Colony Bankcorp, Inc. Financial Ratios — CBAN Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	3.03	3.14	7.72	10.93	12.06	12.75	11.82	16.37	12.42	13.06	18	16.15	16.04	15.92	16.63
Return on Assets (%)	0.21	0.23	0.4	0.66	0.72	0.73	0.63	0.96	0.74	0.72	0.84	0.69	0.73	0.77	0.83
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	11.74	12.73	9.11	6.18	7.39	6.75	6.35	3.64	4.68	7.37	8.42	10.05	7.64	7.04	5.84
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	8.09	8.35	15.12	22.94	26.01	26.28	29.78	29.59	20.39	18.41	22.59	19.75	23.9	25.61	26.58
Profit Margin (%)	5.64	5.74	10.05	15.99	17.91	18.2	15.89	23.64	16.51	14.86	18.21	16.89	19.1	20.67	21.37
Net Income to Common Margin (%)	2.52	2.62	6.77	10.29	12.83	15.06	15.46	23.64	16.51	14.86	18.21	16.89	19.1	20.67	21.37
Effective Tax Rate (%)	30.35	31.25	33.53	30.26	31.15	30.75	46.65	20.11	19.02	19.24	19.41	14.48	20.09	19.27	19.59
Dvd Payout Ratio (%)	- -	-119.03	-48.35	57.9	1.87	1.36	12.59	14.16	26.36	32.16	23.92	36.63	35.51	33.09	28.45
Sustainable Growth Rate (%)	3.03	6.88	11.46	4.6	11.84	12.58	10.33	14.05	9.15	8.86	13.69	10.23	10.35	10.65	11.9

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	95	59	64	64	64	70	72	68	86	60	88	203	238	248	258
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	5	5	5	- -	- -	- -	- -
LT Debt	95	59	64	64	64	70	72	68	80	55	83	203	238	248	258
Total Debt/EBITDA	18.05	10.11	15.31	22.09	18.59	21.81	23.16	37.18	29.63	10.29	10.25	17.49	27.4	30.51	33.42
Net Debt/EBITDA	7.18	1.4	3.95	6.38	0.97	-1.53	4.49	31.53	24.26	7.35	8.05	15.72	24.49	27.31	29.88
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.17	3.42	3.65	4.07	4.49	4.95	5.49	6.22	5.71	5.36	4.19	4.4	4.65	5.08	4.87
Long-Term Debt/Equity (%)	98.57	61.85	71.4	64.86	67.29	75.2	79.41	71.3	61.67	38.05	38.19	88.31	93.53	89.01	68.66
Long-Term Debt/Capital (%)	59.23	47.01	47.89	46.22	47.59	50.35	51.46	46.69	46.72	35.52	41.3	61.15	62.68	61.1	58.67
Long-Term Debt/Total Assets (%)	7.97	5.2	5.59	5.6	5.47	5.8	5.82	5.45	5.31	3.12	3.09	6.92	7.81	7.98	6.91
Total Debt/Equity (%)	98.57	61.85	71.4	64.86	67.29	75.2	79.41	71.3	65.74	41.73	40.63	88.31	93.53	89.01	68.66
Total Debt/Capital (%)	59.23	47.01	47.89	46.22	47.59	50.35	51.46	46.69	49.8	38.95	43.94	61.15	62.68	61.1	58.67
Total Debt/Total Assets (%)	7.97	5.2	5.59	5.6	5.47	5.8	5.82	5.45	5.66	3.42	3.29	6.92	7.81	7.98	6.91
Net Debt to Equity	39.22	8.55	18.43	18.73	3.52	-5.29	15.41	60.46	53.81	29.81	31.91	79.37	83.59	79.66	61.4
Net Debt/Capital (%)	36.63	10.93	19.17	19.89	4.53	-7.68	17.06	42.61	44.81	31.31	38.1	58.59	60.02	58.44	55.93
EBITDA	5	6	4	3	3	3	3	2	3	6	9	12	9	8	8
EBITDA-CapEx	5	5	3	1	- -	- -	2	-1	-1	2	3	9	5	7	6
