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CBAN

Colony Bankcorp·NYSE
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8.24 / 10
Outperform

Colony Bankcorp’s fundamentals are rated Outperform with an 8.2/10 score. Key bullish factors include an exceptional Fixed assets turnover ratio of 1391.03 and Total profit YoY growth of 2.92%, both in high-performing groups. Positive ROA (0.54%) and net profit margin (0.72%) further support this view. Conversely, the Asset-liability ratio at 90.99% falls into the lowest-performing group, signaling elevated leverage risk. Other factors like Cost of sales ratio (74.47%) and Income tax/Total profit ratio (20.63%) show moderate performance. Overall, the company’s robust operational efficiency is offset by leverage concerns, warranting balanced analysis.

Fundamental(8.24)SentimentTechnical

Analysis Checks(7/8)

ROA (%)
Value0.54
Score3/3
Weight20.85%
1M Return8.07%
Asset-liability ratio (%)
Value90.99
Score0/3
Weight-5.58%
1M Return-2.81%
Total profit (YoY growth rate %)
Value2.92
Score3/3
Weight23.71%
1M Return9.18%
Income tax / Total profit (%)
Value20.63
Score3/3
Weight21.80%
1M Return8.79%
Fixed assets turnover ratio
Value1391.03
Score3/3
Weight8.13%
1M Return3.36%
Annualized net profit margin on total assets (%)
Value0.72
Score3/3
Weight20.85%
1M Return8.07%
Cost of sales ratio (%)
Value74.47
Score2/3
Weight7.91%
1M Return3.50%
Current assets / Total assets (%)
Value46.60
Score2/3
Weight2.32%
1M Return1.06%
Is CBAN undervalued or overvalued?
  • CBAN scores 8.24/10 on fundamentals and holds a Discounted valuation at present. Backed by its 7.03% ROE, 22.09% net margin, 16.08 P/E ratio, 1.48 P/B ratio, and 26.19% earnings growth, these metrics solidify its Outperform investment rating.