US · CBAN
Colony Bankcorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Fitzgerald, GA 31750
- Website
- colonybank.com
Price · as of 2024-12-31
$19.83
Market cap 352.78M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $31.35 | +58.09% |
| Intrinsic Value(DCF) | $15.44 | -22.14% |
| Graham-Dodd Method(GD) | $13.13 | -33.77% |
| Graham Formula(GF) | $24.06 | +21.31% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $3.23 | $28.69 | $9.13 | $9.12 | $0.00 |
| 2011 | $2.95 | $95.49 | $11.68 | $10.46 | $0.00 |
| 2012 | $4.29 | $45.64 | $23.54 | $12.91 | $0.27 |
| 2013 | $4.98 | $60.02 | $23.38 | $13.40 | $1.31 |
| 2014 | $6.51 | $48.94 | $25.61 | $6.43 | $7.77 |
| 2015 | $7.26 | $54.77 | $25.89 | $11.85 | $7.12 |
| 2016 | $10.81 | $61.41 | $31.25 | $13.38 | $9.93 |
| 2017 | $12.03 | $60.97 | $36.29 | $13.23 | $9.93 |
| 2018 | $14.10 | $46.47 | $39.47 | $15.38 | $18.77 |
| 2019 | $10.88 | $121.56 | $124.45 | $13.66 | $37.98 |
| 2020 | $13.03 | $781.62 | $43.38 | $13.75 | $30.58 |
| 2021 | $16.01 | $282.84 | $125.02 | $16.98 | $49.00 |
| 2022 | $10.01 | $37.99 | $75.16 | $9.99 | $29.25 |
| 2023 | $10.46 | $57.90 | $14.81 | $11.32 | $41.77 |
| 2024 | $15.89 | $31.35 | $22.33 | $13.13 | $24.05 |
AI valuation
Our deep-learning model estimates Colony Bankcorp, Inc.'s (CBAN) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $31.35
- Current price
- $19.83
- AI upside
- +58.09%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$15.44
-22.14% upside
Graham-Dodd
$13.13
-33.77% upside
Graham Formula
$24.06
+21.31% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CBAN | Colony Bankcorp, Inc. | $19.83 | 352.78M | +58% | -22% | -34% | +21% | 11.69 | 1.00 | 1.58 | 12.26 | 120.77 | 1.23 | 63.64% | 16.74% | 13.51% | 8.95% | 9.14% | 0.77% | 0.89 | 0.48 | 0.03 | 0.03 | 5.89 | 968.00% | 1001.00% | 2854.00% | 8.00% | 0.01 | 8.54% | 2.83% | 33.10% | 3.30% | 15.63 | 20.70 | 2.62 | -0.76 |
| BCML | BayCom Corp | $29.40 | 320.39M | +75% | -14% | +7% | -17% | 12.10 | 0.88 | 2.08 | 9.81 | — | 1.01 | 69.62% | 23.33% | 17.15% | 7.41% | 6.21% | 0.91% | 0.27 | 0.79 | 0.03 | 0.02 | 1.79 | -749.00% | 361.00% | -8.00% | 10.03% | 0.01 | 7.54% | 1.18% | 14.30% | 6.05% | 10.81 | 12.11 | 2.52 | -0.73 |
| COSO | CoastalSouth Bancshares, … | $24.55 | 294.08M | — | — | +20% | +83% | — | — | — | — | — | — | 54.61% | 20.98% | 16.89% | 12.47% | -263.38% | 1.06% | 0.08 | 0.47 | 0.05 | 0.05 | -1.81 | -1899.00% | 1341.00% | -13824.00% | — | -0.01 | 169.34% | — | 0.00% | — | — | — | — | — |
| CZNC | Citizens & Northern Corpo… | $22.46 | 344.77M | +224% | -21% | +10% | -52% | 15.61 | 1.07 | 2.37 | 0.02 | — | 1.37 | 65.34% | 18.58% | 15.19% | 7.59% | 42.26% | 0.82% | 0.55 | 0.60 | — | — | 5.01 | -1361.00% | -82.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 0.02 | — | 0.00 | 0.18 |
| FNLC | The First Bancorp, Inc. | $27.65 | 310.21M | +24% | -14% | -61% | +101% | 9.85 | 1.05 | 1.61 | 2.53 | — | 1.20 | 48.20% | 19.70% | 16.35% | 10.91% | 77.71% | 0.89% | 0.58 | 0.38 | 0.12 | 0.12 | 2.77 | -865.00% | 1519.00% | -2833.00% | 9.23% | 0.01 | 70.61% | 5.93% | 58.40% | 6.01% | 2.71 | 3.59 | 0.53 | -0.69 |
