Georgia Bancshares, Inc.

As of September 30, 2005, Georgia Bancshares, Inc. has 2.98M shares outstanding.

As of September 30, 2005, Georgia Bancshares, Inc. trades at an EV/EBITDA multiple of 14.26 - the valuation measure that neutralizes differences in capital structure, tax rates, and depreciation policy, making it the standard yardstick for comparing companies across an industry. The EV/Sales ratio of 0.60 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Georgia Bancshares, Inc. trades at an EV/FCF ratio of 2.79, comparing the total takeover cost of the business to the cash it actually generates for all capital providers.

These figures are as of September 30, 2005.

Over the twelve months ended September 30, 2005, Georgia Bancshares, Inc. posted a return on equity (ROE) of 18.47, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 0.94, measuring how efficiently the asset base is converted into earnings.

These figures cover the twelve months ended September 30, 2005. That works out to an effective tax rate of 30.75, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items.

Over the twelve months ended September 30, 2005, Georgia Bancshares, Inc. posted a gross margin of 100.00, reflecting its pricing power and cost economics.

Georgia Bancshares, Inc.'s most recent stock split took place on August 21, 2003 with a 4:5 split ratio.

As of September 30, 2005, Georgia Bancshares, Inc. has an Altman Z-Score of 0.07, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.