What is Colony Bankcorp, Inc.'s (CBAN) StockRank?

MoatMap's StockRank for Colony Bankcorp, Inc. (CBAN) is 69/100, with a Buy signal. This is a composite score combining Quality (36), Value (48), and Momentum (78) factor ranks across MoatMap's 20,000+ stock universe.

Does Colony Bankcorp, Inc. have an economic moat?

Colony Bankcorp, Inc. (CBAN) has a Quality factor score of 36/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Colony Bankcorp, Inc. a buy, hold, or sell?

MoatMap's current signal for Colony Bankcorp, Inc. (CBAN) is Buy, based on a StockRank of 69/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Colony Bankcorp, Inc. in?

Colony Bankcorp, Inc. (CBAN) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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CBAN

BUY

Colony Bankcorp, Inc. · Financial Services · United States · $462M · Avg Vol: $8M/d

StockRank

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P/E (TTM)

13.1x

ROE

8.9%

D/E

0.7x

Dividend %

2.2%

COMPANY DESCRIPTION

Colony Bankcorp, Inc. is the bank holding company for Colony Bank, providing a broad range of consumer and commercial banking services throughout Georgia. The company maintains a competitive moat through its deep-rooted community relationships, which support a stable, low-cost deposit base. It operates as a leading regional bank, combining localized decision-making with diversified financial services, including mortgage and wealth management.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	115.7M	113.9M	115.5M	132.2M	4.5%	137.3M	171.0M	232.5M	32.6%
EPS	1.14	1.24	1.36	1.59	11.7%	1.59	1.76	2.10	14.9%
Shares	17.6M	17.6M	17.5M	21.3M	+20.8%	21.2M	—	—	—
Debt	203.4M	238.4M	248.0M	258.1M	8.3%	258.3M	—	—	—
Equity	230.3M	254.9M	278.7M	375.9M	17.7%	—	—	—	—
Op CF	49.7M	21.0M	23.4M	-5.5M	-31.4%	30.8M	—	—	—
Inv CF	-448.2M	-98.8M	101.2M	3.4M	—	—	—	—	—
Fin CF	281.9M	80.4M	23.2M	28.7M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+4.5%

SMA 50SMA 200

$21.57

RSI (14)

65.5

52W High

$21.60

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.9%*33.6

ROE

8.9%44.8

GP/Assets

3.7%N/A

Op. Margin

31.7%49.6

FCF/Assets

0.8%N/A

Piotroski

27.5

Int. Cover

—50.0

D/E Ratio

0.69xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

13.1x51.0

EV/EBITDA

bankN/A

P/FCF

15.8xN/A

P/B

1.2x51.2

P/S

3.2x57.3

Div Yield

2.2%27.9

Momentum

52W High %

100%98.3

RS 6M

5%68.1

SMA 50/200

1.07x65.8

EPS Rev 4W

+11.3%98.8

EPS Rev 12W

—N/A

EPS Improve

+49%72.2

Q Growth

24%58.9

FUNDAMENTALS

Market Cap

$462M

P/E (Forward)

8.8x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CBAN are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CBAN	Colony Bankcorp, Inc.(you)	$462M	69	BUY
CBK	Commercial Bancgroup, Inc.	$454M	70	BUY
PDLB	Ponce Financial Group, Inc.	$489M	67	BUY
UNTY	Unity Bancorp, Inc.	$583M	69	BUY
FRST	Primis Financial Corp.	$382M	67	BUY
ISTR	Investar Holding Corporation	$411M	64	HOLD
OBT	Orange County Bancorp, Inc.	$505M	74	BUY
WSBF	Waterstone Financial, Inc.	$362M	72	BUY
KRNY	Kearny Financial Corp.	$592M	65	HOLD
BWFG	Bankwell Financial Group, Inc.	$496M	76	BUY

Peer medians: ROE 10.2% · P/E 14.1x · Gross margin 87.6%

Price	$21.57
Market Cap	$462M
P/E (TTM)	13.14
P/E (Forward)	8.83
Price/Book	1.16
Return on Equity	8.9%
Debt/Equity	0.69x
Operating Margin	31.7%
Revenue Growth	33.9%
Dividend Yield	2.2%
Free Cash Flow	$29M