Financial Review: Colony Bankcorp (CBAN) & Its Peers

Colony Bankcorp (NYSE:CBAN) is one of 87 publicly-traded companies in the “BANKS – SOUTHEAST” industry, but how does it contrast to its rivals? We will compare Colony Bankcorp to related companies based on the strength of its earnings, profitability, dividends, analyst recommendations, institutional ownership, risk and valuation.

Profitability

This table compares Colony Bankcorp and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Colony Bankcorp	15.07%	10.67%	0.98%
Colony Bankcorp Competitors	16.54%	9.98%	1.05%

Dividends

Colony Bankcorp pays an annual dividend of $0.46 per share and has a dividend yield of 2.8%. Colony Bankcorp pays out 28.9% of its earnings in the form of a dividend. As a group, “BANKS – SOUTHEAST” companies pay a dividend yield of 2.1% and pay out 24.1% of their earnings in the form of a dividend.

Analyst Recommendations

This is a summary of current ratings and recommmendations for Colony Bankcorp and its rivals, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Colony Bankcorp	0	0	1	0	3.00
Colony Bankcorp Competitors	462	2408	2156	114	2.37

As a group, “BANKS – SOUTHEAST” companies have a potential upside of 17.19%. Given Colony Bankcorp’s rivals higher possible upside, analysts clearly believe Colony Bankcorp has less favorable growth aspects than its rivals.

Insider and Institutional Ownership

50.4% of Colony Bankcorp shares are owned by institutional investors. Comparatively, 50.4% of shares of all “BANKS – SOUTHEAST” companies are owned by institutional investors. 6.6% of Colony Bankcorp shares are owned by insiders. Comparatively, 12.6% of shares of all “BANKS – SOUTHEAST” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Risk and Volatility

Colony Bankcorp has a beta of 0.72, indicating that its stock price is 28% less volatile than the S&P 500. Comparatively, Colony Bankcorp’s rivals have a beta of 0.64, indicating that their average stock price is 36% less volatile than the S&P 500.

Valuation and Earnings

This table compares Colony Bankcorp and its rivals top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Colony Bankcorp	$126.05 million	$23.87 million	10.29
Colony Bankcorp Competitors	$604.65 million	$154.64 million	14.01

Colony Bankcorp’s rivals have higher revenue and earnings than Colony Bankcorp. Colony Bankcorp is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Summary

Colony Bankcorp rivals beat Colony Bankcorp on 10 of the 15 factors compared.

Colony Bankcorp Company Profile

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.