ScoreComparison
Why is Colony Bankcorp, Inc. ?
1
High Profitability with a Net Interest Margin of 11.18%
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
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- NII(Q) Highest at USD 29.2 MM
- OPERATING CASH FLOW(Y) Highest at USD 46.74 MM
- NET SALES(Q) Highest at USD 44.89 MM
5
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 34.42%, its profits have risen by 25.4% ; the PEG ratio of the company is 0.5
6
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -0.52% over the previous quarter and currently hold 2.02% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
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.
34.42%
2.95
26.09%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.89%
EBIT Growth (5y)
16.04%
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
28.96%
Pledged Shares
0
Institutional Holding
59.47%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at USD 29.2 MM
OPERATING CASH FLOW(Y)
Highest at USD 46.74 MM
NET SALES(Q)
Highest at USD 44.89 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 79.17%
OPERATING PROFIT(Q)
Highest at USD 12.11 MM
PRE-TAX PROFIT(Q)
Highest at USD 12.11 MM
NET PROFIT(Q)
Highest at USD 9.49 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Colony Bankcorp, Inc.
NII
Highest at USD 29.2 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 44.89 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Cash Flow
Highest at USD 46.74 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 12.11 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 12.11 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 9.49 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Credit Deposit Ratio
Highest at 79.17%
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 (%)
Depreciation
Highest at USD 3.19 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 3.19 MM has Grown at 38.37%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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