Colony Bankcorp, Inc. (CBAN) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Why is Colony Bankcorp, Inc. ?

High Profitability with a Net Interest Margin of 11.18%

Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26

The company has declared positive results for the last 2 consecutive quarters
NII(Q) Highest at USD 29.87 MM
ROCE(HY) Highest at 0.97%
NET SALES(Q) Highest at USD 45.78 MM

With ROA of 0.49%, it has a fair valuation with a 1.10 Price to Book Value

Over the past year, while the stock has generated a return of 37.64%, its profits have risen by 25.4% ; the PEG ratio of the company is 0.5

High Institutional Holdings at 70.25%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 10.78% over the previous quarter.

Market Beating performance in long term as well as near term

Along with generating 37.64% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How 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.

37.64%

3.52

25.61%

S&P 500

21.51%

1.63

13.19%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

18.89%

EBIT Growth (5y)

16.04%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

28.96%

Pledged Shares

Institutional Holding

59.47%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.10

EV to EBIT

10.75

EV to EBITDA

8.52

EV to Capital Employed

1.13

EV to Sales

2.11

PEG Ratio

0.53

Dividend Yield

2.08%

ROCE (Latest)

10.54%

ROE (Latest)

7.96%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

15What is working for the Company

NII(Q)

Highest at USD 29.87 MM

ROCE(HY)

Highest at 0.97%

NET SALES(Q)

Highest at USD 45.78 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 82.93%

OPERATING PROFIT(Q)

Highest at USD 14.82 MM

OPERATING PROFIT MARGIN(Q)

Highest at 32.38 %

PRE-TAX PROFIT(Q)

Highest at USD 14.64 MM

NET PROFIT(Q)

Highest at USD 11.6 MM

EPS(Q)

Highest at USD 0.51

-6What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 14.92 MM

DIVIDEND PAYOUT RATIO(Y)

Lowest at 23.39%

ROCE(HY)

Lowest at 0.97%

Here's what is working for Colony Bankcorp, Inc.

NII

Highest at USD 29.87 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 45.78 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Operating Profit

Highest at USD 14.82 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 32.38 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 14.64 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 11.6 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.51

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Highest at 82.93%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Colony Bankcorp, Inc.

Operating Cash Flow

Lowest at USD 14.92 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Dividend Payout Ratio

Lowest at 23.39% and Fallen

In each year in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)