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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 : 3/10

vs
industry
vs
history
Cash-to-Debt 0.62
CBAN's Cash-to-Debt is ranked lower than
63% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. CBAN: 0.62 )
Ranked among companies with meaningful Cash-to-Debt only.
CBAN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.52 Max: 13.52
Current: 0.62
0.15
13.52
Equity-to-Asset 0.07
CBAN's Equity-to-Asset is ranked lower than
78% of the 1386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. CBAN: 0.07 )
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: 0.07
0.06
0.09
Debt-to-Equity 0.88
CBAN's Debt-to-Equity is ranked lower than
58% of the 1222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.72 vs. CBAN: 0.88 )
Ranked among companies with meaningful Debt-to-Equity only.
CBAN' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12  Med: 0.88 Max: 1.44
Current: 0.88
0.12
1.44
Debt-to-EBITDA 1.56
CBAN's Debt-to-EBITDA is ranked higher than
58% of the 1236 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.99 vs. CBAN: 1.56 )
Ranked among companies with meaningful Debt-to-EBITDA only.
CBAN' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.56
Current: 1.56
0
1.56
Beneish M-Score: -2.51
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 : 3/10

vs
industry
vs
history
Net Margin % 19.01
CBAN's Net Margin % is ranked lower than
63% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 23.34 vs. CBAN: 19.01 )
Ranked among companies with meaningful Net Margin % only.
CBAN' s Net Margin % Range Over the Past 10 Years
Min: -39.06  Med: 7.9 Max: 19.01
Current: 19.01
-39.06
19.01
ROE % 10.53
CBAN's ROE % is ranked higher than
65% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.73 vs. CBAN: 10.53 )
Ranked among companies with meaningful ROE % only.
CBAN' s ROE % Range Over the Past 10 Years
Min: -23.83  Med: 2.9 Max: 10.53
Current: 10.53
-23.83
10.53
ROA % 0.78
CBAN's ROA % is ranked lower than
58% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CBAN: 0.78 )
Ranked among companies with meaningful ROA % only.
CBAN' s ROA % Range Over the Past 10 Years
Min: -1.5  Med: 0.32 Max: 0.78
Current: 0.78
-1.5
0.78
3-Year Revenue Growth Rate 0.40
CBAN's 3-Year Revenue Growth Rate is ranked lower than
71% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. CBAN: 0.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CBAN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -7.1  Med: 4.95 Max: 77.6
Current: 0.4
-7.1
77.6
3-Year EPS without NRI Growth Rate 15.10
CBAN's 3-Year EPS without NRI Growth Rate is ranked higher than
76% of the 1163 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.80 vs. CBAN: 15.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CBAN' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 7.6 Max: 71.8
Current: 15.1
0
71.8
GuruFocus has detected 4 Warning Signs with Colony Bankcorp Inc CBAN.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CBAN's 30-Y Financials

Financials (Next Earnings Date: 2019-01-19 Est.)


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

» Details

Guru Trades

Q3 2017

CBAN Guru Trades in Q3 2017

Jim Simons 54,000 sh (+2.27%)
Arnold Schneider 10,272 sh (unchged)
Bernard Horn 169,774 sh (unchged)
» More
Q4 2017

CBAN Guru Trades in Q4 2017

Jim Simons 58,627 sh (+8.57%)
Bernard Horn 169,774 sh (unchged)
Arnold Schneider 10,172 sh (-0.97%)
» More
Q1 2018

CBAN Guru Trades in Q1 2018

Jim Simons 66,582 sh (+13.57%)
Bernard Horn 169,774 sh (unchged)
Arnold Schneider Sold Out
» More
Q2 2018

CBAN Guru Trades in Q2 2018

Jim Simons 69,600 sh (+4.53%)
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 2018-03-31 Sold Out 0.03%$13.65 - $19.5 $ 17.5518%0
Arnold Schneider 2017-12-31 Reduce -0.97%$13.1 - $14.7 $ 17.5526%10,172
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 551111    SIC: 6022
Compare:OTCPK:KTYB, OTCPK:MNAT, NAS:FUNC, NAS:PLBC, NAS:BYBK, NAS:OPOF, NAS:CBFV, OTCPK:STND, NAS:TRCB, OTCPK:PBAM, OTCPK:CALB, OTCPK:BAYK, NAS:DNBF, NAS:HWBK, NAS:AUBN, OTCBB:FKYS, OTCPK:EMYB, OTCPK:TRIN, NAS:SBFG, NAS:BKSC » 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 is a single bank holding company. The bank provides a broad range of banking services to its retail and commercial customers. Its product line includes loans to small and medium-sized businesses, residential and commercial construction and land development loans, commercial real estate loans, agri-business and production loans, residential mortgage loans, consumer loans and a variety of demand, savings and time deposit products. The bank has twenty-seven locations to serve customers in central and South Georgia. It also offers internet banking services, electronic bill payment services, safe deposit box rentals, and telephone banking.

Guru Investment Theses on Colony Bankcorp Inc

Bernard Horn Comments on Colony Bankcorp - Apr 16, 2018

Colony Bankcorp (NASDAQ:CBAN)’s earnings were impacted by the one-time write down of deferred assets, per the newly-enacted Tax Reform Act. Excluding the one-time tax adjustment, earnings were 33% higher than the prior year, boosted by increased net interest income/noninterest income and a reduction in loan loss provisions. Although Colony (along with numerous other banking institutions) was impacted this quarter by the one-time expense, the lower tax rate may be positive for future earnings. The stock rose more than 15% during the quarter.

