Comparing Suncrest Bank (OTCMKTS:SBKK) and Colony Bankcorp (NASDAQ:CBAN)

Suncrest Bank (OTCMKTS:SBKK) and Colony Bankcorp (NASDAQ:CBAN) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their analyst recommendations, risk, valuation, dividends, profitability, earnings and institutional ownership.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Suncrest Bank and Colony Bankcorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Suncrest Bank	0	0	0	0	0.00
Colony Bankcorp	0	0	1	0	3.00

Colony Bankcorp has a consensus target price of $21.00, indicating a potential upside of 26.16%. Given Colony Bankcorp’s stronger consensus rating and higher possible upside, analysts clearly believe Colony Bankcorp is more favorable than Suncrest Bank.

Profitability

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

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

Volatility & Risk

Suncrest Bank has a beta of 0.88, indicating that its stock price is 12% less volatile than the S&P 500. Comparatively, Colony Bankcorp has a beta of 0.66, indicating that its stock price is 34% less volatile than the S&P 500.

Earnings and Valuation

This table compares Suncrest Bank and Colony Bankcorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Suncrest Bank	$46.73 million	4.92	$16.96 million	$1.37	13.56
Colony Bankcorp	$121.88 million	2.38	$23.87 million	$1.58	10.53

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

Insider & Institutional Ownership

5.9% of Suncrest Bank shares are held by institutional investors. Comparatively, 50.4% of Colony Bankcorp shares are held by institutional investors. 6.6% of Colony Bankcorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Summary

Colony Bankcorp beats Suncrest Bank on 11 of the 14 factors compared between the two stocks.

About Suncrest Bank

Suncrest Bank engages in the provision of personal and commercial banking services. It provides checking, savings and certificates of deposits, lending, cash management, online and mobile banking, e-statements, remote deposit capture, financial calculators, and customer service center. It also offers agricultural real estate loans, production finance, equipment financing and leasing, development loans, long-term fixed rate, SBA and USDA loans, valley small business guaranteed loans, USDA B&I loans, farmer mac loans, and cal-cap loans. The company was founded on May 19, 2008 and is headquartered in Visalia, CA.

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.