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Colony BankcorpCBAN -0.42%58 5-Year Yield-on-Cost % is 2.60 as of Aug. 20, 2026, which is 10% below its 10-year median of 2.88. 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 1,250 Banks companies, Colony Bankcorp ranks worse than 72.4% on this metric.
Colony Bankcorp's yield on cost for the quarter that ended in Jun. 2026 was 2.60.
The historical rank and industry rank for Colony Bankcorp's 5-Year Yield-on-Cost % or its related term are showing as below:
CBAN'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.21 Med: 2.88 Max: 5.72
Current: 2.6
During the past 13 years, Colony Bankcorp's highest Yield on Cost was 5.72. The lowest was 0.21. And the median was 2.88.
CBAN's 5-Year Yield-on-Cost % is ranked worse than 72.4% of 1250
companies
in the Banks industry
Industry Median: 3.84
vs CBAN: 2.60
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Colony Bankcorp 5-Year Yield-on-Cost % Related Terms
CBAN vs PBAM, WTBA, BMRC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Colony Bankcorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Colony Bankcorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Colony Bankcorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Colony Bankcorp is calculated as
Colony Bankcorp (CBAN) has a 5-Year Yield-on-Cost % of 2.60 as of Aug. 20, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Colony Bankcorp and its competitors. This is 10% below median its historical median of 2.88. Over the past decade, Colony Bankcorp's 5-Year Yield-on-Cost % has ranged from 0.21 to 5.72. According to the industry distribution chart, Colony Bankcorp ranks #905 out of 1250 companies in the Banks industry, placing it in the top 72.4%.
Is Colony Bankcorp's 5-Year Yield-on-Cost % too high?
Colony Bankcorp's current 5-Year Yield-on-Cost % of 2.60 is 10% below median its 10-year median of 2.88. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 5.72. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Colony Bankcorp's value of 2.60 is 32.3% below this industry median. Based on the distribution chart, Colony Bankcorp ranks #905 out of 1250 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 5-Year Yield-on-Cost % compare to PBAM and WTBA?
According to the Banks industry distribution chart, Colony Bankcorp ranks #905 out of 1250 companies for 5-Year Yield-on-Cost %. This places Colony Bankcorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. Colony Bankcorp's value of 2.60 is 32.3% below this benchmark. Historically, Colony Bankcorp's own 5-Year Yield-on-Cost % has ranged from 0.21 to 5.72 over the past decade. While the company's 10-year median is 2.88 vs. the industry median of 3.84, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.84, based on 1,250 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Colony Bankcorp's current 5-Year Yield-on-Cost % of 2.60 is 32.3% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Colony Bankcorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Colony Bankcorp's current 5-Year Yield-on-Cost % is 2.60, which is 10% below median its own 10-year median of 2.88. 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 $21.35 — trading 15.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.60, which is 10% below median its 10-year median of 2.88 and 32.3% below the Banks industry median of 3.84. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Colony Bankcorp (CBAN), the current 5-Year Yield-on-Cost % is 2.60 as of Aug. 20, 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 $21.35 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:
5-Year Yield-on-Cost %: 2.60 (10% below median its 10-year median of 2.88)
GF Value™: $18.44 vs. price of $21.35 (15.8% above fair value)
Industry Position: 32.3% below the Banks median (#905 of 1250)
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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