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    Banks - Regional
Georgia Bancshares, Inc.

Georgia Bancshares, Inc.

GABA
Georgia Bancshares, Inc.US flagOther OTC
0.00
USD
- -
- -
44.66MMarket Cap
Georgia Bancshares, Inc.
GABA
(Other OTC)

Recent

price

0.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2001
2002
2003
2004
TTM
FRC
1.6
1.9
2.41
3.39
3.97
Revenue per Share
0.13
0.22
0.45
0.63
0.82
Basic EPS, GAAP
0.25
0.14
0.44
0.98
0.85
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
Dividend per Share
0.06
0.26
0.69
7.19
7.75
Book Value per Share
5.22
6.74
6.58
7.2
7.75
Tangible Book Value per Share
2
3
3
3
3
Basic Weighted Avg Shares
3
5
7
10
12
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
1
1
- -
Depreciation Expense
- -
1
1
2
2
Net Income, GAAP
11.22
27.67
35.56
32.5
30.75
Effective Tax Rate (%)
8.12
11.5
18.8
18.56
20.67
Profit Margin (%)
- -
- -
- -
- -
- -
Working Capital
- -
- -
2
9
17
LT Debt
11
18
19
21
23
Total Equity
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
Return on Capital (%)
- -
143.1
96.5
15.98
18.47
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'05
Jun'05
Sep'05
ST Debt
- -
- -
- -
LT Borrowings
7
17
17
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
- -
- -
- -

Working Capital

FRC

•

in mil. unless spec.
Mar'05
Jun'05
Sep'05
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
8
9
10
Accounts Receivable, Net
2
2
2
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
1
2
2
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
9.57%
Free Cash Flow
- -
- -
122.83%
Net Income, GAAP
- -
- -
39.54%
Sales/Revenue/Turnover
- -
- -
41.35%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2003
2
2
2
2
7
2004
2
2
3
3
10
2005
3
3
3
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2003
0.09
0.12
0.13
- -
0.45
2004
0.13
0.17
0.17
- -
0.63
2005
0.21
0.21
0.24
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2003
- -
- -
- -
- -
- -
2004
- -
- -
- -
- -
- -
2005
- -
- -
- -
- -
- -
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Business
Georgia Bancshares, Inc. operates as the holding company for The Bank of Georgia, providing commercial and retail banking services primarily to individuals and small to medium-sized businesses. Its core products include consumer and commercial checking accounts; savings and money market accounts; personal, business, and commercial loans; credit and debit cards; and electronic banking services such as online and mobile banking. The company serves customers in Georgia, United States, focusing on community-oriented banking with a strong regional presence. Founded in 1999 and headquartered in Peachtree City, Georgia, Georgia Bancshares, Inc. delivers traditional banking services supported by personalized financial solutions. Recent major developments include a strategic merger agreement announced in October 2024 with Primary Bancshares Corporation, which operates Georgia Primary Bank. This merger, valued at approximately $27 million in stock and cash, substantially expands Georgia Bancshares' footprint and deposit base in the metro Atlanta market, positioning the combined entity among the top local community banks with assets of approximately $2.4 billion and deposits nearing $2 billion. This consolidation aims to strengthen the bank's competitive position, enhance service capabilities, and expand its customer base across the Atlanta metropolitan area. The merger is expected to close in the first half of 2025, reflecting a significant operational expansion and a strategic shift toward larger scale community banking in a key regional market.