DDM Analysis: CBAN

Valuation Snapshot

Stable Growth	$61.67 - $316.25	$125.96
Multi-Stage	$34.12 - $37.31	$35.68
Blended Fair Value	$80.82
Current Price	$17.01
Upside	375.15%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	24.02%	0.00%	0.45	0.44	0.41	0.25	0.22	0.15	0.10	0.05	0.00	0.00
YoY Growth	-	-	2.29%	7.88%	60.39%	17.45%	41.16%	59.48%	100.02%	0.00%	0.00%	0.00%
Dividend Yield	-	-	2.79%	3.96%	4.01%	1.37%	1.39%	1.23%	0.57%	0.28%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	27.84
(-) Cash Dividends Paid (M)	8.00
(=) Cash Retained (M)	19.84

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	5.57	3.48	2.09
Cash Retained (M)	19.84	19.84	19.84
(-) Cash Required (M)	-5.57	-3.48	-2.09
(=) Excess Retained (M)	14.27	16.36	17.75
(/) Shares Outstanding (M)	17.51	17.51	17.51
(=) Excess Retained per Share	0.82	0.93	1.01
LTM Dividend per Share	0.46	0.46	0.46
(+) Excess Retained per Share	0.82	0.93	1.01
(=) Adjusted Dividend	1.27	1.39	1.47
WACC / Discount Rate	7.68%	7.68%	7.68%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$61.67	$125.96	$316.25
Upside / Downside	262.53%	640.50%	1,759.21%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	27.84	29.65	31.58	33.63	35.82	38.15	39.29
Payout Ratio	28.75%	41.00%	53.25%	65.50%	77.75%	90.00%	92.50%
Projected Dividends (M)	8.00	12.16	16.82	22.03	27.85	34.33	36.34

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.68%	7.68%	7.68%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	11.18	11.29	11.40
Year 2 PV (M)	14.23	14.50	14.78
Year 3 PV (M)	17.15	17.65	18.15
Year 4 PV (M)	19.95	20.72	21.51
Year 5 PV (M)	22.63	23.72	24.85
PV of Terminal Value (M)	512.18	536.92	562.60
Equity Value (M)	597.32	624.79	653.28
Shares Outstanding (M)	17.51	17.51	17.51
Fair Value	$34.12	$35.68	$37.31
Upside / Downside	100.57%	109.79%	119.35%

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Colony Bankcorp, Inc. (CBAN)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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