FB Bancorp (NASDAQ:FBLA – Get Free Report) and Colony Bankcorp (NYSE:CBAN – Get Free Report) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, risk, dividends, institutional ownership, analyst recommendations, earnings and valuation.
Analyst Recommendations
This is a breakdown of current ratings and target prices for FB Bancorp and Colony Bankcorp, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| FB Bancorp | 1 | 0 | 0 | 0 | 1.00 |
| Colony Bankcorp | 0 | 0 | 1 | 0 | 3.00 |
Earnings and Valuation
This table compares FB Bancorp and Colony Bankcorp”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| FB Bancorp | $85.90 million | 3.02 | -$6.21 million | $0.15 | 87.20 |
| Colony Bankcorp | $126.05 million | 2.54 | $23.87 million | $1.59 | 11.54 |
Colony Bankcorp has higher revenue and earnings than FB Bancorp. Colony Bankcorp is trading at a lower price-to-earnings ratio than FB Bancorp, indicating that it is currently the more affordable of the two stocks.
Insider and Institutional Ownership
50.4% of Colony Bankcorp shares are owned by institutional investors. 2.2% of FB Bancorp shares are owned by insiders. Comparatively, 6.6% of Colony Bankcorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Volatility & Risk
FB Bancorp has a beta of 0.12, indicating that its share price is 88% less volatile than the S&P 500. Comparatively, Colony Bankcorp has a beta of 0.66, indicating that its share price is 34% less volatile than the S&P 500.
Profitability
This table compares FB Bancorp and Colony Bankcorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| FB Bancorp | -3.08% | -0.81% | -0.22% |
| Colony Bankcorp | 15.07% | 10.53% | 0.97% |
Summary
Colony Bankcorp beats FB Bancorp on 11 of the 13 factors compared between the two stocks.
About FB Bancorp
FB Bancorp Inc. operates as a bank holding company for Fidelity Bank. The Company, through its subsidiaries, provides deposit accounts, mortgages, home equity and consumer loans, credit and debit cards, online and mobile banking, investments and other financial services. FB Bancorp Inc. is based in New Orleans.
About Colony Bankcorp
Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and consumer customers. The company offers various deposit products, including demand, savings, and time deposits. It also provides loans to small and medium-sized businesses; residential and commercial construction, and land development loans; commercial real estate loans; commercial loans; agri-business and production loans; residential mortgage loans; home equity loans; and consumer loans. In addition, the company offers internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, and remote depository products, as well as access to a network of ATMs. As of January 20, 2022, it operated 39 locations throughout Georgia. The company was founded in 1975 and is headquartered in Fitzgerald, Georgia.
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