CBAN

Colony Bankcorp, Inc.

Financial Services · $451M market cap

Verdict

Share price

$20.45

close of Oct 3, 2026

Fair value

$26.96

Sticker Price

Payback Price

$10.78

buy price

Undervalued

CBAN is Undervalued: at $20.45 it trades 24% below its fair value of $26.96. Its buy price (Payback Price) is $10.78, 47% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth16.4% a year✓
Equity per share growth1.9% a year✗
Sales growth3.5% a year✗
Free cash flow growth3.2% a year✗
Return on invested capital4.3%✗

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Insider activity

Since Jul 1, 2026: 7 open-market purchases worth $151K and 22 other filings (stock awards, tax withholding and similar). Why purchases matter

Purchases

Other filings

About Colony Bankcorp, Inc.

Colony Bankcorp, Inc. functions as the parent entity for Colony Bank, delivering a broad spectrum of financial products and services to both commercial enterprises and individual consumers. The bank offers various ways to save, such as checking, savings, and time deposit accounts (like certificates of deposit). Its lending portfolio is extensive, encompassing loans for small and medium-sized businesses, residential…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works