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.17	3.42	3.65	4.07	4.49	4.95	5.49	6.22	5.71	5.36	4.19	4.4	4.65	5.08	4.87
Long-Term Debt/Equity (%)	98.57	61.85	71.4	64.86	67.29	75.2	79.41	71.3	61.67	38.05	38.19	88.31	93.53	89.01	68.66
Long-Term Debt/Capital (%)	59.23	47.01	47.89	46.22	47.59	50.35	51.46	46.69	46.72	35.52	41.3	61.15	62.68	61.1	58.67
Long-Term Debt/Total Assets (%)	7.97	5.2	5.59	5.6	5.47	5.8	5.82	5.45	5.31	3.12	3.09	6.92	7.81	7.98	6.91
Total Debt/Equity (%)	98.57	61.85	71.4	64.86	67.29	75.2	79.41	71.3	65.74	41.73	40.63	88.31	93.53	89.01	68.66
Total Debt/Capital (%)	59.23	47.01	47.89	46.22	47.59	50.35	51.46	46.69	49.8	38.95	43.94	61.15	62.68	61.1	58.67
Total Debt/Total Assets (%)	7.97	5.2	5.59	5.6	5.47	5.8	5.82	5.45	5.66	3.42	3.29	6.92	7.81	7.98	6.91
CFO/Total Liabilities	1.38	2.19	1.78	1.41	1.3	1.2	1.1	1.29	0.28	-1.18	1.46	1.84	0.75	0.83	-0.17
CFO/CapEx	38.11	26.98	12.67	8.78	4.41	4.11	9.33	5.4	1.11	-4.5	6.18	17.18	5.8	21.67	-4.1
Altman's Z-Score	0.08	0.1	0.11	0.13	0.14	0.16	0.17	0.18	0.18	0.17	0.14	0.14	0.15	0.16	0.15

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	19	30	51	67	80	111	123	123	151	139	192	218	234	283	317
- Cash & Cash Equivalents	57	51	48	46	61	75	58	10	16	17	19	21	25	26	27
+ Preferred Equity and Hybrid Capital	28	28	28	28	18	9	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	95	59	64	64	64	70	72	68	86	60	88	203	238	248	258
Enterprise Value	-219	-202	-167	-162	-194	-208	-217	-172	-126	-199	-677	-32	40	139	323
Total Capital	161	126	134	139	135	139	139	146	172	155	201	333	380	406	440
Total Debt/Capital (%)	59.23	47.01	47.89	46.22	47.59	50.35	51.46	46.69	49.8	38.95	43.94	61.15	62.68	61.1	58.67
Total Debt / EV	-0.43	-0.29	-0.38	-0.4	-0.33	-0.34	-0.33	-0.4	-0.68	-0.3	-0.13	-6.43	6.03	1.78	0.8
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.35	1.21	2.44
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.54	17.14	41.77
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.88	5.95	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.61	5.69	- -
Diluted Market Cap	19	30	51	67	81	112	126	125	151	139	192	218	234	283	317
Diluted Enterprise Value	84	66	96	113	102	117	140	183	221	182	262	401	447	505	548
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.25	7.94	18.14
TTM Sales	45	46	46	47	47	48	49	50	62	79	102	116	114	115	132
TTM EBITDA	5	6	4	3	3	3	3	2	3	6	9	12	9	8	8
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	15	23	19	15	14	13	13	15	4	-19	36	50	21	23	-6
TTM Free Cash Flow to Firm	16	24	20	16	17	17	14	18	7	-15	42	53	25	24	-4

