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Upturn AI SWOT - About
CBAN 
Colony Bankcorp Inc. (CBAN)
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Upturn Advisory Summary
03/27/2025: CBAN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 35.15% | Avg. Invested days 57 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 281.72M USD | Price to earnings Ratio 11.82 | 1Y Target Price 19.12 |
Price to earnings Ratio 11.82 | 1Y Target Price 19.12 | ||
Volume (30-day avg) 79619 | Beta 0.63 | 52 Weeks Range 10.00 - 18.36 | Updated Date 03/30/2025 |
52 Weeks Range 10.00 - 18.36 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 2.86% | Basic EPS (TTM) 1.36 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.24% | Operating Margin (TTM) 29.4% |
Management Effectiveness
Return on Assets (TTM) 0.78% | Return on Equity (TTM) 8.95% |
Valuation
Trailing PE 11.82 | Forward PE 11 | Enterprise Value 299310784 | Price to Sales(TTM) 2.51 |
Enterprise Value 299310784 | Price to Sales(TTM) 2.51 | ||
Enterprise Value to Revenue 4.59 | Enterprise Value to EBITDA - | Shares Outstanding 17520100 | Shares Floating 14767547 |
Shares Outstanding 17520100 | Shares Floating 14767547 | ||
Percent Insiders 6.92 | Percent Institutions 57.87 |
Analyst Ratings
Rating 4 | Target Price 19 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Colony Bankcorp Inc.
Company Overview
History and Background
Colony Bankcorp, Inc. was founded in 1975 and is headquartered in Fitzgerald, Georgia. It has grown through organic expansion and acquisitions to become a significant community bank in South Georgia.
Core Business Areas
- Community Banking: Offers traditional banking services including checking, savings, and loan products to individuals and businesses.
- Commercial Lending: Provides commercial loans, lines of credit, and real estate financing to businesses of various sizes.
- Retail Banking: Offers services tailored to individual customers, including mortgages, personal loans, and wealth management.
Leadership and Structure
The leadership team includes Heath Fountain (CEO). The bank has a traditional corporate structure with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial properties, generates significant revenue. Competitors include other regional and national banks. Market share data unavailable.
- Small Business Loans: Loans to small businesses for various purposes. Competitors include other regional banks, credit unions and online lenders. Market share data unavailable.
- Mortgages: Residential mortgage products. Competitors include national mortgage lenders, regional banks, and credit unions. Market share data unavailable.
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increased competition from fintech companies, and evolving regulatory landscape.
Positioning
Colony Bankcorp is a community bank focused on serving South Georgia. Its competitive advantage lies in its local presence and relationship-based banking approach.
Total Addressable Market (TAM)
The TAM for banking services in South Georgia is estimated to be in the billions of dollars. Colony Bankcorp is positioned to capture a portion of this market through its local expertise and community focus.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-based banking
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking services
- Smaller scale compared to larger competitors
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking solutions
- Acquisition of smaller banks
- Growth in South Georgia economy
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in South Georgia
- Regulatory changes
Competitors and Market Share
Key Competitors
- Synovus Financial Corp. (SNV)
- Ameris Bancorp (ABCB)
- United Community Banks, Inc. (UCBI)
Competitive Landscape
Colony Bankcorp competes with larger regional and national banks. Its advantages lie in its local presence and relationship-based banking. Disadvantages include its smaller scale and limited geographic diversification. The provided market share data is an estimate, as obtaining precise data requires specialized financial data services.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Colony Bankcorp has grown through organic expansion and acquisitions. Historical growth trends can be assessed by examining revenue and asset growth over the past few years.
Future Projections: Future growth projections require accessing analyst estimates. This information is not available without a subscription to financial data services.
Recent Initiatives: Recent strategic initiatives would involve examining any recent acquisitions, branch expansions, or new product launches.
Summary
Colony Bankcorp is a community bank with a solid local presence in South Georgia. Its relationship-based banking approach and experienced management team are strengths. The bank faces challenges from increased competition and rising interest rates but can capitalize on opportunities through expansion and digital banking initiatives. The bank appears to have strong fundamentals for long term growth.
Similar Companies
- SNV
- ABCB
- UCBI
- PBHC
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Yahoo Finance
- Finviz
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data requires further verification from official company reports.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Colony Bankcorp Inc.
Exchange NASDAQ | Headquaters Fitzgerald, GA, United States | ||
IPO Launch date 1998-02-23 | CEO & Director Mr. T. Heath Fountain CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 455 | Website https://colony.bank |
Full time employees 455 | Website https://colony.bank | ||
Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to retail and commercial customers in the United States. It operates through Bank, Mortgage Banking, and Small Business Specialty Lending Division segments. The company offers deposit products, including checking, savings, money market, and other deposit options; and treasury solutions, merchant services, and other financial tools that support businesses in managing cash flow and operational efficiency. 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; consumer loans; and small business administration and other government guaranteed 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. Colony Bankcorp, Inc. was founded in 1975 and is headquartered in Fitzgerald, Georgia.
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