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Colony BankcorpCBAN -0.21%58 FCF Margin % is 19.42% as of Jun. 2026, which is 4% below its 10-year median of 20.29. 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 1,499 Banks companies, Colony Bankcorp ranks worse than 65.11% on this metric.
The historical data trend for Colony Bankcorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Colony Bankcorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Colony Bankcorp's FCF Margin % 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 FCF Margin % of 19.42% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Colony Bankcorp and its competitors. This is near median its historical median of 20.29. According to the industry distribution chart, Colony Bankcorp ranks #976 out of 1499 companies in the Banks industry, placing it in the top 65.1%.
Is Colony Bankcorp's FCF Margin % too high?
Colony Bankcorp's current FCF Margin % of 19.42% is near median its 10-year median of 20.29. The Banks industry median FCF Margin % is 27.17. Colony Bankcorp's value of 19.42% is 28.5% below this industry median. Based on the distribution chart, Colony Bankcorp ranks #976 out of 1499 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 FCF Margin % compare to PBAM and WTBA?
According to the Banks industry distribution chart, Colony Bankcorp ranks #976 out of 1499 companies for FCF Margin %. This places Colony Bankcorp in the lower half of its industry. The industry median FCF Margin % is 27.17. Colony Bankcorp's value of 19.42% is 28.5% below this benchmark. While the company's 10-year median is 20.29 vs. the industry median of 27.17, Colony Bankcorp has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.17, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Colony Bankcorp's current FCF Margin % of 19.42% is 28.5% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Colony Bankcorp and its competitors. For the Banks industry, the median FCF Margin % is 27.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Colony Bankcorp's current FCF Margin % is 19.42%, which is near median its own 10-year median of 20.29. 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 $21.40 — trading 16% above its estimated fair value. The current FCF Margin % is 19.42%, which is near median its 10-year median of 20.29 and 28.5% below the Banks industry median of 27.17. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Colony Bankcorp (CBAN), the current FCF Margin % is 19.42% 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 $21.40 is trading 16% above its estimated GF Value™ of $18.44.
GuruFocus considers Colony Bankcorp to be Modestly Overvalued.
Key valuation signals for CBAN:
FCF Margin %: 19.42% (near median its 10-year median of 20.29)
GF Value™: $18.44 vs. price of $21.40 (16% above fair value)
Industry Position: 28.5% below the Banks median (#976 of 1499)
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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