Colony Bankcorp, Inc. (CBAN) vs Commercial Bancgroup, Inc. (CBK)

Colony Bankcorp, Inc. and Commercial Bancgroup, Inc. are both Banks Regional companies. Colony Bankcorp, Inc. and Commercial Bancgroup, Inc. are of similar size ($440.1M and $435.8M). Commercial Bancgroup, Inc. trades at the lower P/E: 10.9× against 12.5×. Commercial Bancgroup, Inc. has the higher net margin (30.3% vs 15.4%) and the higher return on invested capital (14.9% vs 6.15%). Across the 16 metrics below, Commercial Bancgroup, Inc. leads on 12 and Colony Bankcorp, Inc. on 4.

Valuation

Metric CBAN CBK Banks Regional median
P/E 12.53 10.92 12.15
P/S 2.06 3.38 2.37
P/B 1.12 1.45 1.21
Price to free cash flow 19.25 11.32 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.41 2.63 2.27
Earnings yield 7.98% 9.16% 8.11%
Free cash flow yield 5.19% 8.84% 8.98%

Profitability

Metric CBAN CBK Banks Regional median
Gross margin 71.44% 71.89% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.42% 30.25% 18.66%
Free cash flow margin 10.71% 29.86% 21.18%
Return on equity 9.57% 15.05% 10.64%
Return on assets 0.97% 3.31% 1.13%
Return on invested capital 6.15% 14.93% 8.33%

Growth

Metric CBAN CBK Banks Regional median
Revenue growth (TTM) 16.31% — 6.61%
EPS growth (last fiscal year) 16.91% 13.97% —
Revenue growth, 5-year CAGR 16.84% — 12.30%
Net income growth, 5-year CAGR 19.05% — 9.71%

Health

Metric CBAN CBK Banks Regional median
Debt to equity 0.60 0.24 0.22
Current ratio 0.88 1.06 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBAN CBK Banks Regional median
Dividend yield 3.95% — 3.75%
Payout ratio 0.36 — 0.27

Size

Metric CBAN CBK Banks Regional median
Market cap 440.12m 435.84m 921.07m

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