| FSBW | FS Bancorp, Inc. | $39.51 | 297.05M | +43% | -11% | +13% | +104% | 8.07 | 0.96 | 1.39 | 8.38 | — | 1.05 | 66.99% | 20.41% | 17.19% | 12.50% | 12.07% | 1.17% | 1.20 | 0.67 | 0.09 | 0.09 | 6.17 | -439.00% | 996.00% | -3528.00% | 17.41% | 0.02 | 16.95% | 2.92% | 23.60% | 3.95% | 10.50 | 8.88 | 2.14 | -0.55 |
| ISBA | Isabella Bank Corporation | $47.56 | 348.86M | +241% | -10% | -21% | -4% | 18.94 | 1.55 | 3.20 | -0.90 | 50.34 | 1.96 | 70.60% | 19.76% | 16.88% | 8.56% | -45.32% | 0.88% | 0.62 | 0.66 | 0.43 | 0.43 | 5.40 | 3763.00% | 1011.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.90 | — | -0.18 | -0.10 |
| JMSB | John Marshall Bancorp, In… | $19.20 | 272.73M | +102% | -12% | +2% | +137% | 14.21 | 0.99 | 2.16 | 7.90 | 6.09 | 0.99 | 47.76% | 19.46% | 15.23% | 7.19% | 18.06% | 0.76% | 0.35 | 0.37 | 0.08 | 0.08 | -1.54 | 23333.00% | 3096.00% | -354.00% | 6.90% | 0.01 | 17.70% | 1.46% | 20.80% | 1.49% | 8.51 | 11.10 | 1.66 | -0.68 |
| PLBC | Plumas Bancorp | $50.30 | 349.86M | -16% | +755% | -26% | — | 8.83 | 1.42 | 3.47 | -5.07 | — | 1.47 | 83.76% | 53.53% | 39.28% | 17.60% | -9.68% | 1.77% | 0.35 | 3.67 | 0.37 | 0.37 | -0.50 | -438.00% | -1417.00% | -1727.00% | 11.81% | 0.02 | -10.09% | 2.52% | 22.20% | 22.54% | -5.26 | -6.88 | -2.82 | -0.27 |
| TSBK | Timberland Bancorp, Inc. | $38.08 | 300.24M | -25% | -9% | -10% | +60% | 9.33 | 1.04 | 2.46 | 0.34 | 42.56 | 1.10 | 70.10% | 32.79% | 26.39% | 11.48% | 247.17% | 1.48% | 0.09 | 1.13 | 0.17 | 0.17 | -5.88 | 2193.00% | 881.00% | 3092.00% | 10.44% | 0.02 | 240.91% | 2.97% | 27.70% | 32.35% | 0.37 | 0.47 | 0.12 | -0.48 |
| WSBF | Waterstone Financial, Inc… | $17.81 | 328.72M | +578% | -43% | +52% | -23% | 12.20 | 0.92 | 1.60 | 13.16 | 26.22 | 0.92 | 71.24% | 16.59% | 13.10% | 7.67% | 4.97% | 1.18% | 1.18 | 0.56 | 11.12 | 1.68 | 10.43 | 4653.00% | 112.00% | -9642.00% | 0.52% | 0.01 | 0.32% | 0.00% | 0.00% | 19.36% | 13.16 | 261.43 | 2.18 | 1.36 |
About Colony Bankcorp, Inc.
Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and consumer customers. The company offers various deposit products, including demand, savings, and time deposits. It also provides loans to small and medium-sized businesses; residential and commercial construction, and land development loans; commercial real estate loans; commercial loans; agri-business and production loans; residential mortgage loans; home equity loans; and consumer loans. In addition, the company offers internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, and remote depository products, as well as access to a network of ATMs. As of January 20, 2022, it operated 39 locations throughout Georgia. The company was founded in 1975 and is headquartered in Fitzgerald, Georgia.
- CEO
- T. Heath Fountain
- Employees
- 443
- Beta
- 0.64
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($15.44 ÷ $19.83) − 1 = -22.14% (DCF, example).