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Colony Bankcorp, Inc. (CBAN) vs PCB Bancorp (PCB)

Colony Bankcorp, Inc. and PCB Bancorp are both Banks Regional companies. Colony Bankcorp, Inc. and PCB Bancorp are of similar size ($431.6M and $410.8M). PCB Bancorp trades at the lower P/E: 10.3× against 12.5×. Colony Bankcorp, Inc. grew revenue faster over the last twelve months: 16.3% against 6.34%. PCB Bancorp has the higher net margin (19.4% vs 15.4%) and the higher return on invested capital (16.3% vs 6.15%). Both pay a dividend; Colony Bankcorp, Inc. yields more (2.88% vs 2.87%). Across the 19 metrics below, PCB Bancorp leads on 14 and Colony Bankcorp, Inc. on 5.

Valuation

Metric CBAN PCB Banks Regional median
P/E 12.51 10.33 12.46
P/S 2.06 1.99 2.41
P/B 1.12 1.28 1.26
Price to free cash flow 19.21 10.35 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.99% 9.68% 7.96%
Free cash flow yield 5.20% 9.66% 8.80%

Profitability

Metric CBAN PCB Banks Regional median
Gross margin 71.44% 56.62% 69.75%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.42% 19.35% 18.88%
Free cash flow margin 10.71% 19.21% 17.28%
Return on equity 9.57% 12.89% 10.43%
Return on assets 0.97% 1.22% 1.14%
Return on invested capital 6.15% 16.25% 8.47%

Growth

Metric CBAN PCB Banks Regional median
Revenue growth (TTM) 16.31% 6.34% 6.94%
EPS growth (last fiscal year) 16.91% 48.28% 18.88%
Revenue growth, 5-year CAGR 16.84% 18.00% 12.56%
Net income growth, 5-year CAGR 19.05% 17.91% 9.78%

Health

Metric CBAN PCB Banks Regional median
Debt to equity 0.60 0.22 0.20
Current ratio 0.88 1.07 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBAN PCB Banks Regional median
Dividend yield 2.88% 2.87% 2.64%
Payout ratio 0.36 0.30 0.32

Size

Metric CBAN PCB Banks Regional median
Market cap 431.63m 410.80m 910.32m

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