Previous Close | $17.71 |
Intrinsic Value | $139.53 |
Upside potential | +688% |
Data is not available at this time.
Colony Bankcorp, Inc. operates as a community-focused financial institution, primarily serving small to mid-sized businesses and retail customers in Georgia. The company generates revenue through traditional banking activities, including commercial and consumer lending, deposit services, and wealth management. Its localized approach allows it to build strong customer relationships, differentiating it from larger national banks. Colony Bankcorp competes in a fragmented regional market, leveraging its deep community ties and personalized service to maintain a stable deposit base and loan portfolio. The bank’s conservative underwriting and focus on relationship banking provide resilience against economic downturns, though its growth is constrained by its regional concentration. As a smaller player, it faces competition from both regional peers and digital-first fintech entrants, but its niche expertise in local markets supports steady performance.
Colony Bankcorp reported $176.6 million in revenue for FY 2024, with net income of $23.9 million, reflecting a net margin of approximately 13.5%. Diluted EPS stood at $1.36, indicating modest but stable profitability. Operating cash flow of $23.4 million suggests efficient core operations, though the absence of capital expenditures highlights limited reinvestment in growth initiatives. The bank’s efficiency ratio, while not disclosed, likely benefits from its lean regional structure.
The bank’s earnings power is driven by net interest income, supported by a disciplined lending approach. With $260.5 million in cash and equivalents against $248.0 million in total debt, Colony Bankcorp maintains a balanced liquidity position. Its ability to generate consistent operating cash flow underscores capital efficiency, though its regional focus may limit scalability compared to larger competitors.
Colony Bankcorp’s balance sheet reflects a conservative financial posture, with $260.5 million in cash and equivalents providing liquidity coverage. Total debt of $248.0 million is manageable relative to its equity base. The bank’s loan-to-deposit ratio and asset quality metrics, though undisclosed, are likely prudent given its community banking focus. Its financial health appears stable, with no immediate solvency concerns.
Growth trends are muted, reflecting the bank’s regional focus and conservative strategy. The $0.45 annual dividend per share, yielding approximately 3.3% based on current share prices, signals a commitment to returning capital to shareholders. However, limited reinvestment in expansion suggests organic growth may remain modest absent acquisitions or market expansion.
At a diluted EPS of $1.36, Colony Bankcorp trades at a P/E ratio reflective of its small-cap regional bank status. Market expectations appear aligned with its steady but unspectacular performance, with valuation metrics likely discounting its limited growth prospects compared to more aggressive peers.
Colony Bankcorp’s strategic advantages lie in its community-centric model and disciplined risk management. The outlook remains stable, with earnings likely to grow incrementally unless macroeconomic conditions shift. Its ability to maintain customer loyalty in its core markets provides a defensive moat, though technological adoption and competitive pressures remain key watchpoints.
Company filings (10-K), CIK: 0000711669
show cash flow forecast
Fiscal year | 2025 | 2026 | 2027 | 2028 | 2029 | 2030 | 2031 | 2032 | 2033 | 2034 | 2035 | 2036 | 2037 | 2038 | 2039 | 2040 | 2041 | 2042 | 2043 | 2044 | 2045 | 2046 | 2047 | 2048 | 2049 | |
INCOME STATEMENT | ||||||||||||||||||||||||||
Revenue growth rate, % | NaN | |||||||||||||||||||||||||
Revenue, $ | NaN | |||||||||||||||||||||||||
Variable operating expenses, $m | NaN | |||||||||||||||||||||||||
Fixed operating expenses, $m | NaN | |||||||||||||||||||||||||
Total operating expenses, $m | NaN | |||||||||||||||||||||||||
Operating income, $m | NaN | |||||||||||||||||||||||||
EBITDA, $m | NaN | |||||||||||||||||||||||||
Interest expense (income), $m | NaN | |||||||||||||||||||||||||
Earnings before tax, $m | NaN | |||||||||||||||||||||||||
Tax expense, $m | NaN | |||||||||||||||||||||||||
Net income, $m | NaN | |||||||||||||||||||||||||
BALANCE SHEET | ||||||||||||||||||||||||||
Cash and short-term investments, $m | NaN | |||||||||||||||||||||||||
Total assets, $m | NaN | |||||||||||||||||||||||||
Adjusted assets (=assets-cash), $m | NaN | |||||||||||||||||||||||||
Average production assets, $m | NaN | |||||||||||||||||||||||||
Working capital, $m | NaN | |||||||||||||||||||||||||
Total debt, $m | NaN | |||||||||||||||||||||||||
Total liabilities, $m | NaN | |||||||||||||||||||||||||
Total equity, $m | NaN | |||||||||||||||||||||||||
Debt-to-equity ratio | NaN | |||||||||||||||||||||||||
Adjusted equity ratio | NaN | |||||||||||||||||||||||||
CASH FLOW | ||||||||||||||||||||||||||
Net income, $m | NaN | |||||||||||||||||||||||||
Depreciation, amort., depletion, $m | NaN | |||||||||||||||||||||||||
Funds from operations, $m | NaN | |||||||||||||||||||||||||
Change in working capital, $m | NaN | |||||||||||||||||||||||||
Cash from operations, $m | NaN | |||||||||||||||||||||||||
Maintenance CAPEX, $m | NaN | |||||||||||||||||||||||||
New CAPEX, $m | NaN | |||||||||||||||||||||||||
Total CAPEX, $m | NaN | |||||||||||||||||||||||||
Free cash flow, $m | NaN | |||||||||||||||||||||||||
Issuance/(repurchase) of shares, $m | NaN | |||||||||||||||||||||||||
Retained Cash Flow, $m | NaN | |||||||||||||||||||||||||
Pot'l extraordinary dividend, $m | NaN | |||||||||||||||||||||||||
Cash available for distribution, $m | NaN | |||||||||||||||||||||||||
Discount rate, % | NaN | |||||||||||||||||||||||||
PV of cash for distribution, $m | NaN | |||||||||||||||||||||||||
Current shareholders' claim on cash, % | NaN |