Georgia Bancshares, Inc (GABA) Fair Value & Analysis
Financial Services · US · Market cap $44.7M
Georgia Bancshares, Inc
GABA · US
Fair value as of: Jul 31, 2026
From 3 valuation models · updated 10 days ago
Fair value updated Jul 31, 2026, revised from $0.0272 to $0.0230 (−15.3%) since Jun 26, 2026.
A solid business, but screening 35% overvalued on our models.
What matters now
- Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 31, 2026.
How to read this chart
60‑month range $0.0001 – $0.0640 · the $0.0354 price screens above the $0.0230 fair value. Dashed = 300-day average. As of Jul 31, 2026.
Analysis
Georgia Bancshares, Inc (GABA) currently trades at $0.0354, while our model-based Fair Value estimate is $0.0230, implying the stock looks roughly 35.0% overvalued today. The Quality Score stands at 51/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, Georgia Bancshares, Inc generated revenue of $10.7M at a net margin of -3.3%. Revenue declined 75.8% year over year. It earns a return on equity of -2.9%. Fundamentals as of Jul 31, 2026
The share trades about 48% below its 52-week high. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -35%, GABA screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 3 models by family
Widest divergence: Dividend Discount ($0.0100) versus Dividend Discount ($0.0100). Highest evidence: Gordon GGM (70).
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Key figures & financial health
Figures from reported company fundamentals · as of Jul 31, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 52 · Market factors (momentum, volatility) 50
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Georgia Bancshares, Inc. operates as the holding company of The Bank of Georgia that provides commercial and retail banking services to individuals and small to medium-sized businesses in Georgia.
Full company description
Georgia Bancshares, Inc. operates as the holding company of The Bank of Georgia that provides commercial and retail banking services to individuals and small to medium-sized businesses in Georgia. The company's personal banking services include deposit products, such as checking and money market accounts, savings accounts, certificates of deposit, and individual retirement accounts; and personal, auto, mortgage, and home equity loans, as well as home equity lines of credit. Its business banking services comprise checking and commercial savings accounts; business loans, such as commercial real estate, construction, financing on owner occupied or investment real estate, refinance of existing debt secured by real estate, land acquisition and development, church, non-profit organization, working capital, fixed asset and equipment purchase, accounts receivable, expansion plan, operating lines of credit, letters of credit, and small business administration guaranteed loans; and cash management services. The company also offers various services, such as money transfers, online banking, Web bill pay, mobile banking, express e-statements, Visa check card, and overdraft services, as well as telebanking, credit cards, safe deposit boxes, night depository, wire, and cashier's checks services. The company was founded in 1999 and is headquartered in Peachtree City, Georgia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2007 – FY2012 · reported fiscal years
Georgia Bancshares, Inc reported revenue of $10.7M in FY2012 versus $22.9M in FY2008, a compound −17.3%/yr. Reported net income was −$354K in FY2012.
GABA screens 35% overvalued. Compare with PT Bank Central Asia Tbk →
Peer Group
Banks - Regional · 1083 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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