Is Colony Bankcorp, Inc. overvalued or undervalued?

As of 17 October 2025, the valuation grade for Colony Bankcorp, Inc. has moved from attractive to very attractive, indicating a strong improvement in its valuation outlook. The company appears to be undervalued, supported by a P/E ratio of 11, a Price to Book Value of 0.95, and a PEG Ratio of 0.75, all of which suggest that the stock is trading at a discount relative to its earnings growth potential.
In comparison to peers, Colony Bankcorp's P/E ratio of 11 is significantly lower than Bankwell Financial Group, Inc.'s P/E of 17.22, which is considered expensive, and Plumas Bancorp's fair P/E of 10.52. Additionally, Colony's EV to EBITDA of 8.23 is more favorable than Parke Bancorp, Inc.'s EV to EBITDA of 8.89, which is also classified as very attractive. Despite recent underperformance relative to the S&P 500, with a 1-year return of 1.55% compared to the index's 14.08%, the overall valuation metrics suggest that Colony Bankcorp is positioned well for future growth.