CBAN (Colony Bankcorp) Cyclically Adjusted FCF per Share: $1.40 (As of Jun. 2026)

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CBAN Colony Bankcorp Inc CBAN
58 GF Score
Price $21.38
GF Value $18.44
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Colony Bankcorp Cyclically Adjusted FCF per Share?

Colony Bankcorp CBAN -0.28% 58 Cyclically Adjusted FCF per Share is $1.40 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Colony Bankcorp's adjusted free cash flow per share for the three months ended in Jun. 2026 was $0.386. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $1.40 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Colony Bankcorp's average Cyclically Adjusted FCF Growth Rate was -3.40% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -7.90% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was -1.80% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was -6.20% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Colony Bankcorp was 12.70% per year. The lowest was -15.70% per year. And the median was -1.40% per year.

As of today (2026-08-20), Colony Bankcorp's current stock price is $21.38. Colony Bankcorp's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was $1.40. Colony Bankcorp's Cyclically Adjusted Price-to-FCF of today is 15.27.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Colony Bankcorp was 18.32. The lowest was 4.57. And the median was 8.76.


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Colony Bankcorp's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=21.38/1.40
=15.27

* 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 Price-to-FCF of Colony Bankcorp was 18.32. The lowest was 4.57. And the median was 8.76.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Colony Bankcorp Cyclically Adjusted FCF per Share Related Terms


Colony Bankcorp Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Colony Bankcorp's Cyclically Adjusted FCF 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 FCF per Share Chart

Colony Bankcorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.43 1.47 1.35 1.31 1.15

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 FCF 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 1.45 1.46 1.15 1.37 1.40

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

For the Banks - Regional subindustry, Colony Bankcorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Colony Bankcorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Colony Bankcorp's Cyclically Adjusted Price-to-FCF falls into.


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

Colony Bankcorp Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.386/333.9520*333.9520
=0.386

Current CPI (Jun. 2026) = 333.9520.

Colony Bankcorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.249 241.428 0.344
201612 0.370 241.432 0.512
201703 0.561 243.801 0.768
201706 0.226 244.955 0.308
201709 0.369 246.819 0.499
201712 0.141 246.524 0.191
201803 0.425 249.554 0.569
201806 0.275 251.989 0.364
201809 0.419 252.439 0.554
201812 0.305 251.233 0.405
201903 0.478 254.202 0.628
201906 -0.292 256.143 -0.381
201909 -0.276 256.759 -0.359
201912 0.173 256.974 0.225
202003 0.281 258.115 0.364
202006 -0.135 257.797 -0.175
202009 -3.512 260.280 -4.506
202012 0.910 260.474 1.167
202103 2.839 264.877 3.579
202106 0.585 271.696 0.719
202109 0.464 274.310 0.565
202112 -0.584 278.802 -0.700
202203 1.338 287.504 1.554
202206 -0.674 296.311 -0.760
202209 1.395 296.808 1.570
202212 0.728 296.797 0.819
202303 0.596 301.836 0.659
202306 -0.336 305.109 -0.368
202309 0.435 307.789 0.472
202312 0.293 306.746 0.319
202403 0.281 312.332 0.300
202406 0.056 314.175 0.060
202409 1.149 315.301 1.217
202412 -0.217 315.605 -0.230
202503 1.005 319.799 1.049
202506 0.903 322.561 0.935
202509 0.805 324.800 0.828
202512 -2.898 324.054 -2.987
202603 2.537 330.213 2.566
202606 0.386 333.952 0.386

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $1.40 mean?
Colony Bankcorp (CBAN) has a Cyclically Adjusted FCF per Share of $1.40 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Colony Bankcorp and its competitors.
Is Colony Bankcorp's Cyclically Adjusted FCF per Share too high?
Colony Bankcorp's current Cyclically Adjusted FCF per Share is $1.40. 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 FCF per Share compare to PBAM and WTBA?
Colony Bankcorp's Cyclically Adjusted FCF per Share of $1.40 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 FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Colony Bankcorp and its competitors. Colony Bankcorp's current Cyclically Adjusted FCF per Share is $1.40. 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 $21.38 — trading 15.9% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $1.40. 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Colony Bankcorp (CBAN), the current Cyclically Adjusted FCF per Share is $1.40 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 $21.38 is trading 15.9% above its estimated GF Value™ of $18.44. GuruFocus considers Colony Bankcorp to be Modestly Overvalued.

Key valuation signals for CBAN:

  • Cyclically Adjusted FCF per Share: $1.40
  • GF Value™: $18.44 vs. price of $21.38 (15.9% 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 FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.38
Price
$18.44
GF Value