Colony Bankcorp, Inc. (CBAN) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
17.78
↑+44% vs avg
5yr avg: 12.31
30Y Low4.0·High34.4
P/FCF
↑
N/A
—
5yr avg: 9.29
30Y Low1.2·High26.9
P/B Ratio
↓
0.97
+6% vs avg
5yr avg: 0.92
30Y Low0.2·High3.1
ROE
↓
8.6%
-5% vs avg
5yr avg: 9.1%
30Y Low-22%·High14%
Debt/EBITDA
↑
7.62
↑+29% vs avg
5yr avg: 5.90
30Y Low1.2·High29.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CBAN Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Colony Bankcorp, Inc. trades at 12.9x earnings, 17% above its 5-year average of 11.0x, sitting at the 46th percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $385M | $317M | $283M | $234M | $218M | $192M | $139M | $151M | $125M | $126M | $112M |
| Enterprise Value | $626M | $558M | $505M | $447M | $401M | $262M | $182M | $221M | $183M | $140M | $107M |
| P/E Ratio → | 12.93 | 11.21 | 11.87 | 10.73 | 11.13 | 10.28 | 11.81 | 14.73 | 10.43 | 16.78 | 15.71 |
| P/S Ratio | 2.07 | 1.70 | 1.60 | 1.46 | 1.72 | 1.80 | 1.59 | 2.02 | 2.13 | 2.27 | 2.08 |
| P/B Ratio | 0.97 | 0.84 | 1.02 | 0.92 | 0.95 | 0.88 | 0.96 | 1.15 | 1.30 | 1.40 | 1.20 |
| P/FCF | — | — | 12.70 | 13.46 | 4.66 | 6.35 | — | 384.30 | 10.26 | 11.25 | 11.09 |
| P/OCF | — | — | 12.11 | 11.14 | 4.39 | 5.32 | — | 38.86 | 8.36 | 10.05 | 8.39 |
P/E links to full P/E history page with 30-year chart
CBAN EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Colony Bankcorp, Inc.'s enterprise value stands at 17.8x EBITDA, 44% above its 5-year average of 12.3x. The Financial Services sector median is 11.4x, placing the stock at a 56% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.00 | 2.86 | 2.78 | 3.17 | 2.45 | 2.09 | 2.97 | 3.11 | 2.52 | 1.98 |
| EV / EBITDA | 17.78 | 15.84 | 13.41 | 12.44 | 11.63 | 8.23 | 8.89 | 14.25 | 10.90 | 7.94 | 6.82 |
| EV / EBIT | 17.82 | 15.89 | 17.09 | 16.42 | 17.54 | 11.30 | 12.46 | 17.52 | 12.24 | 9.63 | 8.58 |
| EV / FCF | — | — | 22.64 | 25.74 | 8.56 | 8.64 | — | 563.44 | 15.02 | 12.50 | 10.61 |
CBAN Profitability
Margins and return-on-capital ratios measuring operating efficiency
Colony Bankcorp, Inc. earns an operating margin of 18.9%, roughly in line with the Financial Services sector average. Operating margins have expanded from 16.9% to 18.9% over the past 3 years, signaling improving operational efficiency. ROE of 8.6% is modest, trailing the sector median of 9.0%. ROIC of 4.5% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 66.4% | 66.4% | 63.6% | 68.7% | 88.8% | 95.2% | 83.5% | 81.6% | 85.6% | 86.9% | 86.1% |
| Operating Margin | 18.9% | 18.9% | 16.7% | 16.9% | 18.1% | 21.7% | 16.7% | 16.9% | 25.4% | 26.1% | 23.1% |
| Net Profit Margin | 15.2% | 15.2% | 13.5% | 13.5% | 15.4% | 17.5% | 13.5% | 13.7% | 20.3% | 13.9% | 16.0% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.6% | 8.6% | 8.9% | 9.0% | 8.7% | 10.3% | 8.6% | 9.0% | 12.8% | 8.4% | 9.2% |
| ROA | 0.8% | 0.8% | 0.8% | 0.7% | 0.7% | 0.8% | 0.7% | 0.7% | 1.0% | 0.6% | 0.7% |
| ROIC | 4.5% | 4.5% | 4.3% | 4.4% | 4.6% | 6.8% | 5.2% | 5.0% | 6.9% | 6.7% | 5.8% |
| ROCE | 1.7% | 1.7% | 5.6% | 5.7% | 6.0% | 7.4% | 5.5% | 6.6% | 9.0% | 8.8% | 7.6% |
CBAN Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Colony Bankcorp, Inc. carries a Debt/EBITDA ratio of 7.6x, which is highly leveraged (79% above the sector average of 4.3x). Net debt stands at $241M ($268M total debt minus $27M cash). Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.71 | 0.71 | 0.89 | 0.94 | 0.88 | 0.41 | 0.42 | 0.66 | 0.71 | 0.79 | 0.75 |
| Debt / EBITDA | 7.62 | 7.62 | 6.58 | 6.64 | 5.90 | 2.78 | 2.94 | 5.53 | 4.07 | 4.07 | 4.46 |
| Net Debt / Equity | — | 0.64 | 0.80 | 0.84 | 0.79 | 0.32 | 0.30 | 0.54 | 0.60 | 0.15 | -0.05 |
| Net Debt / EBITDA | 6.84 | 6.84 | 5.89 | 5.93 | 5.30 | 2.19 | 2.10 | 4.53 | 3.45 | 0.79 | -0.31 |
