Colony Bankcorp (NASDAQ:CBAN) & Glacier Bancorp (NASDAQ:GBCI) Head-To-Head Review

Colony Bankcorp (NASDAQ:CBAN) and Glacier Bancorp (NASDAQ:GBCI) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their dividends, risk, analyst recommendations, earnings, profitability, institutional ownership and valuation.

Valuation and Earnings

This table compares Colony Bankcorp and Glacier Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Colony Bankcorp	$121.88 million	2.30	$23.87 million	$1.58	10.17
Glacier Bancorp	$877.23 million	6.23	$190.14 million	$1.92	24.02

Glacier Bancorp has higher revenue and earnings than Colony Bankcorp. Colony Bankcorp is trading at a lower price-to-earnings ratio than Glacier Bancorp, indicating that it is currently the more affordable of the two stocks.

Dividends

Colony Bankcorp pays an annual dividend of $0.46 per share and has a dividend yield of 2.9%. Glacier Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 2.9%. Colony Bankcorp pays out 29.1% of its earnings in the form of a dividend. Glacier Bancorp pays out 68.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Colony Bankcorp has raised its dividend for 7 consecutive years. Colony Bankcorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

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, Glacier Bancorp has a beta of 0.79, suggesting that its share price is 21% less volatile than the S&P 500.

Insider & Institutional Ownership

50.4% of Colony Bankcorp shares are held by institutional investors. Comparatively, 80.2% of Glacier Bancorp shares are held by institutional investors. 6.6% of Colony Bankcorp shares are held by insiders. Comparatively, 0.5% of Glacier Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Profitability

This table compares Colony Bankcorp and Glacier Bancorp’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%
Glacier Bancorp	14.99%	5.98%	0.68%

Analyst Ratings

This is a breakdown of recent recommendations for Colony Bankcorp and Glacier Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Colony Bankcorp	0	0	1	0	3.00
Glacier Bancorp	0	3	3	1	2.71

Colony Bankcorp currently has a consensus target price of $21.00, indicating a potential upside of 30.67%. Glacier Bancorp has a consensus target price of $51.67, indicating a potential upside of 12.02%. Given Colony Bankcorp’s stronger consensus rating and higher possible upside, equities research analysts plainly believe Colony Bankcorp is more favorable than Glacier Bancorp.

Summary

Glacier Bancorp beats Colony Bankcorp on 10 of the 18 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 Glacier Bancorp

Glacier Bancorp, Inc. operates as the bank holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States. The company offers retail banking, business banking, and mortgage origination and loan servicing services. It also provides non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal and demand deposit accounts, savings, money market deposits, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. In addition, the company offers construction and permanent loans on residential real estate; consumer land or lot loans; unimproved land and land development loans; and residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. Further, it provides commercial real estate loans to purchase, construct, and finance commercial real estate properties; consumer loans secured by real estate, automobiles, or other assets; home equity loans consisting of junior lien mortgages, and first and junior lien lines of credit secured by owner-occupied 1-4 family residences; and agriculture loans. Glacier Bancorp, Inc. was founded in 1955 and is headquartered in Kalispell, Montana.