CBAN

Colony Bankcorp, Inc.

61
Fundamentals70/ 100
Valuation51/ 100
Upside potential70/ 100
Risk potential12/ 100

CBAN's fundamentals are strong: revenue grew 28% and its operating margin rose 2 points to 29%. At 11x earnings, it's trading right at its usual valuation. Analysts expect earnings growth.

IREN

IREN Limited

There isn't enough reported data to score IREN yet.

CBAN Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

CBAN's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CBAN.

IREN Fundamentals

MetricStatus
Under pressure
Weak
N/A
N/A

IREN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like IREN.

CBAN PE Valuation

CHEAPFAIREXPENSIVE3.8x7.6x11x15x
CHEAPFAIREXPENSIVE3.8x7.6x11x15x
LevelPEPriceVs current
Forward8.9x$20.30โ€”
Cheap9.4x$17.14-16%
Fair11x$20.26-0.2%
Current11x$20.30โ€”
Expensive13x$22.83+12%

Historical ranges are pointers, not guarantees.

CBAN's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 8.9x next year's earnings, in its cheap range.

IREN PE Valuation

IREN has no meaningful PE right now: it lost money over the past year.

CBAN Forward outlook

MetricOutlook
Strongly improving
Growth
Strong growth
Strongly weakening
Limited
High

Analysts expect earnings and revenue growth for CBAN, but weaker profitability.

IREN Forward outlook

MetricOutlook
--
Losses growing
Strong growth
Strongly improving
Limited
Low

Analysts expect IREN's losses to grow, with revenue growing. However, they disagree widely on these estimates.

CBAN Risk to reward

ScenarioChangePrice
Upside+28%$25.95
Downside-12%$17.90

Calculated from the latest close: $20.30 on Nov 12.

There is not enough scenario data to compare CBAN and IREN's risk to reward.

IREN Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $19.48 on Nov 12.

There is not enough scenario data to compare CBAN and IREN's risk to reward.

CBAN Earnings Per Share

Q4 2023: $1.24Q1 2024: $1.25Q2 2024: $1.26Q3 2024: $1.25Q4 2024: $1.36Q1 2025: $1.44Q2 2025: $1.59Q3 2025: $1.60Q4 2025: $1.59Q1 2026: $1.60Q2 2026: $1.65Q3 2026: $1.82Forward: $2.28
Q4 2023: $1.24Q1 2024: $1.25Q2 2024: $1.26Q3 2024: $1.25Q4 2024: $1.36Q1 2025: $1.44Q2 2025: $1.59Q3 2025: $1.60Q4 2025: $1.59Q1 2026: $1.60Q2 2026: $1.65Q3 2026: $1.82Forward: $2.28
QuarterTTM EPSYoY
Forward$2.28+25%
Q3 2026$1.82+14%
Q2 2026$1.65+3.8%
Q1 2026$1.60+11%
Q4 2025$1.59+17%
Q3 2025$1.60+28%
Q2 2025$1.59+26%
Q1 2025$1.44+15%
Q4 2024$1.36+9.7%

CBAN has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.

IREN Earnings Per Share

Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
QuarterTTM EPSYoY
Q3 2026-$3.96-347%
Q2 2026-$2.22-988%
Q1 2026$0.51+$1.10
Q4 2025$1.18+$1.62
Q3 2025$1.60+$1.99
Q2 2025$0.25+$0.45
Q1 2025-$0.59-$0.43
Q4 2024-$0.44-$0.15

IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.

CBAN Quarterly Revenue

Q4 2023: $28MQ1 2024: $28MQ2 2024: $28MQ3 2024: $29MQ4 2024: $31MQ1 2025: $30MQ2 2025: $32MQ3 2025: $33MQ4 2025: $37MQ1 2026: $40MQ2 2026: $42MQ3 2026: $43M
Q4 2023: $28MQ1 2024: $28MQ2 2024: $28MQ3 2024: $29MQ4 2024: $31MQ1 2025: $30MQ2 2025: $32MQ3 2025: $33MQ4 2025: $37MQ1 2026: $40MQ2 2026: $42MQ3 2026: $43M
QuarterRevenueYoY
Q3 2026$42.6M+30%
Q2 2026$42M+29%
Q1 2026$39.9M+33%
Q4 2025$36.9M+20%
Q3 2025$32.8M+15%
Q2 2025$32.5M+16%
Q1 2025$30M+6.6%
Q4 2024$30.8M+9.2%

CBAN's revenue has grown year over year for eight quarters in a row: $43M last quarter, up 30% from the same quarter a year ago.

IREN Quarterly Revenue

Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
QuarterRevenueYoY
Q3 2026$228M-5.1%
Q2 2026$137.2M-27%
Q1 2026$144.8M0%
Q4 2025$184.7M+59%
Q3 2025$240.3M+355%
Q2 2025$187.3M+230%
Q1 2025$144.8M+168%
Q4 2024$116.1M+176%

IREN's revenue has held roughly level: $228M last quarter, down 5.1% from the same quarter a year ago.

CBAN Free Cash Flow

Q4 2023: $5MQ1 2024: $5MQ2 2024: $990,000Q3 2024: $20MQ4 2024: โˆ’$4MQ1 2025: $18MQ2 2025: $16MQ3 2025: $14MQ4 2025: โˆ’$54MQ1 2026: $54MQ2 2026: $8MQ3 2026: $5M
Q4 2023: $5MQ1 2024: $5MQ2 2024: $990,000Q3 2024: $20MQ4 2024: โˆ’$4MQ1 2025: $18MQ2 2025: $16MQ3 2025: $14MQ4 2025: โˆ’$54MQ1 2026: $54MQ2 2026: $8MQ3 2026: $5M
QuarterFree cash flowYoY
Q3 2026$4.7M-67%
Q2 2026$8.2M-48%
Q1 2026$53.8M+206%
Q4 2025-$54.3M-$50.5M
Q3 2025$14.1M-30%
Q2 2025$15.8M+1492%
Q1 2025$17.6M+257%
Q4 2024-$3.8M-174%

CBAN has the edge over IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.

