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CBAN vs EVN

CBAN
Colony Bankcorp, Inc.
NEUTRAL
Price
$19.89
Market Cap
$420.9M
Sector
Financial Services
AI Confidence
85%
EVN
Eaton Vance Municipal Income Trust
BEARISH
Price
$10.53
Market Cap
$420.2M
Sector
Financial Services
AI Confidence
90%

Valuation

P/E Ratio
CBAN
12.43
EVN
1053.0
Forward P/E
CBAN
9.36
EVN
--
P/B Ratio
CBAN
1.11
EVN
0.97
P/S Ratio
CBAN
3.06
EVN
13.92
EV/EBITDA
CBAN
--
EVN
--

Profitability

Gross Margin
CBAN
0.0%
EVN
100.0%
Operating Margin
CBAN
31.74%
EVN
86.04%
Profit Margin
CBAN
21.73%
EVN
1.4%
ROE
CBAN
8.94%
EVN
0.1%
ROA
CBAN
0.87%
EVN
2.51%

Growth

Revenue Growth
CBAN
33.9%
EVN
7.7%
Earnings Growth
CBAN
2.4%
EVN
5.9%

Financial Health

Debt/Equity
CBAN
--
EVN
0.46
Current Ratio
CBAN
--
EVN
1.11
Quick Ratio
CBAN
--
EVN
1.11

Dividends

Dividend Yield
CBAN
2.36%
EVN
5.85%
Payout Ratio
CBAN
29.06%
EVN
6156.0%

AI Verdict

CBAN NEUTRAL

CBAN presents a conflicting profile characterized by a very weak Piotroski F-Score of 2/9, indicating significant deterioration in fundamental financial health. While the stock trades below its Graham Number ($25.44) and maintains a reasonable P/E of 12.43, the divergence between strong revenue growth (33.9%) and stagnant earnings growth (2.4%) is concerning. Technical trends are heavily bearish (10/100), offsetting the 'Strong Buy' analyst consensus. Overall, the valuation is attractive, but the underlying financial health metrics suggest high operational risk.

Strengths
Strong year-over-year revenue growth of 33.90%
Attractive valuation with P/B of 1.11 and P/E of 12.43
Trading below the Graham Number defensive fair value of $25.44
Risks
Critically low Piotroski F-Score (2/9) signaling weak financial health
Severe bearish technical trend (10/100)
Significant divergence between revenue growth and earnings growth
EVN BEARISH

EVN exhibits a stable but stagnant financial profile with a Piotroski F-Score of 4/9. The asset is severely overvalued by traditional deterministic metrics, with a Graham Number of $1.56 and an Intrinsic Value of $0.16, though this discrepancy is common for Closed-End Funds (CEFs) where Net Asset Value (NAV) is the primary driver. A critical red flag is the 6156% payout ratio, indicating that dividends are not being covered by earnings. Combined with a 0/100 technical trend, the outlook is bearish despite the modest 5.85% yield.

Strengths
Trading at a slight discount to book value (P/B 0.97)
Stable health rating (Piotroski 4/9)
Positive 1-year price performance (+11.4%)
Risks
Extreme payout ratio (6156%) suggests unsustainable dividend funding
Absurd P/E ratio (1053.00) indicates negligible earnings relative to price
Bearish technical trend (0/100)

Compare Another Pair

CBAN vs EVN: Head-to-Head Comparison

This page compares Colony Bankcorp, Inc. (CBAN) and Eaton Vance Municipal Income Trust (EVN) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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