CBAN (Colony Bankcorp) Cyclically Adjusted Book per Share: $16.44 (As of Jun. 2026)

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CBAN Colony Bankcorp Inc CBAN
58 GF Score
Price $21.41
GF Value $18.44
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Colony Bankcorp Cyclically Adjusted Book per Share?

Colony Bankcorp CBAN -0.14% 58 Cyclically Adjusted Book per Share is $16.44 as of Jun. 2026. GuruFocus rates CBAN with a GF Score™ of 58/100 and a GF Value™ of $18.44 (Modestly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Colony Bankcorp's adjusted book value per share for the three months ended in Jun. 2026 was $18.431. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $16.44 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Colony Bankcorp's average Cyclically Adjusted Book Growth Rate was 6.60% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 6.20% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 7.70% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 5.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Colony Bankcorp was 9.30% per year. The lowest was -1.10% per year. And the median was 2.55% per year.

As of today (2026-08-20), Colony Bankcorp's current stock price is $21.41. Colony Bankcorp's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was $16.44. Colony Bankcorp's Cyclically Adjusted PB Ratio of today is 1.30.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Colony Bankcorp was 1.87. The lowest was 0.65. And the median was 1.28.


Colony Bankcorp  (NYSE:CBAN) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Colony Bankcorp's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=21.41/16.44
=1.30

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Colony Bankcorp was 1.87. The lowest was 0.65. And the median was 1.28.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Colony Bankcorp Cyclically Adjusted Book per Share Related Terms


Colony Bankcorp Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Colony Bankcorp's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Colony Bankcorp Cyclically Adjusted Book per Share Chart

Colony Bankcorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.07 13.14 13.97 14.85 15.73

Colony Bankcorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 15.42 15.64 15.73 16.14 16.44

CBAN vs PBAM, WTBA, BMRC: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Colony Bankcorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Colony Bankcorp Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Colony Bankcorp's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Colony Bankcorp's Cyclically Adjusted PB Ratio falls into.


CBAN
58GF Score
Colony Bankcorp Inc CBAN
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Colony Bankcorp Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Colony Bankcorp's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=18.431/333.9520*333.9520
=18.431

Current CPI (Jun. 2026) = 333.9520.

Colony Bankcorp Quarterly Data

Book Value per Share CPI Adj_Book
201609 10.235 241.428 14.157
201612 9.957 241.432 13.773
201703 10.174 243.801 13.936
201706 10.545 244.955 14.376
201709 10.855 246.819 14.687
201712 10.703 246.524 14.499
201803 10.661 249.554 14.267
201806 10.457 251.989 13.858
201809 10.537 252.439 13.939
201812 11.331 251.233 15.062
201903 11.968 254.202 15.723
201906 13.318 256.143 17.364
201909 13.649 256.759 17.752
201912 13.739 256.974 17.855
202003 14.325 258.115 18.534
202006 14.590 257.797 18.900
202009 14.775 260.280 18.957
202012 15.211 260.474 19.502
202103 15.105 264.877 19.044
202106 15.464 271.696 19.007
202109 15.879 274.310 19.332
202112 15.921 278.802 19.070
202203 14.232 287.504 16.531
202206 13.344 296.311 15.039
202209 12.815 296.808 14.419
202212 13.085 296.797 14.723
202303 13.572 301.836 15.016
202306 13.650 305.109 14.940
202309 13.587 307.789 14.742
202312 14.515 306.746 15.802
202403 14.802 312.332 15.827
202406 15.095 314.175 16.045
202409 15.725 315.301 16.655
202412 15.906 315.605 16.831
202503 16.413 319.799 17.139
202506 16.872 322.561 17.468
202509 17.315 324.800 17.803
202512 17.689 324.054 18.229
202603 17.976 330.213 18.180
202606 18.431 333.952 18.431

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $16.44 mean?
Colony Bankcorp (CBAN) has a Cyclically Adjusted Book per Share of $16.44 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Colony Bankcorp and its competitors.
Is Colony Bankcorp's Cyclically Adjusted Book per Share too high?
Colony Bankcorp's current Cyclically Adjusted Book per Share is $16.44. Overall, Colony Bankcorp has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Colony Bankcorp's Cyclically Adjusted Book per Share compare to PBAM and WTBA?
Colony Bankcorp's Cyclically Adjusted Book per Share of $16.44 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Colony Bankcorp and its competitors. Colony Bankcorp's current Cyclically Adjusted Book per Share is $16.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Colony Bankcorp stock overvalued right now?
Based on GuruFocus' analysis, Colony Bankcorp (CBAN) is currently considered Modestly Overvalued. The stock's GF Value™ is $18.44, compared to a current price of $21.41 — trading 16.1% above its estimated fair value. The current Cyclically Adjusted Book per Share is $16.44. Colony Bankcorp's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Colony Bankcorp (CBAN), the current Cyclically Adjusted Book per Share is $16.44 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Colony Bankcorp (CBAN) Overvalued in 2026?

Based on GuruFocus' analysis, Colony Bankcorp stock appears to be overvalued. The current stock price of $21.41 is trading 16.1% above its estimated GF Value™ of $18.44. GuruFocus considers Colony Bankcorp to be Modestly Overvalued.

Key valuation signals for CBAN:

  • Cyclically Adjusted Book per Share: $16.44
  • GF Value™: $18.44 vs. price of $21.41 (16.1% above fair value)
  • GF Score™: 58/100 with 7 warning signs

No single metric tells the full story. See the CBAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Colony Bankcorp Business Description

Address 115 South Grant Street, Fitzgerald, GA, USA, 31750
Colony Bankcorp Inc is a 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 company's segments include the Banking Division, Retail Mortgage Division and small business specialty lending divisions. It generates maximum revenue from the Banking Division.
58GF Score

Get the complete analysis for CBAN

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.41
Price
$18.44
GF Value