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Colony Bankcorp, Inc (CBAN) Fair Value & Analysis

Financial Services · US · Market cap $435M

Price$19.98
Fair Value$17.36
Upside-13.1%
Quality95/100
Evidence: High Range $13.02 – $21.70

Fair value as of: Jun 26, 2026

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Analysis

Colony Bankcorp, Inc (CBAN) currently trades at $19.98, while our model-based Fair Value estimate is $17.36 — implying the stock looks roughly 13.1% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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 manage…

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Frequently asked questions

Is Colony Bankcorp, Inc (CBAN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $17.36 versus a price of $19.98 — about −13% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CBAN?
Our 21-model fair value for Colony Bankcorp, Inc is $17.36 (as of Jun 26, 2026), built from audited fundamentals. The current price is $19.98.
What is the quality score of CBAN?
Colony Bankcorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.