9.37 - 14.55
Shares Outstanding (Mil)8.44

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