IREN Free Cash Flow

Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
QuarterFree cash flowYoY
Q3 2026-$1.6B-$1.6B
Q2 2026$482.2M+2895%
Q1 2026-$873.8M-$523.1M
Q4 2025-$468M-$334M
Q3 2025-$38M+$349.4M
Q2 2025$16.1M+$179M
Q1 2025-$350.7M-$128.7M
Q4 2024-$134M-$105.2M

IREN's free cash flow was โˆ’$2.5B over the past year, against โˆ’$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.

CBAN Total Shares

Q4 2023: 18MQ1 2024: 18MQ2 2024: 18MQ3 2024: 18MQ4 2024: 18MQ1 2025: 18MQ2 2025: 17MQ3 2025: 17MQ4 2025: 18MQ1 2026: 21MQ2 2026: 21MQ3 2026: 21M
Q4 2023: 18MQ1 2024: 18MQ2 2024: 18MQ3 2024: 18MQ4 2024: 18MQ1 2025: 18MQ2 2025: 17MQ3 2025: 17MQ4 2025: 18MQ1 2026: 21MQ2 2026: 21MQ3 2026: 21M
PeriodChange %Net change
Quarterly+0.3%+60.6K shares
1 year+22%+3.8M shares
3 years+21%+3.7M shares
5 years+123%+11.7M shares
Available history+132%+12.1M shares

CBAN has 21M diluted shares, up 22% from a year ago.

IREN Total Shares

Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
PeriodChange %Net change
Quarterly+26%+82.4M shares
1 year+10%+36.9M shares
3 years+511%+333M shares
5 years+624%+344M shares
Available history+2346%+382M shares

IREN has the edge over CBAN on shareholder dilution, with a more favorable share count trend.

CBAN Net Leverage

Q4 2023: 5.9xQ1 2024: 10.3xQ2 2024: 13.0xQ3 2024: 12.1xQ4 2024: 5.9xQ1 2025: 11.1xQ2 2025: 9.7xQ3 2025: 9.7xQ4 2025: 5.4xQ1 2026: 9.2xQ2 2026: 7.4xQ3 2026: 8.5x
Q4 2023: 5.9xQ1 2024: 10.3xQ2 2024: 13.0xQ3 2024: 12.1xQ4 2024: 5.9xQ1 2025: 11.1xQ2 2025: 9.7xQ3 2025: 9.7xQ4 2025: 5.4xQ1 2026: 9.2xQ2 2026: 7.4xQ3 2026: 8.5x
QuarterNet LeverageStatus
Q3 20268.5xHigh
Q2 20267.4xHigh
Q1 20269.2xHigh
Q4 20255.4xHigh
Q3 20259.7xHigh
Q2 20259.7xHigh
Q1 202511.1xHigh
Q4 20245.9xHigh

CBAN's net debt is about 8.5 years of its operating earnings (EBITDA), down from 9.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CBAN.

IREN Net Leverage

Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
QuarterNet LeverageStatus
Q1 2026157.6xHigh
Q4 202522.2xHigh
Q3 20254.1xHigh
Q2 20252.0xModerate
Q1 20253.3xElevated
Q4 2024-4.6xNet Cash
Q3 2024-16.7xNet Cash
Q2 2024-15.9xNet Cash

IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.

CBAN Weekly Momentum

MetricValueStatus
RSI48.0Neutral
Stochastic25.3Neutral

CBAN's weekly RSI is 48 (neutral) and its Stochastic is 25 (neutral).

IREN Weekly Momentum

MetricValueStatus
RSI33.3Neutral
Stochastic8.2Oversold

IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).

CBAN PE vs Financial Services Sector

MetricCBANSector medianRelative
PE11x13x14% below
PE %506313 pts below

CBAN is trading at 11x earnings, a 14% discount to the Financial Services sector's median of 13x.

IREN PE vs Financial Services Sector

MetricIRENSector medianRelative
PEN/A13xโ€”

IREN has no meaningful PE right now: it lost money over the past year.

CBAN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$20.30.2% above
20 week MA$20.92.9% below
50 week MA$20.10.9% above
100 week MA$18.212% above
200 week MA$15.134% above

CBAN has the edge over IREN on trend strength, trading above more of its moving averages.

IREN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$29.835% below
20 week MA$36.246% below
50 week MA$42.854% below
100 week MA$32.039% below
200 week MA$19.12.1% above

IREN has fallen below most of its moving averages, though it's still 2.1% above its 200-week average.

CBAN Yearly ROI

YearStart priceEnd priceROI
2020$16.5$14.1-14%
2021$14.1$16.8+19%
2022$16.8$12.9-23%
2023$12.9$13.3+3.1%
2024$13.3$16.3+22%
2025$16.3$18.1+11%
2026 YTD$18.1$20.3+12%

CBAN has the edge over IREN on returns for 2026, with the stronger performance.

IREN Yearly ROI

YearStart priceEnd priceROI
2021$24.8$17.2-31%
2022$17.2$1.19-93%
2023$1.19$7.15+501%
2024$7.15$10.7+50%
2025$10.7$40.3+276%
2026 YTD$40.3$19.5-52%

IREN's yearly returns have swung widely, from +501% in 2023 to โˆ’93% in 2022. It's down 52% so far in 2026.

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