Georgia Bancshares Inc (GABA) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Georgia Bancshares Inc $0.03, price $0.03, upside +12.4%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $0.0001 – $0.0640 · fair‑value band $0.0289 – $0.0402 · the $0.0282 price screens below the $0.0317 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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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.
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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.
Stock analysis
Georgia Bancshares Inc (GABA) currently trades at $0.0282, while our model-based Fair Value estimate is $0.0317, implying the stock looks roughly 11.0% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $0.0500 per share, and 10 of the 14 models we run sit above the $0.0282 price.
Bear case: the Asset-Based group reads lowest at $0.0100, and 4 of the 14 models stay below the price. Evidence for this calculation is low.
Scenario range: $0.0289 (bear) to $0.0402 (bull), the price of $0.0282 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
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.
Key figures
Market cap $44.7M · P/S ratio 4.16 · Net margin −3.3% · Return on equity −2.9% · Return on assets (EBIT) −0.1% · Operating margin −830% · Revenue (TTM) $10.7M · Revenue growth (YoY) −75.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).
What moves the price
The share trades about 56% below its 52-week high and 28,100% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 12%, GABA screens cheaper than that median.
Fair Value models
Bear $0.0289Fair Value $0.0317Bull $0.0402
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.20/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+32.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−17.7%
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.7%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
20.6% (2007) → 28.1% (2012)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no share-count history
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Banks - Regional · 1076 stocks
Beats the industry median on 1/8 measures
Overall it trails its industry peers.
Valuation
Quality Score54 · Below median
Fair Value upside+12% · Above median
Profitability
Return on assets0% · Bottom 25%
Net margin (TTM)−3% · Bottom 25%
Growth and dividend
Revenue growth−76% · Bottom 25%
Balance sheet
Debt / equity0.98× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Georgia Bancshares Inc (GABA) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.0317 versus a price of $0.0282, about +12% upside (undervalued).
What is the fair value of GABA?
Our model-based fair value for Georgia Bancshares Inc is $0.0317 (as of Sep 24, 2026), built from audited fundamentals. The current price: $0.0282.
What is the quality score of GABA?
Georgia Bancshares Inc has a Quality Score of 51/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Georgia Bancshares Inc (GABA)?
Our model-based price target is the fair value of $0.0317 (as of Sep 24, 2026) from 14 valuation models. Cautious scenario $0.0289, optimistic scenario $0.0402. It is a calculation from audited fundamentals, not an analyst target.
What is the Georgia Bancshares Inc stock forecast for 2026?
Our models put fair value at $0.0317, about +12% upside versus a price of $0.0282 (undervalued). Cautious scenario $0.0289, optimistic scenario $0.0402. The calculation is refreshed regularly with new filings.
What is the revenue of Georgia Bancshares Inc (GABA)?
Georgia Bancshares Inc reported trailing-twelve-month revenue of about $10.7M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Georgia Bancshares Inc (GABA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Georgia Bancshares Inc it is $0.0317 per share (as of Sep 24, 2026), against a price of $0.0282. It is the blended result of 14 valuation models (cash flow, earnings, asset, dividend).
Is Georgia Bancshares Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, GABA trades below its calculated fair value: price $0.0282, fair value $0.0317, a gap of about +12% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GABA?
No. The price is what the market pays today ($0.0282); the fair value is what the company's own numbers justify ($0.0317). For Georgia Bancshares Inc the two are $0.0035 per share apart. That gap is exactly why we show both numbers side by side.
How much is Georgia Bancshares Inc worth?
The market values Georgia Bancshares Inc at about $44.7M (market capitalisation, as of Sep 24, 2026). Per share that is $0.0282; our models calculate a fair value of $0.0317 per share.
What do the bullish and bearish scenarios say about GABA?
Our models span a range for Georgia Bancshares Inc: cautious scenario $0.0289, base $0.0317, optimistic $0.0402 per share (as of Sep 24, 2026, price $0.0282). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Georgia Bancshares Inc (GABA)?
Balance-sheet figures for Georgia Bancshares Inc (as of Sep 24, 2026): return on equity −2.9%, debt of 0.98 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is GABA from its 52-week high?
Georgia Bancshares Inc trades at $0.0282, about 56% below its 52-week high of $0.0640 and 28,100% above the low of $0.0001 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0317 is for.
Which stocks are comparable to Georgia Bancshares Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Georgia Bancshares Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $0.0282, calculated fair value $0.0317 (+12%), Quality Score 51/100, from 14 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GABA calculated?
We run Georgia Bancshares Inc through 14 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.0317, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Georgia Bancshares Inc currently trades 12 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Georgia Bancshares Inc (GABA)?
The closing price on Sep 23, 2026 was $0.0282. Our model-based fair value is $0.0317, about +12% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Georgia Bancshares Inc right now?
The price is below even our cautious bear case ($0.0289). The market is more pessimistic than our downside scenario. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Georgia Bancshares Inc
How large is the market capitalisation of Georgia Bancshares Inc (GABA)?
The market capitalisation of Georgia Bancshares Inc is $44.7M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Georgia Bancshares Inc (GABA)?
The price-to-sales ratio of Georgia Bancshares Inc is 4.16 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Georgia Bancshares Inc (GABA)?
The net margin of Georgia Bancshares Inc is −3.3% (fiscal year 2012). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Georgia Bancshares Inc (GABA)?
The return on equity (ROE) of Georgia Bancshares Inc is −2.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Georgia Bancshares Inc (GABA)?
On an EBIT basis the return on assets of Georgia Bancshares Inc is −0.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Georgia Bancshares Inc (GABA)?
The operating margin of Georgia Bancshares Inc is −830% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Georgia Bancshares Inc (GABA)?
Revenue at Georgia Bancshares Inc is growing −75.8% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
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Thin data
Sep 24, 2026