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CBAN vs WTBA

CBAN
Colony Bankcorp, Inc.
NEUTRAL
Price
$19.89
Market Cap
$420.9M
Sector
Financial Services
AI Confidence
85%
WTBA
West Bancorporation, Inc.
NEUTRAL
Price
$24.48
Market Cap
$416.8M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CBAN
12.43
WTBA
11.83
Forward P/E
CBAN
9.36
WTBA
8.59
P/B Ratio
CBAN
1.11
WTBA
1.56
P/S Ratio
CBAN
3.06
WTBA
4.38
EV/EBITDA
CBAN
--
WTBA
--

Profitability

Gross Margin
CBAN
0.0%
WTBA
0.0%
Operating Margin
CBAN
31.74%
WTBA
43.15%
Profit Margin
CBAN
21.73%
WTBA
34.19%
ROE
CBAN
8.94%
WTBA
13.19%
ROA
CBAN
0.87%
WTBA
0.8%

Growth

Revenue Growth
CBAN
33.9%
WTBA
17.4%
Earnings Growth
CBAN
2.4%
WTBA
3.3%

Financial Health

Debt/Equity
CBAN
--
WTBA
--
Current Ratio
CBAN
--
WTBA
--
Quick Ratio
CBAN
--
WTBA
--

Dividends

Dividend Yield
CBAN
2.36%
WTBA
4.08%
Payout Ratio
CBAN
29.06%
WTBA
48.31%

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
WTBA NEUTRAL

WTBA presents a valuation-driven opportunity tempered by deteriorating earnings momentum. The deterministic baseline shows a stable Piotroski F-Score of 4/9 and a current price ($24.48) trading slightly below both its Intrinsic Value ($24.74) and Graham Number ($27.04). While the dividend profile is strong and the P/E ratio is attractive, a significant recent Q/Q EPS decline of 21.8% and bearish insider activity suggest immediate headwinds.

Strengths
Trading below Graham Number ($27.04) and Intrinsic Value ($24.74)
Strong dividend yield of 4.08% with a sustainable payout ratio of 48.31%
Robust revenue growth (YoY 17.40%)
Risks
Sharp recent decline in earnings growth (Q/Q EPS growth -21.8%)
Bearish insider sentiment with recent director sales totaling $0.52M
Very weak technical trend (10/100), indicating strong downward momentum

Compare Another Pair

CBAN vs WTBA: Head-to-Head Comparison

This page compares Colony Bankcorp, Inc. (CBAN) and West Bancorporation, Inc. (WTBA) 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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