Colony Bankcorp, Inc. cash flow to debt ratio of -2.15% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Colony Bankcorp, Inc.'s free cash flow has decreased 130.91% from $22.32M last year to $-6.90M, signaling decreasing performance

Colony Bankcorp, Inc.'s debt to equity ratio is 0.60, which means that the company's assets are healthy financed, signaling financial stability.

Colony Bankcorp, Inc.'s debt has decreased relative to shareholder equity from 0.89 last year to 0.60 today, signaling strengthened financials

Colony Bankcorp, Inc. has a net debt to EBITDA ratio of 0.16x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Colony Bankcorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Colony Bankcorp, Inc.'s profit margin has increased (52.34%) in the last year from 13.51% to 20.59%, signaling increasing performance

Colony Bankcorp, Inc.'s short-term liabilities of $3.07B exceed its short-term assets of $252.50M, signaling financial risk

Colony Bankcorp, Inc.'s return on assets of 0.90% is lower than the 5.00% threshold, indicating inefficient asset utilization

Colony Bankcorp, Inc.'s return on equity of 9.04%, is lower than 15.00%, indicating bad performance

Colony Bankcorp, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Colony Bankcorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Colony Bankcorp, Inc. has negative free cash flow, indicating the company is burning cash rather than generating it

Colony Bankcorp, Inc. has negative free cash flow, indicating cash burn

Colony Bankcorp, Inc.'s yearly earnings has increased 18.37% since last year from $23.87M to $28.25M, signaling increasing performance

Colony Bankcorp, Inc.'s yearly revenue has decreased 15.10% since last year from $176.62M to $149.95M, signaling decreasing performance

ROIC 0.41% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Colony Bankcorp, Inc.'s 3-year revenue CAGR of 13.72% is positive, indicating growing revenue over the past 3 years

Colony Bankcorp, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Colony Bankcorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Colony Bankcorp, Inc. has insufficient data to evaluate this check.

Colony Bankcorp, Inc. has an earnings yield of 7.04%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Colony Bankcorp, Inc. is overvalued relative to its fair value price of 0.28 based on EBITDA multiple model

Colony Bankcorp, Inc. has an EV/EBITDA ratio of 13.36x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Colony Bankcorp, Inc. is undervalued relative to its fair value price of 37.29 based on Earnings Fair Value model

Colony Bankcorp, Inc. has a PEG-ratio over 1 which is considered overvalued

Colony Bankcorp, Inc. has a price-to-book ratio of 1.19x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Colony Bankcorp, Inc. has a price-to-sales ratio of 2.92x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue