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 undervalued, supported by a P/E ratio of 11, a Price to Book Value of 0.95, and a PEG Ratio of 0.75, which all 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 is significantly lower than Bankwell Financial Group, Inc. at 17.22, and also more favorable than Plumas Bancorp's P/E of 10.52. The company's recent stock performance shows a 1-year return of 1.55%, which lags behind the S&P 500's return of 14.08%, and a 3-year return of 15.26% compared to the S&P 500's 81.19%, reinforcing the notion that Colony Bankcorp is undervalued relative to its growth potential.