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About The Company

CEO

Mr. T. Heath Fountain

Market Cap

225.81 Million USD

Sector

Financial Services

Website

https://www.colonybank.com

Description

Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and consumer customers.

Read More

Overview

Value

60

Growth

38

Health

62

Management

34

Analyst Opinion

89

Total

57

All Scores Out Of 100

Best Features

  • Has a low level of debt
  • Has strong financial health
  • Price-to-earnings ratio of 11.3 is lower than the market average (19.6x)
  • Liked by analysts
  • Has strong dividend growth

Risk Factors

  • Earnings have declined recently
  • There is a history of diluting shareholders
  • Poor earnings and cashflow growth

Market Peers

CBAN

Key Figures

PE Ratio (TTM)

11.33

Margin Of Safety (DCF)

48.45%

Revenue Growth (5 Year Average)

17.59%

Ratings Consensus

Strong Buy

Share Buybacks

-10.07%

Dividend Yeild (TTM)

2.82%

Valuation

Value Score

60

  • Price-to-earnings ratio of 11.3 is lower than the market average (19.6x)
  • Free-cashflow-yeild of 11.61% is better than the market average (4.7%)
  • Margin-of-safety of 48.45% is better than the market average (17.95%)
  • Estimated intrinsic-value of 19.00 USD is higher than current price ( 12.80 USD)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: < 22.4 USD

Current Price: 12.8 USD

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

11.33x

Free Cashflow Yeild

11.61%

PE/Earnings Growth

0.33

Price/Book

1.00x

Growth

Growth Score

38

  • 5 Year Average Revenue growth of 17.59% is higher than the market average (10.97%)
  • Revenue growth has improved this yeara
  • 5 Year Average Earnings growth of 14.74% is higher than the market average (14.48%)
  • Earnings growth has slowed this year
  • 5 Year Average Free Cashflow growth of -12.31% is lower than the market average (12.35%)
  • Free Cashflow growth has slowed this year

Revenue Growth

17.59%

Earnings Growth

14.74%

Cashflow Growth

-12.31%

Health

Health Score

62

  • Has a low level of debt
  • Assets cover liabilities
  • Low financial Leverage
  • Normal operation does not require debt to be sustainable
  • Debt repayments do not significantly impact cashflow

Altman Z Score

N/A

Piostroski Score

N/A

Debt/Equity

0.41x

Current Assets/Liabilities

180.15x

Free Cashflow/Total Debt

0.34x

Debt/Capital

0.09x

Dividend

Secure Dividend Score

68

  • Dividend yeild of 2.82% is more than the market average (1.85%)
  • Dividend is likely safe
  • Long term dividend payout ratio of 24.15% is considered good
  • Payout ratio (TTM) of 35.13% is lower than the average (40%)
  • Dividends have shown growth over the last 5 years
  • Dividend growth has been slowing recently
  • Spending a higher percentage of their income on dividends than last 5 years

Dividend Yeild

2.82%

Dividend Growth

15.49%

Payout Ratio (Earnings)

35.13%

Payout Ratio (Cashflow)

24.33%

Management

Management Score

34

  • Has returned higher dividends when earnings have risen
  • Return-on-capital-employed of 1.66% is lower than the market average (10%)
  • Has issued new shares whilst share price is low
  • Has a history of diluting shareholders to finance activity
  • Return-on-equity of 13.45% is lower than the market average (15%)

Average Buybacks/Dilution

-10.07%

Recent Buybacks/Dilution

56.75%

5 Year Price Volitility

14.68%

Return On Assets

1.09%

Return On Capital Employed

1.66%

Return On Equity

13.45%

Return On Free Cashflow

-125.49%

Return On Investments

1.55%

Analysts

Analyst Opinion

89

  • Ratings consensus is Strong Buy

SEC Filings

Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

Other Information

Company Name

Colony Bankcorp, Inc.

Currency

USD

Beta

0.550401

Vol Avg

42663

Ceo

Mr. T. Heath Fountain

Cik

0000711669

Cusip

19623P101

Exchange

NASDAQ Global Market

Full Time Employees

486

Industry

Banks—Regional

Sector

Financial Services

Ipo Date

1958-09-16

Address

115 S Grant St

City

Fitzgerald

State

GEORGIA

Country

US

Zip

31750

Phone

12294266000

All financial data provided by FMP

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