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

MoatMap's StockRank for Colony Bankcorp, Inc. (CBAN) is 50/100, with a Hold signal. This is a composite score combining Quality (39), Value (46), and Momentum (59) 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 39/100. 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 Hold, based on a StockRank of 50/100. 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

HoldHot Air

Colony Bankcorp, Inc. · Financial Services · United States · $453M · Avg Vol: $3M/d

StockRank

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P/E (TTM)

13.1x

ROE

9.6%

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%	145.4M	169.8M	229.3M	31.7%
EPS	1.14	1.24	1.36	1.59	11.7%	1.66	1.81	1.98	11.6%
Shares	17.6M	17.6M	17.5M	21.3M	+20.8%	21.2M	—	—	—
Debt	203.4M	238.4M	248.0M	258.1M	8.3%	233.2M	—	—	—
Equity	230.3M	254.9M	278.7M	375.9M	17.7%	—	—	—	—
Op CF	49.7M	21.0M	23.4M	-5.5M	-31.4%	24.0M	—	—	—
Inv CF	-448.2M	-98.8M	101.2M	3.4M	—	—	—	—	—
Fin CF	281.9M	80.4M	23.2M	28.7M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+0.0%

SMA 50SMA 200

$21.75

RSI (14)

43.0

52W High

$22.46

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.0%*36.7

ROE

9.6%48.7

GP/Assets

3.9%N/A

Op. Margin

36.5%54.5

FCF/Assets

0.8%N/A

Piotroski

28.8

Int. Cover

—50.0

D/E Ratio

0.69xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

13.1x47.9

EV/EBITDA

bankN/A

P/FCF

15.4xN/A

P/B

1.2x49.3

P/S

3.2x58.0

Div Yield

2.2%25.1

Momentum

52W High %

97%75.4

RS 6M

-3%50.5

SMA 50/200

1.08x65.7

EPS Rev 4W

-5.7%5.4

EPS Rev 12W

+4.9%83.2

EPS Improve

+34%66.4

Q Growth

36%66.3

FUNDAMENTALS

Market Cap

$453M

P/E (Forward)

9.8x

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)	$453M	50	Hold
AVBC	Avidia Bancorp, Inc.	$408M	48	Hold
NPB	Northpointe Bancshares, Inc.	$589M	51	Hold
BSRR	Sierra Bancorp	$516M	54	Hold
PBFS	Pioneer Bancorp, Inc.	$426M	42	Hold
BSVN	Bank7 Corp.	$497M	58	Hold
PDLB	Ponce Financial Group, Inc.	$495M	59	Hold
FRBA	First Bank	$443M	63	Hold
FNRN	First Northern Community Bancorp	$281M	53	Hold
BRBS	Blue Ridge Bankshares, Inc.	$352M	42	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$21.75
Market Cap	$453M
P/E (TTM)	13.10
P/E (Forward)	9.75
Price/Book	1.18
Return on Equity	9.6%
Debt/Equity	0.69x
Operating Margin	36.5%
Revenue Growth	25.3%
Dividend Yield	2.2%
Free Cash Flow	$29M