Comparing Colony Bankcorp (NASDAQ:CBAN) & University Bancorp (OTCMKTS:UNIB)

Colony Bankcorp (NASDAQ:CBANGet Rating) and University Bancorp (OTCMKTS:UNIBGet Rating) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, institutional ownership, valuation, earnings, analyst recommendations, risk and profitability.

Profitability

This table compares Colony Bankcorp and University Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Colony Bankcorp 16.92% 11.87% 0.99%
University Bancorp N/A N/A N/A

Volatility & Risk

Colony Bankcorp has a beta of 0.52, suggesting that its stock price is 48% less volatile than the S&P 500. Comparatively, University Bancorp has a beta of 0.47, suggesting that its stock price is 53% less volatile than the S&P 500.

Institutional & Insider Ownership

28.3% of Colony Bankcorp shares are owned by institutional investors. 7.7% of Colony Bankcorp shares are owned by insiders. Comparatively, 63.7% of University Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Valuation and Earnings

This table compares Colony Bankcorp and University Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Colony Bankcorp $106.88 million 2.69 $18.66 million $1.51 10.82
University Bancorp N/A N/A N/A N/A N/A

Colony Bankcorp has higher revenue and earnings than University Bancorp.

Analyst Ratings

This is a summary of recent recommendations for Colony Bankcorp and University Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Colony Bankcorp 0 0 2 0 3.00
University Bancorp 0 0 0 0 N/A

Colony Bankcorp presently has a consensus target price of $21.50, suggesting a potential upside of 31.58%. Given Colony Bankcorp’s higher probable upside, equities analysts plainly believe Colony Bankcorp is more favorable than University Bancorp.

Dividends

Colony Bankcorp pays an annual dividend of $0.43 per share and has a dividend yield of 2.6%. University Bancorp pays an annual dividend of $0.30 per share and has a dividend yield of 1.7%. Colony Bankcorp pays out 28.5% of its earnings in the form of a dividend. Colony Bankcorp has raised its dividend for 5 consecutive years. Colony Bankcorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Colony Bankcorp beats University Bancorp on 10 of the 12 factors compared between the two stocks.

Colony Bankcorp Company Profile (Get Rating)

Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and consumer customers. The company offers various deposit products, including demand, savings, and time deposits. It also provides loans to small and medium-sized businesses; residential and commercial construction, and land development loans; commercial real estate loans; commercial loans; agri-business and production loans; residential mortgage loans; home equity loans; and consumer loans. In addition, the company offers internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, and remote depository products, as well as access to a network of ATMs. As of January 20, 2022, it operated 39 locations throughout Georgia. The company was founded in 1975 and is headquartered in Fitzgerald, Georgia.

University Bancorp Company Profile (Get Rating)

University Bancorp, Inc. operates as the bank holding company for University Bank that provides various personal, business, and community banking services in the United States. It offers checking, NOW, savings, money market, time deposit, and certificate of deposit accounts. The company's consumer loans include home equity, short term, automobile, personal, and recreational vehicle loans, as well as home equity lines of credits; and commercial real estate, equipment, small business, and non-profit loans, as well as working capital lines of credit. In addition, the company offers foreign currency exchange; online banking and bill pay; online reorder checks; wire transfer; and courier services, as well as credit card and ATM services. Further, it provides life, health, property, and casualty insurance products, as well as investment products, including annuities. University Bancorp, Inc. was founded in 1890 and is based in Ann Arbor, Michigan.

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