Is Colony Bankcorp, Inc. overvalued or undervalued?

As of 30 June 2025, the valuation grade for Colony Bankcorp, Inc. has moved from attractive to very attractive, indicating a stronger position in the market. The company appears to be undervalued, supported by a P/E ratio of 11, a Price to Book Value of 0.95, and an EV to EBITDA of 8.23. In comparison to peers, Bankwell Financial Group, Inc. has a significantly higher P/E ratio of 17.22, while Plumas Bancorp stands at 10.52, highlighting Colony Bankcorp's relative valuation advantage.
Colony Bankcorp's recent stock performance has outpaced the S&P 500, with a year-to-date return of 13.14% compared to the index's 12.22%. This suggests that the market may be recognizing its value, further reinforcing the notion that the company is undervalued.