Stocktoria
COLONY BANKCORP INC CBAN
COLONY BANKCORP INC (CBAN) earns a Piotroski F-score of 2/9 (weak financial health). It pays a dividend yielding 1.84% (safety: at-risk).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 2/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CBAN | COLONY BANKCORP INC | 2/9 | — | 66 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About COLONY BANKCORP INC
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 and lines of credit; consumer loans; financing for marine and recreational vehicles; and small business administration and other government guaranteed loans. In addition, the company offers wealth management, consumer insurance, 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. Further, it provides health savings accounts, student savings, retirement and educational accounts, and certificates of deposit; financial advisory services; lot and small acreage loans, auto loans, working capital loans, USDA loan programs, healthcare lending, and equipment loans, as well as boat, RV, and ATV loans; agriculture lending for equipment, livestock, farmland, and crop production; homeowners, fixed life, auto, boat, renters, condo, ATV, motorcycle, and business insurance; liquidity management; and digital banking, mobile deposit, e-statements, and e-alerts services. Colony Bankcorp, Inc. was founded in 1975 and is headquartered in Fitzgerald, Georgia.
FAQ
Is CBAN financially healthy?
COLONY BANKCORP INC's Piotroski F-score is 2/9 (8–9 is excellent, 0–3 weak).
Does CBAN pay a dividend, and is it safe?
Yes. COLONY BANKCORP INC pays a dividend yielding about 1.84% with a 121.5% payout ratio, rated “at-risk” for safety.
How profitable is CBAN?
In FY2025, COLONY BANKCORP INC had a return on equity of 1.8%.
Is CBAN overvalued or undervalued?
COLONY BANKCORP INC trades at about 57.9× trailing earnings — above its 10-year norm (10-year range 9.9×–51.2×, median 12.4×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for CBAN?
The average Wall-Street price target for COLONY BANKCORP INC is $23.62, about 7.3% above the recent price, from 2 analysts.
Is CBAN a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on COLONY BANKCORP INC: a Piotroski F-score of 2/9, a P/E of about 66.0×, a dividend yield of 1.84%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.