| Debt / FCF | — | — | 9.95 | 12.27 | 3.90 | 2.30 | — | 179.14 | 4.76 | 1.24 | -0.49 |
| Interest Coverage | 0.61 | 0.61 | 0.48 | 0.58 | 2.10 | 5.27 | 1.86 | 1.00 | 1.81 | 2.11 | 1.93 |
CBAN Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Colony Bankcorp, Inc.'s current ratio of 4.76x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.17x to 4.76x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 4.76 | 4.76 | 0.03 | 0.17 | 0.18 | 0.40 | 0.27 | 0.28 | 0.33 | 0.39 | 0.38 |
| Quick Ratio | 4.76 | 4.76 | 0.03 | 0.17 | 0.18 | 0.40 | 0.27 | 0.28 | 0.33 | 0.39 | 0.38 |
| Cash Ratio | 0.32 | 0.32 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.05 | 0.07 |
| Asset Turnover | — | 0.05 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CBAN Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Colony Bankcorp, Inc. returns 2.8% to shareholders annually — split between a 2.2% dividend yield and 0.6% buyback yield. The payout ratio of 28.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.2% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 28.5% | 28.5% | 33.1% | 35.5% | 36.6% | 23.9% | 32.2% | 26.4% | 14.2% | 10.9% | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.7% | 8.9% | 8.4% | 9.3% | 9.0% | 9.7% | 8.5% | 6.8% | 9.6% | 6.0% | 6.4% |
| FCF Yield | — | — | 7.9% | 7.4% | 21.5% | 15.8% | — | 0.3% | 9.7% | 8.9% | 9.0% |
| Buyback Yield | 0.6% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 2.8% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $18M | $18M | $18M | $17M | $11M | $9M | $9M | $9M | $9M | $9M |
Peer Comparison
Compare CBAN with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CBANYou | $385M | 12.9 | 17.8 | — | 66.4% | 18.9% | 8.6% | 4.5% | 7.6 |
 SBCF | $3B | 19.5 | 22.3 | 16.8 | 61.6% | 21.4% | 5.5% | 3.9% | 7.2 |
 HOMB | $5B | 11.5 | 9.3 | 11.3 | 77.3% | 43.8% | 11.5% | 8.7% | 1.5 |
 SFBS | $4B | 15.9 | 17.0 | 12.6 | 51.8% | 33.6% | 16.0% | 7.3% | 4.4 |
 HBCP | $519M | 11.3 | 7.5 | 11.7 | 70.5% | 27.7% | 11.1% | 7.7% | 1.0 |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 FFIN | $5B | 18.5 | 11.4 | 15.3 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 GABC | $2B | 14.7 | 12.9 | 11.0 | 70.2% | 28.7% | 12.0% | 9.3% | 1.3 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 SRCE | $2B | 11.9 | 10.0 | 8.8 | 70.3% | 34.2% | 12.7% | 9.7% | 1.6 |
 FBNC | $3B | 22.7 | 15.8 | 12.7 | 70.1% | 26.6% | 7.2% | 6.8% | 0.5 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 30 years · Updated daily
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CBAN — Frequently Asked Questions
Quick answers to the most common questions about buying CBAN stock.
What is Colony Bankcorp, Inc.'s P/E ratio?
Colony Bankcorp, Inc.'s current P/E ratio is 12.9x. The historical average is 15.0x. This places it at the 46th percentile of its historical range.
What is Colony Bankcorp, Inc.'s EV/EBITDA?
Colony Bankcorp, Inc.'s current EV/EBITDA is 17.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.6x.
What is Colony Bankcorp, Inc.'s ROE?
Colony Bankcorp, Inc.'s return on equity (ROE) is 8.6%. The historical average is 8.3%.
Is CBAN stock overvalued?
Based on historical data, Colony Bankcorp, Inc. is trading at a P/E of 12.9x. This is at the 46th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Colony Bankcorp, Inc.'s dividend yield?
Colony Bankcorp, Inc.'s current dividend yield is 2.20% with a payout ratio of 28.5%.
What are Colony Bankcorp, Inc.'s profit margins?
Colony Bankcorp, Inc. has 66.4% gross margin and 18.9% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Colony Bankcorp, Inc. have?
Colony Bankcorp, Inc.'s Debt/EBITDA ratio is 7.6x, indicating high leverage. A ratio above 4x may signal elevated financial risk.