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	1.22	1.28	2.53	4.04	4.67	6.75	9.07	7.05	20.46	-9.37	4.58	4.14	9.5	11.58	-75.64
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-219	-202	-167	-162	-194	-208	-217	-172	-126	-199	-677	-32	40	139	323
Low Price	2	1.9	3.55	5.45	7.31	8.11	11.1	12.29	14.53	8.7	13.7	12.64	8.59	10.33	13.99
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.35	1.21	2.44
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.54	17.14	41.77
Price/Earnings	16.68	25.19	16.5	13.73	13.41	15.52	16.34	10.34	14.75	11.78	10.3	11.16	10.75	11.87	11.22
Price/Earnings Average	24.16	28.28	16.67	11.33	12.12	11.54	15.37	11.65	14.55	9.99	10.2	13.74	8.63	9.9	10.38
Price/Earnings High	33.5	56.41	20.28	13.94	14.06	15.63	16.51	13.81	16.94	13.26	11.82	16.71	11.3	13.6	11.84
Price/Earnings Low	14.89	13.3	9.6	9.5	10.29	9.53	12.42	8.7	12.99	6.99	8.26	11.12	6.94	7.6	8.81
Price/Book Value	0.5	0.78	1.23	1.42	1.53	1.86	1.82	1.58	1.74	1.47	1.7	1.69	1.65	1.79	1.74
Price/Book Value Average	0.72	0.88	1.24	1.17	1.38	1.38	1.71	1.78	1.72	1.25	1.69	2.08	1.32	1.5	1.61
Price/Book Value High	1	1.75	1.51	1.44	1.6	1.87	1.84	2.11	2	1.66	1.95	2.53	1.73	2.06	1.84
Price/Book Value Low	0.45	0.41	0.72	0.98	1.17	1.14	1.38	1.33	1.53	0.87	1.37	1.68	1.06	1.15	1.37
Price/Tangible Book Value	0.28	0.45	0.83	0.94	1.04	1.33	1.36	1.3	1.36	1.1	1.22	1.24	1.16	1.25	1.04
Price/Tangible Book Value Average	0.4	0.5	0.84	0.77	0.94	0.99	1.28	1.46	1.34	0.94	1.21	1.53	0.93	1.04	0.96
Price/Tangible Book Value High	0.55	1	1.02	0.95	1.09	1.34	1.38	1.73	1.56	1.24	1.4	1.86	1.22	1.43	1.1
Price/Tangible Book Value Low	0.25	0.24	0.49	0.65	0.8	0.82	1.04	1.09	1.2	0.65	0.98	1.24	0.75	0.8	0.82
Price/Sales	0.42	0.66	1.12	1.41	1.72	2.34	2.53	2.44	2.44	1.75	1.87	1.89	2.05	2.45	2.4
Price/Sales Average	0.61	0.74	1.13	1.17	1.56	1.74	2.38	2.75	2.4	1.49	1.86	2.32	1.65	2.05	2.22
Price/Sales High	0.85	1.48	1.37	1.43	1.8	2.36	2.55	3.26	2.8	1.97	2.15	2.82	2.16	2.81	2.53
Price/Sales Low	0.38	0.35	0.65	0.98	1.32	1.44	1.92	2.06	2.14	1.04	1.5	1.88	1.33	1.57	1.88
Price/Cash Flow	1.25	1.33	2.73	4.5	5.72	8.32	9.82	8.26	38.85	-7.29	5.32	4.39	11.14	12.11	-57.17
Price/Cash Flow Average	1.81	1.5	2.76	3.72	5.17	6.19	9.24	9.3	38.31	-6.18	5.27	5.4	8.94	10.1	-52.91
Price/Cash Flow High	2.51	2.98	3.35	4.57	5.99	8.38	9.92	11.03	44.62	-8.2	6.11	6.57	11.71	13.87	-60.31
Price/Cash Flow Low	1.11	0.7	1.59	3.11	4.39	5.11	7.47	6.95	34.22	-4.33	4.27	4.37	7.2	7.75	-44.88
Price/Free Cash Flow Average	1.76	1.44	2.55	3.34	4.22	5.02	8.53	7.94	20.18	-7.95	4.54	5.1	7.63	9.65	-70
Price/Free Cash Flow High	2.44	2.88	3.11	4.1	4.9	6.8	9.17	9.42	23.5	-10.55	5.26	6.21	9.99	13.26	-79.8
