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Colony BankcorpCBAN -0.28%58 Debt-to-Equity is 0.60 as of Jun. 2026, which is 14% below its 10-year median of 0.70. 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. Among 1,419 Banks companies, Colony Bankcorp ranks worse than 50.74% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Colony Bankcorp's Debt-to-Equity or its related term are showing as below:
CBAN'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.3 Med: 0.7 Max: 1.04
Current: 0.6
During the past 13 years, the highest Debt-to-Equity Ratio of Colony Bankcorp was 1.04. The lowest was 0.30. And the median was 0.70.
CBAN's Debt-to-Equity is ranked worse than 50.74% of 1419
companies
in the Banks industry
Industry Median: 0.58
vs CBAN: 0.60
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Colony Bankcorp Debt-to-Equity Related Terms
Colony Bankcorp Debt-to-Equity Historical Data
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The historical data trend for Colony Bankcorp's Debt-to-Equity 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.
CBAN vs PBAM, WTBA, BMRC: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Colony Bankcorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Colony Bankcorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Colony Bankcorp's Debt-to-Equity falls into.
* 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 (CBAN) has a Debt-to-Equity of 0.60 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Colony Bankcorp and its competitors. This is 14% below median its historical median of 0.70. Over the past decade, Colony Bankcorp's Debt-to-Equity has ranged from 0.30 to 1.04. According to the industry distribution chart, Colony Bankcorp ranks #720 out of 1419 companies in the Banks industry, placing it in the top 50.7%.
Is Colony Bankcorp's Debt-to-Equity too high?
Colony Bankcorp's current Debt-to-Equity of 0.60 is 14% below median its 10-year median of 0.70. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 1.04. The Banks industry median Debt-to-Equity is 0.58. Colony Bankcorp's value of 0.60 is 3.4% above this industry median. Based on the distribution chart, Colony Bankcorp ranks #720 out of 1419 companies in the Banks industry, which is below the industry midpoint. 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 Debt-to-Equity compare to PBAM and WTBA?
According to the Banks industry distribution chart, Colony Bankcorp ranks #720 out of 1419 companies for Debt-to-Equity. This places Colony Bankcorp in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Colony Bankcorp's value of 0.60 is 3.4% above this benchmark. Historically, Colony Bankcorp's own Debt-to-Equity has ranged from 0.30 to 1.04 over the past decade. While the company's 10-year median is 0.70 vs. the industry median of 0.58, Colony Bankcorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Colony Bankcorp's current Debt-to-Equity of 0.60 is 3.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Colony Bankcorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Colony Bankcorp's current Debt-to-Equity is 0.60, which is 14% below median its own 10-year median of 0.70. 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 Debt-to-Equity is 0.60, which is 14% below median its 10-year median of 0.70 and 3.4% above the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Colony Bankcorp (CBAN), the current Debt-to-Equity is 0.60 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:
Debt-to-Equity: 0.60 (14% below median its 10-year median of 0.70)
GF Value™: $18.44 vs. price of $21.38 (15.9% above fair value)
Industry Position: 3.4% above the Banks median (#720 of 1419)
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 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
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