Colony Bankcorp, Inc. (CBAN) vs Pioneer Bancorp, Inc. (PBFS)

Colony Bankcorp, Inc. and Pioneer Bancorp, Inc. are both Banks Regional companies. Colony Bankcorp, Inc. and Pioneer Bancorp, Inc. are of similar size ($440.5M and $425.1M). Colony Bankcorp, Inc. trades at the lower P/E: 12.0× against 25.2×. Colony Bankcorp, Inc. grew revenue faster over the last twelve months: 16.3% against 15.1%. Colony Bankcorp, Inc. has the higher net margin (15.4% vs 12.5%) and the lower return on invested capital (6.15% vs 6.26%). Across the 18 metrics below, Colony Bankcorp, Inc. leads on 9 and Pioneer Bancorp, Inc. on 9.

Valuation

Metric CBAN PBFS Banks Regional median
P/E 11.98 25.24 11.98
P/S 1.97 3.13 2.34
P/B 1.07 1.29 1.19
Price to free cash flow 18.39 18.00 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.35% 3.96% 8.23%
Free cash flow yield 5.44% 5.56% 9.08%

Profitability

Metric CBAN PBFS Banks Regional median
Gross margin 71.44% 75.63% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.42% 12.49% 18.66%
Free cash flow margin 10.71% 17.40% 21.11%
Return on equity 9.57% 5.24% 10.65%
Return on assets 0.97% 0.76% 1.13%
Return on invested capital 6.15% 6.26% 8.35%

Growth

Metric CBAN PBFS Banks Regional median
Revenue growth (TTM) 16.31% 15.13% 6.98%
EPS growth (last fiscal year) 16.91% 43.80% 18.88%
Revenue growth, 5-year CAGR 16.84% 12.85% 12.38%
Net income growth, 5-year CAGR 19.05% 31.30% 9.71%

Health

Metric CBAN PBFS Banks Regional median
Debt to equity 0.60 0.00 0.22
Current ratio 0.88 1.00 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBAN PBFS Banks Regional median
Dividend yield 2.40% — 2.57%
Payout ratio 0.29 — 0.30

Size

Metric CBAN PBFS Banks Regional median
Market cap 425.05m 440.45m 913.33m

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