Price/Free Cash Flow Low	1.08	0.68	1.47	2.8	3.58	4.15	6.9	5.94	18.02	-5.56	3.68	4.13	6.14	7.41	-59.38
EV/Sales Average	2.07	1.52	2.1	2.15	2.01	1.83	2.66	3.9	3.54	2.03	2.54	3.9	3.52	3.97	3.97
EV/Sales High	2.3	2.26	2.34	2.42	2.26	2.45	2.84	4.41	3.93	2.51	2.83	4.4	4.03	4.73	4.28
EV/Sales Low	1.83	1.13	1.62	1.97	1.78	1.53	2.21	3.2	3.28	1.58	2.18	3.46	3.2	3.49	3.63
EV/EBITDA Average	17.61	11.97	23.03	34.87	27.24	27.12	41.91	107.16	75.56	27.51	30.12	38.8	46.05	56.38	67.87
EV/EBITDA High	19.62	17.76	25.72	39.22	30.59	36.24	44.69	121.21	84.02	34.09	33.6	43.8	52.73	67.24	73.19
EV/EBITDA Low	15.62	8.89	17.77	31.82	24.05	22.63	34.74	88.05	70.08	21.46	25.92	34.4	41.84	49.61	62.11
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	2.24	3.6	6.1	7.88	9.53	13.2	14.6	14.6	16.5	14.65	17.07	12.69	13.3	16.14	17.82
High Price	4.5	8.06	7.5	8	9.99	13.3	14.75	19.5	18.95	16.49	19.59	19	13.98	18.49	18.8
Enterprise Value Average	93	70	97	101	94	87	130	197	219	161	260	451	401	458	524
Enterprise Value High	104	104	108	114	106	117	138	222	243	200	290	509	459	547	565
Enterprise Value Low	82	52	75	93	83	73	108	162	203	126	224	400	364	403	480

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	8	8	8	8	8	8	8	8	9	9	14	18	18	18	21
Diluted Weighted Avg Shares	8	8	8	8	8	9	9	9	9	9	11	17	18	18	18
Basic Weighted Avg Shares	8	8	8	8	8	8	8	8	9	9	11	17	18	18	18
Revenue per Share	5.32	5.45	5.46	5.58	5.54	5.65	5.78	5.97	6.77	8.37	9.11	6.73	6.48	6.58	7.43
EBITDA per Share	0.63	0.69	0.5	0.34	0.41	0.38	0.37	0.22	0.32	0.62	0.77	0.68	0.5	0.46	0.43
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.13	0.14	0.37	0.57	0.71	0.85	0.89	1.41	1.12	1.24	1.66	1.14	1.24	1.36	1.59
Basic EPS from Cont Ops	0.3	0.31	0.55	0.89	0.99	1.03	0.92	1.41	1.12	1.24	1.66	1.14	1.24	1.36	1.59
Diluted EPS, GAAP	0.13	0.14	0.37	0.57	0.71	0.84	0.87	1.4	1.12	1.24	1.66	1.14	1.24	1.36	1.59
Diluted EPS from Cont Ops	0.3	0.31	0.55	0.89	0.99	1.02	0.9	1.4	1.12	1.24	1.66	1.14	1.24	1.36	1.59
Dividend per Share	0.17	- -	- -	0.65	0.29	0.19	0.14	0.2	0.29	0.4	0.4	0.42	0.44	0.45	0.45
Cash Flow per Share	1.8	2.7	2.24	1.75	1.67	1.59	1.49	1.77	0.42	-2.01	3.21	2.89	1.19	1.33	-0.31
Free Cash Flow per Basic Share	1.75	2.6	2.06	1.55	1.29	1.2	1.33	1.44	0.04	-2.46	2.69	2.73	0.99	1.27	-0.39
Cash & Equivalents per Share	42.8	37.84	36.84	37.95	42.3	47.26	48.83	43.06	39.75	41.9	85.05	26.36	24.62	22.33	14.19
Book Value per Share	4.49	4.61	4.96	5.54	6.25	7.1	8.02	9.23	9.47	9.95	10.03	7.51	8.08	8.99	10.22
Tangible Book Value per Share	8.14	8.02	7.32	8.4	9.16	9.95	10.7	11.25	12.16	13.29	13.99	10.22	11.48	12.92	17.1

Colony Bankcorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)