ScoreComparison
Why is Colony Bankcorp, Inc. ?
1
High Profitability with a Net Interest Margin of 12.58%
2
Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
4
Positive results in Jun 25
- NII(Q) Highest at USD 22.39 MM
- OPERATING CASH FLOW(Y) Highest at USD 43.27 MM
- ROCE(HY) Highest at 0.9%
5
With ROA of 0.55%, it has a very attractive valuation with a 0.95 Price to Book Value
- Over the past year, while the stock has generated a return of -3.98%, its profits have risen by 14.1% ; the PEG ratio of the company is 0.8
6
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -0.97% over the previous quarter and currently hold 4% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
7
Below par performance in long term as well as near term
- Along with generating -3.98% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Colony Bankcorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Colony Bankcorp, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Colony Bankcorp, Inc.
-1.59%
1.58
30.17%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.63%
EBIT Growth (5y)
20.17%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
33.10%
Pledged Shares
0
Institutional Holding
59.74%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.95
EV to EBIT
11.04
EV to EBITDA
8.23
EV to Capital Employed
0.94
EV to Sales
1.84
PEG Ratio
0.75
Dividend Yield
2.94%
ROCE (Latest)
8.56%
ROE (Latest)
8.76%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
NII(Q)
Highest at USD 22.39 MM
OPERATING CASH FLOW(Y)
Highest at USD 43.27 MM
ROCE(HY)
Highest at 0.9%
CASH AND EQV(HY)
Highest at USD 53.68 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 77.99%
NET SALES(Q)
Highest at USD 36.84 MM
OPERATING PROFIT(Q)
Highest at USD 10.03 MM
OPERATING PROFIT MARGIN(Q)
Highest at 27.23 %
PRE-TAX PROFIT(Q)
Highest at USD 10.03 MM
NET PROFIT(Q)
Highest at USD 7.98 MM
EPS(Q)
Highest at USD 0.46
-2What is not working for the Company
ROCE(HY)
Lowest at 0.9%
Here's what is working for Colony Bankcorp, Inc.
NII
Highest at USD 22.39 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 43.27 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 36.84 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 10.03 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 27.23 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 10.03 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 7.98 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.46
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 53.68 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 77.99%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
