Colony Bankcorp Inc is a bank holding company. The bank provides a broad range of banking services to its retail and commercial customers. Its product line includes loans to small and medium-sized businesses, residential and commercial construction and land development loans, commercial real estate loans, agri-business and production loans, residential mortgage loans, consumer loans, and a variety of demand, savings, and time deposit products. The company's segments include the Banking Division, Retail Mortgage Division, and small business specialty lending divisions. It generates maximum revenue from the Banking Division.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.11
Equity-to-Asset	0.08
Debt-to-Equity	0.94
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.47	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-8.2
	3-Year EPS without NRI Growth Rate	0.3
	3-Year Book Growth Rate	-1.6

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	59.92
	9-Day RSI	50.84
	14-Day RSI	47.28
	6-1 Month Momentum %	16.68
	12-1 Month Momentum %	17.54

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.07
	Dividend Payout Ratio	0.28
	3-Year Dividend Growth Rate	3.2
	Forward Dividend Yield %	4.14
	5-Year Yield-on-Cost %	8.43
	3-Year Average Share Buyback Ratio	-22.7
	Shareholder Yield %	-44.55

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	19.1
	FCF Margin %	15.25
	ROE %	9.05
	ROA %	0.72
	Years of Profitability over Past 10-Year	10

GF Value Rank

7/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	8.76
	PE Ratio without NRI	6.87
	Shiller PE Ratio	8.55
	Price-to-Owner-Earnings	8.1
	PEG Ratio	2.08
	PS Ratio	1.67
	PB Ratio	0.75
	Price-to-Tangible-Book	0.95
	Price-to-Free-Cash-Flow	10.99
	Price-to-Operating-Cash-Flow	9.11
	EV-to-Revenue	3.55
	EV-to-FCF	23.15
	Price-to-Projected-FCF	0.57
	Price-to-DCF (Earnings Based)	0.34
	Price-to-DCF (FCF Based)	0.95
	Price-to-Median-PS-Value	0.92
	Price-to-Graham-Number	0.54
	FCF Yield %	9.11
	Forward Rate of Return (Yacktman) %	10.23

GF Value: $11.78

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