From Bernard Horn (Trades, Portfolio)'s first quarter 2018 shareholder letter.

Check out Bernard Horn latest stock trades

Top Ranked Articles about Colony Bankcorp Inc

Colony Bankcorp, Inc. Announces Employment Inducement Award
Colony Bankcorp, Inc. Announces Employment Inducement Award
Colony Bankcorp, Inc. Declares Third Quarter Dividend
Colony Bankcorp, Inc. Declares Second Quarter Dividend
Bernard Horn Comments on Colony Bankcorp Guru stock highlight
Colony Bankcorp (NASDAQ:CBAN)’s earnings were impacted by the one-time write down of deferred assets, per the newly-enacted Tax Reform Act. Excluding the one-time tax adjustment, earnings were 33% higher than the prior year, boosted by increased net interest income/noninterest income and a reduction in loan loss provisions. Although Colony (along with numerous other banking institutions) was impacted this quarter by the one-time expense, the lower tax rate may be positive for future earnings. The stock rose more than 15% during the quarter. Read more...
Colony Bankcorp, Inc. Declares Fourth Quarter Dividend

Ratios

vs
industry
vs
history
PE Ratio 16.10
CBAN's PE Ratio is ranked lower than
56% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. CBAN: 16.10 )
Ranked among companies with meaningful PE Ratio only.
CBAN' s PE Ratio Range Over the Past 10 Years
Min: 9.66  Med: 15.64 Max: 106.88
Current: 16.1
9.66
106.88
PE Ratio without NRI 16.10
CBAN's PE Ratio without NRI is ranked lower than
56% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. CBAN: 16.10 )
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: 15.64 Max: 106.88
Current: 16.1
9.66
106.88
Price-to-Owner-Earnings 17.69
CBAN's Price-to-Owner-Earnings is ranked lower than
62% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.15 vs. CBAN: 17.69 )
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: 10.95 Max: 62.41
Current: 17.69
3.68
62.41
PB Ratio 1.68
CBAN's PB Ratio is ranked lower than
74% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CBAN: 1.68 )
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: 1.77
Current: 1.68
0.24
1.77
PS Ratio 3.05
CBAN's PS Ratio is ranked higher than
57% of the 1373 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CBAN: 3.05 )
Ranked among companies with meaningful PS Ratio only.
CBAN' s PS Ratio Range Over the Past 10 Years
Min: 0.36  Med: 1.23 Max: 3.21
Current: 3.05
0.36
3.21
Price-to-Free-Cash-Flow 14.50
CBAN's Price-to-Free-Cash-Flow is ranked lower than
59% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. CBAN: 14.50 )
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: 3.73 Max: 15.29
Current: 14.5
0.95
15.29
Price-to-Operating-Cash-Flow 11.55
CBAN's Price-to-Operating-Cash-Flow is ranked lower than
51% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.07 vs. CBAN: 11.55 )
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: 3.27 Max: 12.18
Current: 11.55
0.93
12.18
EV-to-Revenue 3.56
CBAN's EV-to-Revenue is ranked higher than
62% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.50 vs. CBAN: 3.56 )
Ranked among companies with meaningful EV-to-Revenue only.
CBAN' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.4  Med: 2.7 Max: 3.8
Current: 3.56
1.4
3.8
Shiller PE Ratio 156.67
CBAN's Shiller PE Ratio is ranked lower than
98% of the 573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.24 vs. CBAN: 156.67 )
Ranked among companies with meaningful Shiller PE Ratio only.
CBAN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.53  Med: 15.62 Max: 212.5
Current: 156.67
3.53
212.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.00
CBAN's Dividend Yield % is ranked lower than
91% of the 2530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CBAN: 1.00 )
Ranked among companies with meaningful Dividend Yield % only.
CBAN' s Dividend Yield % Range Over the Past 10 Years
Min: 0.18  Med: 2.72 Max: 7.42
Current: 1
0.18
7.42
Dividend Payout Ratio 0.14
CBAN's Dividend Payout Ratio is ranked higher than
88% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CBAN: 0.14 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CBAN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.12  Med: 0.75 Max: 1.39
Current: 0.14
0.12
1.39
Forward Dividend Yield % 1.14
CBAN's Forward Dividend Yield % is ranked lower than
88% of the 2459 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. CBAN: 1.14 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.00
CBAN's 5-Year Yield-on-Cost % is ranked lower than
91% of the 2507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. CBAN: 1.00 )
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: 2.74 Max: 7.42
Current: 1
0.18
7.42

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.68
CBAN's Price-to-Tangible-Book is ranked lower than
64% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CBAN: 1.68 )
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: 1.27 Max: 3.46
Current: 1.68
0.28
3.46
Price-to-Intrinsic-Value-Projected-FCF 0.77
CBAN's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
57% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CBAN: 0.77 )
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: 0.37 Max: 1.37
Current: 0.77
0.08
1.37
Price-to-Median-PS-Value 2.47
CBAN's Price-to-Median-PS-Value is ranked lower than
96% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CBAN: 2.47 )
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: 1.78 Max: 8.33
Current: 2.47
0.34
8.33
Price-to-Graham-Number 1.10
CBAN's Price-to-Graham-Number is ranked lower than
56% of the 1212 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CBAN: 1.10 )
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: 0.92 Max: 1.97
Current: 1.1
0.48
1.97

More Statistics

Revenue (TTM) (Mil) $49.76
EPS (TTM) $ 1.09
Beta0.30
Volatility24.04%
52-Week Range $13.50 - 19.50
Shares Outstanding (Mil)8.44

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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