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CBAN vs V

CBAN
Colony Bankcorp, Inc.
NEUTRAL
Price
$19.89
Market Cap
$420.9M
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
CBAN
12.43
V
28.35
Forward P/E
CBAN
9.36
V
20.79
P/B Ratio
CBAN
1.11
V
15.09
P/S Ratio
CBAN
3.06
V
14.08
EV/EBITDA
CBAN
--
V
20.06

Profitability

Gross Margin
CBAN
0.0%
V
97.78%
Operating Margin
CBAN
31.74%
V
68.3%
Profit Margin
CBAN
21.73%
V
50.23%
ROE
CBAN
8.94%
V
53.95%
ROA
CBAN
0.87%
V
18.36%

Growth

Revenue Growth
CBAN
33.9%
V
14.6%
Earnings Growth
CBAN
2.4%
V
17.4%

Financial Health

Debt/Equity
CBAN
--
V
0.55
Current Ratio
CBAN
--
V
1.11
Quick Ratio
CBAN
--
V
0.72

Dividends

Dividend Yield
CBAN
2.36%
V
0.89%
Payout Ratio
CBAN
29.06%
V
22.91%

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

CBAN vs V: Head-to-Head Comparison

This page compares Colony Bankcorp, Inc. (CBAN) and Visa Inc. (V) 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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