OakChart

Georgia Banking Co Inc

GBCFinancial·Banks - Regional·USA·Small·NASD·Nov 12 • 11:33 AM ET

34.01+0.17 (0.50%)
2026-11-12 17:42 CET
Market cap
361.15 USD m
Revenue, TTM
- USD m
Net income, TTM
6.26 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
0.57
P/E
-
Compare

Price

GBC against its price
Patternshover a marker to name it
40.0050.0060.0047K93KVolumeOct 26Nov 26GBCclose 34.0134.0152w high

43.3% under the 52-week high of 60.00 on 29 Oct 2026. 52-week low 33.05 on 6 Nov 2026. Last 11 sessions, 81.5% high to low. This session is unfinished.

Setup
CANSLIM 0 of 6 — fails: 52-Week High/Low: 0-10% below High; Institutional Ownership: Over 50%; Average Volume: Over 200K — not on the tape: EPS Growth Qtr Over Qtr: High (>25%); EPS Growth This Year: High (>25%); Performance: Year +50%
VCP 1 of 6 — fails: 52-Week High/Low: 0-10% below High; Average True Range: Under 2 — not on the tape: 200-Day Simple Moving Average: Price above SMA200; 50-Day Simple Moving Average: SMA50 above SMA200; RSI (14): Not Overbought (<60)
Minervini 0 of 4 — fails: 52-Week High/Low: 0-10% below High — not on the tape: 200-Day Simple Moving Average: Price above SMA200; 50-Day Simple Moving Average: SMA50 above SMA200; Performance: Year +50%
Zanger 0 of 5 — fails: Performance: Week +10%; 20-Day High/Low: 0-5% below High; Relative Volume: Over 1.5 — not on the tape: RSI (14): Not Oversold (>50); 200-Day Simple Moving Average: Price above SMA200
Leaders 0 of 5 — fails: Average Volume: Over 500K; 52-Week High/Low: 0-10% below High — not on the tape: 50-Day Simple Moving Average: Price above SMA50; 200-Day Simple Moving Average: Price above SMA200; Performance: Year +50%
Breakout 0 of 4 — fails: 52-Week High/Low: New High; Relative Volume: Over 2 — not on the tape: 50-Day Simple Moving Average: Price above SMA50; 200-Day Simple Moving Average: Price above SMA200
Growth 0 of 4 — not on the tape: EPS Growth Qtr Over Qtr: High (>25%); EPS Growth This Year: High (>25%); EPS Growth Next Year: High (>25%); Return on Equity: Over +15%
Quality 0 of 5 — fails: Debt/Equity: Low (<0.1); Current Ratio: Over 1 — not on the tape: Return on Equity: Over +15%; Net Profit Margin: High (>20%); P/E: Under 25
Value 1 of 4 — fails: Debt/Equity: Low (<0.1) — not on the tape: P/E: Under 15; Return on Equity: Over +15%
Income 0 of 4 — fails: Dividend Growth: Growing 2+ Years — not on the tape: Dividend Yield: Over 2%; Payout Ratio: Low (<20%); P/E: Under 25
Small Cap 0 of 4 — fails: Average Volume: Over 500K — not on the tape: Float: Under 100M; 200-Day Simple Moving Average: Price above SMA200; Performance: Year +50%
Accumulation 0 of 4 — fails: Institutional Ownership: Over 30% — not on the tape: Institutional Transactions: Over +10%; 200-Day Simple Moving Average: Price above SMA200; Performance: Year Up
Relative Strength 0 of 3 — fails: Average Volume: Over 500K — not on the tape: Performance: Year +100%; 200-Day Simple Moving Average: Price above SMA200

Volume 0.37× normal · the line is the 50-bar volume average

Profile

GBC
52-week range, 4% of the way up
33.0560.00

Georgia Banking Co., Inc. is a bank holding company. It offers personal, business, commercial, and digital banking. The company was founded in 1998 and is headquartered in Atlanta, GA.

