Colony Bankcorp Inc. Common Stock (CBAN)

FairStock Score: 56/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Colony Bankcorp is a small regional bank holding company, and banking is a leveraged trust business. The filed numbers show steady, if unspectacular, progress: FY2025 net income was $28.3M and diluted EPS $1.59, against $23.9M and $1.36 in FY2024 and $21.7M and $1.24 in FY2023. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $10.9M and diluted EPS $0.51, up from $8.0M and $0.46 in fiscal Q2 2025. At the 2026-10-13 close of $19.94, FairStock calculates P/E 12.08, P/B 1.08, ROE 9.57%, PEG 0.50, dividend yield 2.38% and Piotroski 6/9. That is a fair-to-modest valuation for a bank earning less than 10% on equity. The low beta of 0.55 and a 2.38% dividend are supports, but a bank's real risk is credit and capital, not the income statement alone. CET1, net interest margin, nonperforming loans, reserves and efficiency ratio are not in the data; combined ratio is not applicable to a bank and is also unavailable. The computed Lynch category is STALWART, steady growth with profit 19.0% a year over five years. Its competitive moat is limited: as a small regional bank it may have local relationships, but no scale or cost advantage is evident in the data. I would call it a decent small bank at a reasonable price, not a wide-moat bargain.

In plain English: Colony Bankcorp is the holding company for Colony Bank, a small regional bank that serves retail and commercial customers. It makes money from deposits, loans, mortgage banking and small-business lending. Profits have improved over the past few years, and at $19.94 the price looks reasonable against the company's recent profits and accounting value, though the business is not an obvious bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer