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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
The historical rank and industry rank for Colony Bankcorp's Peter Lynch Fair Value or its related term are showing as below:
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of Colony Bankcorp was 2.95. The lowest was 0.76. And the median was 1.36.
CBAN's Price-to-Peter-Lynch-Fair-Value is not ranked *
in the Banks industry.
Industry Median: 1.1 * Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Colony Bankcorp (NYSE:CBAN) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 0 instead of 15 in this case.
Colony Bankcorp's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
21.35
/
N/A
=
N/A
* 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 Peter Lynch Fair Value Related Terms
Colony Bankcorp Peter Lynch Fair Value Historical Data
* Premium members only.
The historical data trend for Colony Bankcorp's Peter Lynch Fair Value 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: Peter Lynch Fair Value Comparison
For the Banks - Regional subindustry, Colony Bankcorp's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, Colony Bankcorp's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Colony Bankcorp's Price-to-Peter-Lynch-Fair-Value falls into.
Colony Bankcorp's EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was $1.78.
* Note that for companies that do not have enough quarterly data to calculate the 5-Year TTM EBITDA Growth Rate, we use the annual data for the calculation.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
Is Colony Bankcorp (CBAN) Overvalued in 2026?
Based on GuruFocus' analysis, Colony Bankcorp stock appears to be overvalued.
The current stock price of $21.35 is trading 15.8% above its estimated GF Value™ of $18.44.
GuruFocus considers Colony Bankcorp to be Modestly Overvalued.
Key valuation signals for CBAN:
Peter Lynch Fair Value: N/A
GF Value™: $18.44 vs. price of $21.35 (15.8% above fair value)
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
Get the complete analysis for CBAN
Peter Lynch Fair Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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