IPOOct 29, 2026
ATR, 14d4.24
Rel volume0.37
Inst own19.71%

Snapshot

6 groups

Valuation

Index-
Market Cap392.00M
Enterprise Value-
Income-
Sales-
Book/sh26.95
Cash/sh-
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout-
Employees-
IPOOct 29, 2026

Ratios

P/E-
Forward P/E-
PEG-
P/S-
P/B1.26
P/C-
P/FCF-
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.27
Debt/Eq0.41
LT Debt/Eq0.41
Option/ShortNo / Yes

Earnings

EPS (ttm)-
EPS next Y-
EPS next Q-
EPS this Y-
EPS next Y-
EPS next 5Y-
EPS past 3/5Y- -
Sales past 3/5Y- -
EPS Y/Y TTM-
Sales Y/Y TTM-
EPS Q/Q-
Sales Q/Q-
Earnings-
EPS/Sales Surpr.- -

Ownership

Insider Own-
Insider Trans-
Inst Own19.71%
Inst Trans-
ROA-
ROE-
ROIC-
Gross Margin-
Oper. Margin-
Profit Margin-
SMA20-2.62%
SMA50-2.62%
SMA200-2.62%
Trades-

Technical

Shs Outstand10.67M
Shs Float-
Short Float-
Short Ratio0.07
Short Interest0.00M
52W High60.00 -43.32%
52W Low33.05 2.90%
Volatility2.04% -
ATR (14)4.24
RSI (14)-
Beta-
Rel Volume0.37
Avg Volume44.17K
Volume6,085

Performance

Perf Week0.77%
Perf Month-
Perf Quarter-
Perf Half Y-
Perf YTD-43.32%
Perf Year-
Perf 3Y-
Perf 5Y-
Perf 10Y-
Recom-
Target Price-
Prev Close33.84
Price34.01
Change %0.50%

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
No quarterly earnings.

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
No annual earnings.

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
No estimate revisions.

Estimate history

EPS, annual1.1232.615
Period20242025
EPS, quarterly0.57
PeriodQ3 '26
Sales, annual137.718175.211
Period20242025
Sales, quarterly51.463
PeriodQ3 '26
Shares, annual8.4448.44410.672
Period20242025MRQ
Shares, quarterly10.672
PeriodQ3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY
Interest Income48.64164.87130.41
Total Interest Expense17.2262.4958.73
Net Interest Income31.42102.3871.68
Loan Loss Provision2.024.528.32
Net Interest Income After Loan Loss Provision29.4097.8663.36
Non-Interest Income2.8310.347.31
Non-Interest Expense23.2771.6259.38
Operating Income8.9536.5711.29
Unusual Expense0.496.730.00
Net Income Before Taxes8.4629.8411.29
Income Taxes2.207.762.83
Consolidated Net Income6.2622.088.46
Net Income From Continuing Operations6.2622.088.46
Net Income6.2622.088.46
EPS (Recurring)-3.171.12
EPS (Basic, Before Extraordinaries)0.592.681.15
EPS (Diluted)0.572.621.12
Non-Operating Income (Expense)-0.000.00
Other After Tax Adjustments-0.000.00
Stock Option Compensation Expense-0.670.97
Operating Margin-20.878.19
Net Margin-12.606.14
Shares Outstanding10.678.448.44
Market Capitalization361.15361.15-

Income statement, quarterly

Currency USD, millions
Metric2026Q3
Interest Income48.64
Total Interest Expense17.22
Net Interest Income31.42
Loan Loss Provision2.02
Net Interest Income After Loan Loss Provision29.40
Non-Interest Income2.83
Non-Interest Expense23.27
Operating Income8.95
Unusual Expense0.49
Net Income Before Taxes8.46
Income Taxes2.20
Consolidated Net Income6.26
Net Income From Continuing Operations6.26
Net Income6.26
EPS (Basic, Before Extraordinaries)0.59
EPS (Diluted)0.57
Operating Margin17.40
Net Margin12.17
Shares Outstanding10.67
Market Capitalization361.15

