U.S.A Bank (OTCMKTS:USBK) versus Colony Bankcorp (NASDAQ:CBAN) Critical Survey

Colony Bankcorp (NASDAQ:CBAN) and U.S.A Bank (OTCMKTS:USBK) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their analyst recommendations, profitability, institutional ownership, risk, dividends, valuation and earnings.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Colony Bankcorp and U.S.A Bank, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Colony Bankcorp	0	0	1	0	3.00
U.S.A Bank	0	0	0	0	0.00

Colony Bankcorp currently has a consensus price target of $21.00, suggesting a potential upside of 25.55%. Given Colony Bankcorp’s stronger consensus rating and higher probable upside, analysts plainly believe Colony Bankcorp is more favorable than U.S.A Bank.

Profitability

This table compares Colony Bankcorp and U.S.A Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Colony Bankcorp	13.51%	9.64%	0.85%
U.S.A Bank	N/A	N/A	N/A

Volatility & Risk

Colony Bankcorp has a beta of 0.66, suggesting that its share price is 34% less volatile than the S&P 500. Comparatively, U.S.A Bank has a beta of -24.99, suggesting that its share price is 2,599% less volatile than the S&P 500.

Institutional & Insider Ownership

50.4% of Colony Bankcorp shares are owned by institutional investors. 6.6% of Colony Bankcorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares Colony Bankcorp and U.S.A Bank”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Colony Bankcorp	$121.88 million	2.40	$23.87 million	$1.58	10.59
U.S.A Bank	N/A	N/A	N/A	N/A	N/A

Colony Bankcorp has higher revenue and earnings than U.S.A Bank.

Summary

Colony Bankcorp beats U.S.A Bank on 10 of the 10 factors compared between the two stocks.

About Colony Bankcorp

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 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. The company was founded in 1975 and is headquartered in Fitzgerald, Georgia.

About U.S.A Bank

As of July 10, 2010, U.S.A Bank was acquired by Customers Bank (Phoenixville, Pennsylvania). U.S.A Bank operates as a community bank in New York. It offers deposit products, Internet banking, ATM cards, consumer loans, and residential and commercial loans. U.S.A Bank was founded in 2005 and is based in Port Chester, New York.