Core Insights - Colony Bankcorp is identified as a superior stock compared to Bay Banks of Virginia based on various financial metrics and analyst recommendations [1] Profitability - Colony Bankcorp has a net margin of 13.51%, return on equity of 9.64%, and return on assets of 0.85% [2] Valuation and Earnings - Colony Bankcorp's gross revenue is $126.05 million with a price/sales ratio of 2.53, and net income of $23.87 million, resulting in earnings per share (EPS) of $1.59 and a price/earnings ratio of 11.51 - In contrast, Bay Banks of Virginia has a gross revenue of $55.38 million and net income of $7.06 million, but lacks available EPS and price/earnings ratio data [4] Analyst Recommendations - Colony Bankcorp has a consensus price target of $21.00, indicating a potential upside of 14.75%, with one buy rating and a rating score of 3.00 - Bay Banks of Virginia has no buy, hold, or sell ratings, resulting in a rating score of 0.00 [6] Institutional & Insider Ownership - 50.4% of Colony Bankcorp shares are owned by institutional investors, while 6.6% are owned by company insiders - In comparison, 7.6% of Bay Banks of Virginia shares are owned by company insiders [7] Summary - Colony Bankcorp outperforms Bay Banks of Virginia in 10 out of 11 financial factors compared [8]

Core Viewpoint - Citizens Holding Company reported significant growth in net income and earnings per share for the three and nine months ended September 30, 2025, driven by loan growth and improved profitability metrics. Financial Performance - Net income for the three months ended September 30, 2025, was $2,357, or $0.42 per share, representing a 27.6% increase from the previous quarter and a 641.23% increase from the same quarter in 2024 [3][4]. - For the nine months ended September 30, 2025, net income was $6,057, or $1.08 per share, an increase of 1773.7% from a net loss of $362 in the same period in 2024 [4][28]. Loan and Deposit Growth - Total loans held for investment (LHFI) as of September 30, 2025, totaled $831,202, reflecting a 1.6% increase from the previous quarter and a 16.82% increase year-over-year [9][10]. - Total deposits as of September 30, 2025, were $1,182,358, a decrease from $1,265,573 at June 30, 2025, but an increase from $1,092,738 at September 30, 2024 [11]. Net Interest Income and Margin - Net interest income for the three months ended September 30, 2025, was $10,952, a 2.4% increase from the previous quarter and a 25.0% increase from the same period in 2024 [12][14]. - The net interest margin (NIM) increased to 3.20% for the three months ended September 30, 2025, up from 3.08% in the previous quarter and 2.40% in the same period in 2024 [9][12]. Credit Quality - Credit quality metrics remained strong, with non-performing assets (NPA) to loans at 0.85% as of September 30, 2025, compared to 0.82% at June 30, 2025 [9][16]. - The allowance for credit losses (ACL) to loans was 1.04% at September 30, 2025, up from 1.00% in the prior quarter [9][18]. Noninterest Income and Expense - Noninterest income for the three months ended September 30, 2025, increased by 15.2% compared to the previous quarter, primarily due to an increase in service charges on deposit accounts [22][23]. - Noninterest expense increased by 2.3% for the three months ended September 30, 2025, compared to the previous quarter, driven by higher salaries and employee benefits [26][27]. Capital Position - The company maintained a strong capital position, with a Tier 1 leverage ratio of 7.44% and a common equity tier 1 capital ratio of 10.90% as of September 30, 2025 [20][31]. - Tangible book value per common share increased to $7.96 as of September 30, 2025, up from $6.67 at June 30, 2025 [9][31].

Core Points - Citizens Holding Company has announced the suspension of its quarterly cash dividend on common stock to focus on raising capital for growth [1] - CEO Stacy Brantley emphasized the company's commitment to a strong dividend policy and the intention to resume dividend payments in the future [1] Company Overview - Citizens Holding Company is a one-bank holding company based in Philadelphia, Mississippi, operating the Bank with locations in fourteen counties across the state [2] - The company provides full-service commercial banking, mortgage loans, title insurance services, and a range of internet banking services [2] - Citizens Holding Company is listed on the OTCQX Best Market under the symbol CIZN [2]