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY
Cash & Due from Banks7.038.01
Investments874.95864.03
Net Loans1,699.361,291.69
Investment in Unconsolidated Affiliates0.000.00
Customer Liability on Acceptances0.000.00
Net Property, Plant & Equipment55.1350.41
Interest Receivables8.697.66
Other Intangible Assets57.1741.83
Total Assets2,702.332,263.62
Total Deposits2,359.681,828.62
Total Debt109.29252.66
Long Term Debt105.09252.66
Provision for Risks Charges2.092.19
Other Liabilities26.3624.63
Total Liabilities2,497.422,108.09
Preferred Stock - Carrying Value0.000.00
Common Equity204.91155.53
Total Shareholders Equity204.91155.53
Accumulated Minority Interest0.000.00
Total Equity204.91155.53
Total Liabilities & Stockholders Equity2,702.332,263.62
Book Value Per Share24.2718.42
Tangible Book Value Per Share23.0318.42
Price to Book Ratio1.26-
Return on Assets0.89-
Return on Equity12.25-
Return on Invested Capital7.122.07
Current Ratio0.190.22

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY
Funds from Operations-19.01-267.13
Extraordinary Item-0.000.00
Changes in Working Capital-4.749.14
Cash from Operating Activities-23.75-257.99
Capital Expenditures--0.97-0.22
Net Assets From Acquisitions-16.280.00
Sale of Fixed Assets and Businesses-0.060.00
Purchase or Sale of Investments-56.96-23.60
Purchase of Investments--52.82-59.13
Sale Or Maturity of Investments-109.7835.52
Federal Home Loan Advances Increase (Decrease)-0.000.00
Other Uses-0.000.00
Other Sources-1.110.00
Cash from Investing Activities--85.30-238.62
Cash Dividends Paid-0.000.00
Preferred Dividends (Cash Flow)-0.000.00
Change in Capital Stock-2.460.00
Repurchase of Common Pref Stock-0.000.00
Sale of Common Pref Stock-2.460.00
Proceedsfrom Stock Options-2.460.00
Issuance or Reduction of Debt, Net--158.00100.00
Change in Long Term Debt-0.000.00
Issuance of Long Term Debt-0.000.00
Reduction of Long Term Debt-0.000.00
Net Financing Active Other Cash Flow-0.000.00
Other Financing Activities Uses-0.000.00
Cash from Financing Activities-74.12492.43
Net Change in Cash-12.56-4.18
Free Cash Flow-22.78-258.21

Balance sheet, quarterly

Currency USD, millions
Metric2026Q3
Cash & Due from Banks10.49
Investments798.79
Net Loans2,188.53
Net Property, Plant & Equipment53.50
Other Intangible Assets84.69
Total Assets3,135.99
Total Deposits2,702.39
Total Debt119.33
Long Term Debt119.33
Other Liabilities26.65
Total Liabilities2,848.36
Preferred Stock - Carrying Value0.00
Common Equity287.63
Total Shareholders Equity287.63
Total Equity287.63
Total Liabilities & Stockholders Equity3,135.99
Book Value Per Share26.95
Tangible Book Value Per Share25.08
Price to Book Ratio1.26
Return on Invested Capital1.54
Current Ratio0.27

Cash flow, quarterly

Currency USD, millions
Metric2026Q3

Revenue breakdown

Revenue split-

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-30-0.0M-24.18K

Option chain

expiry 2026-11-12
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-06FWPFiling under Securities Act Rule 163/433 of free writing prospectuses.SEC
2026-11-068-KCurrent report2026-11-06SEC
2026-10-30424B3SEC
2026-10-29424B4SEC
2026-10-28FWPFiling under Securities Act Rule 163/433 of free writing prospectuses.SEC
2026-10-288-KCurrent report2026-10-28SEC
2026-10-27EFFECTEffectiveness filing by commission orderSEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-273Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-27FWPFiling under Securities Act Rule 163/433 of free writing prospectuses.SEC
2026-10-278-KCurrent report2026-10-27SEC
2026-10-27S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-10-26CERTSEC
2026-10-26S-1/ASEC
2026-10-218-A12BSEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-050000
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
-

Funds

Fund% owned
-

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