Head-To-Head Contrast: Colony Bankcorp (NASDAQ:CBAN) & Silvergate Capital (NASDAQ:SI)

Colony Bankcorp (NASDAQ:CBAN) and Silvergate Capital (NYSE:SI) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their valuation, dividends, institutional ownership, risk, profitability, analyst recommendations and earnings.

Valuation & Earnings

This table compares Colony Bankcorp and Silvergate Capital’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Colony Bankcorp $58.64 million 2.60 $11.92 million N/A N/A
Silvergate Capital N/A N/A N/A N/A N/A

Colony Bankcorp has higher revenue and earnings than Silvergate Capital.

Analyst Ratings

This is a summary of recent ratings and target prices for Colony Bankcorp and Silvergate Capital, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Colony Bankcorp 0 0 0 0 N/A
Silvergate Capital 0 1 2 0 2.67

Silvergate Capital has a consensus price target of $17.83, suggesting a potential upside of 17.56%. Given Silvergate Capital’s higher possible upside, analysts plainly believe Silvergate Capital is more favorable than Colony Bankcorp.

Dividends

Colony Bankcorp pays an annual dividend of $0.30 per share and has a dividend yield of 1.9%. Silvergate Capital does not pay a dividend.

Profitability

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

Net Margins Return on Equity Return on Assets
Colony Bankcorp 14.89% 10.89% 0.89%
Silvergate Capital N/A N/A N/A

Insider & Institutional Ownership

20.5% of Colony Bankcorp shares are held by institutional investors. 5.7% of Colony Bankcorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

Colony Bankcorp beats Silvergate Capital on 7 of the 9 factors compared between the two stocks.

Colony Bankcorp Company Profile

Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and retail customers. It offers various deposit products, including demand, savings, and time deposits. The company 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, it 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. As of April 18, 2019, the company operated 27 branches located in central, south, and coastal Georgia. Colony Bankcorp, Inc. was founded in 1975 and is headquartered in Fitzgerald, Georgia.

Silvergate Capital Company Profile

Silvergate Capital Corporation operates as a bank holding company for Silvergate Bank that provides banking products and services to business and individual clients in the United States and internationally. It offers deposit products, including interest and noninterest bearing demand accounts, money market and savings accounts, and certificates of deposit accounts. The company also provides one-to-four family real estate loans, multi-family real estate loans, commercial real estate loans, construction loans, commercial and industrial loans, mortgage warehouse loans, and reverse mortgage loans, as well as consumer loans and other loans secured by personal property; and cash management services. The company is based in La Jolla, California.

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