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Colony BankcorpCBAN +0.54%58 EV-to-FCF is 13.51 as of Jul. 16, 2026, which is 1% above its 10-year median of 13.32. GuruFocus rates CBAN with a GF Score™ of 58/100 and a GF Value™ of $17.75 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,193 Banks companies, Colony Bankcorp ranks worse than 72.34% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Colony Bankcorp's Enterprise Value is $396.3 Mil.
Colony Bankcorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $29.3 Mil. Therefore, Colony Bankcorp's EV-to-FCF for today is 13.51.
The historical rank and industry rank for Colony Bankcorp's EV-to-FCF or its related term are showing as below:
CBAN'
s EV-to-FCF Range Over the Past 10 Years
Min: -112.53 Med: 13.32 Max: 558.41
Current: 13.51
During the past 13 years, the highest EV-to-FCF of Colony Bankcorp was 558.41. The lowest was -112.53. And the median was 13.32.
CBAN's EV-to-FCF is ranked worse than 72.34% of 1193
companies
in the Banks industry
Industry Median: 6.65
vs CBAN: 13.51
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Colony Bankcorp's PE Ratio (TTM) for today is calculated as:
Colony Bankcorp's share price for today is $20.51.
Colony Bankcorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.600.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Colony Bankcorp EV-to-FCF Related Terms
Colony Bankcorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Colony Bankcorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Colony Bankcorp's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Colony Bankcorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Colony Bankcorp's EV-to-FCF falls into.
Colony Bankcorp's current Enterprise Value is $396.3 Mil.
Colony Bankcorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $29.3 Mil.
* 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 EV-to-FCF of 13.51 as of Jul. 16, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Colony Bankcorp and its competitors. This is near median its historical median of 13.32. According to the industry distribution chart, Colony Bankcorp ranks #863 out of 1193 companies in the Banks industry, placing it in the top 72.3%.
Is Colony Bankcorp's EV-to-FCF too high?
Colony Bankcorp's current EV-to-FCF of 13.51 is near median its 10-year median of 13.32. The Banks industry median EV-to-FCF is 6.65. Colony Bankcorp's value of 13.51 is 103.2% above this industry median. Based on the distribution chart, Colony Bankcorp ranks #863 out of 1193 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 EV-to-FCF compare to FRBA and GBFH?
According to the Banks industry distribution chart, Colony Bankcorp ranks #863 out of 1193 companies for EV-to-FCF. This places Colony Bankcorp in the lower half of its industry. The industry median EV-to-FCF is 6.65. Colony Bankcorp's value of 13.51 is 103.2% above this benchmark. While the company's 10-year median is 13.32 vs. the industry median of 6.65, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.65, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Colony Bankcorp's current EV-to-FCF of 13.51 is 103.2% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Colony Bankcorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Colony Bankcorp's current EV-to-FCF is 13.51, which is near median its own 10-year median of 13.32. 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 $17.75, compared to a current price of $20.51 — trading 15.5% above its estimated fair value. The current EV-to-FCF is 13.51, which is near median its 10-year median of 13.32 and 103.2% above the Banks industry median of 6.65. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Colony Bankcorp (CBAN), the current EV-to-FCF is 13.51 as of Jul. 16, 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 $20.51 is trading 15.5% above its estimated GF Value™ of $17.75.
GuruFocus considers Colony Bankcorp to be Modestly Overvalued.
Key valuation signals for CBAN:
EV-to-FCF: 13.51 (near median its 10-year median of 13.32)
GF Value™: $17.75 vs. price of $20.51 (15.5% above fair value)
Industry Position: 103.2% above the Banks median (#863 of 1193)
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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