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  3. •

    Banks - Regional
Habersham Bancorp

Habersham Bancorp

HABC
Habersham BancorpUS flagOther OTC
0.02
USD
- -
- -
53,553.00Market Cap
Habersham Bancorp
HABC
(Other OTC)

Recent

price

0.02

P/E

ratio

- -

div

yld

- -

ROIC.AI

1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
TTM
FRC
26.04
5.22
6.27
9.2
12.31
11.92
13.34
6.29
6.74
6.33
6.36
7.16
8.46
7.92
5.65
4.43
4.66
Revenue per Share
5.03
0.93
0.69
0.84
0.87
0.69
1.12
1.98
2.12
0.81
0.81
1.31
1.8
1
-5.27
-9.34
-8.32
Basic EPS, GAAP
7.1
1.53
-6.53
-5.44
-11.97
9.54
-0.32
-13
-6.93
0.6
1.82
1.16
1.93
2.06
-1.94
-1.24
-0.36
Free Cash Flow per Basic Share
0.3
0.1
0.13
0.13
0.17
0.19
0.24
0.24
0.24
1.19
1.28
0.32
0.36
0.88
0.25
0.07
0.02
Dividend per Share
38.76
7.33
7.13
7.76
9.32
9.2
9.77
11.51
13.29
12.29
11.62
12.56
13.85
13.92
8.99
-0.36
-2.65
Book Value per Share
47.05
11.07
10.44
11.18
11.97
12.46
13.37
15.37
17.65
16.46
15.76
16.08
17.68
17.21
13.84
4.65
3.45
Tangible Book Value per Share
- -
2
2
2
2
3
3
3
3
3
3
3
3
3
3
3
3
Basic Weighted Avg Shares
9
11
15
22
30
31
36
17
18
18
18
21
25
23
16
12
13
Sales/Revenue/Turnover
22.73
25.47
16.44
- -
9.43
- -
11.88
47.02
25.07
16.95
16.99
26.28
30.94
16.99
-142.48
-178.87
- -
Operating Margin (%)
- -
1
1
1
2
2
2
1
1
1
1
1
1
1
1
1
- -
Depreciation Expense
2
2
2
2
2
2
3
5
6
2
2
4
5
3
-15
-26
-23
Net Income, GAAP
19.05
23.08
24
24.14
25
- -
29.22
25.48
24.28
23.76
24.97
30.19
31.3
25.75
- -
- -
- -
Effective Tax Rate (%)
19.32
18.87
13.01
10.09
7.07
5.79
8.41
31.49
31.37
12.78
12.75
18.35
21.26
12.62
-93.26
-209.13
-177.85
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
2
- -
48
25
56
79
110
106
30
30
36
42
38
38
38
38
38
LT Debt
16
26
28
30
32
35
39
44
51
49
48
50
56
54
42
17
10
Total Equity
8.59
8.37
3.4
- -
2.86
- -
2.28
3.96
3.02
2.88
2.85
4.28
5.64
3.14
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
13.3
13.57
10.16
11.43
10.27
7.74
12.02
18.61
17.16
6.45
6.85
10.89
13.71
7.2
-44.8
- -
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'10
Jun'10
Sep'10
ST Debt
- -
- -
- -
LT Borrowings
38
38
38
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
4
4
- -
Shares Outstanding
3
3
3
Market Capitalization
3
2
1

Working Capital

FRC

•

in mil. unless spec.
Mar'10
Jun'10
Sep'10
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
29
30
28
Accounts Receivable, Net
1
1
1
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
2
2
1
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-3.62%
-13.81%
-59.34%
Free Cash Flow
370.43%
-37.44%
-36.04%
Net Income, GAAP
-37.72%
-94.37%
75.96%
Sales/Revenue/Turnover
-5.54%
-5.35%
-21.54%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2008
5
4
4
3
16
2009
3
3
3
3
12
2010
3
4
3
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2008
0.02
-0.13
-1.52
- -
-5.27
2009
-0.6
-0.58
-2.14
- -
-9.34
2010
-0.88
-0.91
-0.51
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2008
0.1
0.1
0.05
- -
0.25
2009
0.02
0.02
0.02
- -
0.07
2010
- -
- -
- -
- -
- -
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Business
Habersham Bancorp HABERSHAM BANCORP INC (HABC) serves as the bank holding company for Habersham Bank, a regional commercial bank providing a full range of banking services to businesses and individuals in north Georgia, primarily in Habersham, White, Cherokee, Warren, Stephens, Forsyth, and Hall counties; core offerings include checking and savings accounts, time deposits, commercial loans, consumer loans, mortgage loans, construction financing, trust administration, asset management services, estate and will probate administration, and other financial services through its subsidiary network. Founded in 1904 and headquartered in Cornelia, Georgia, the company operates within the regional banking sector, focusing on deposit gathering and lending in its local markets without significant recent expansions into new geographies. Habersham Bancorp does not have significant ongoing operations following the wind-down or cessation of Habersham Bank's active banking activities, with no major acquisitions, partnerships, funding rounds, product launches, or strategic shifts reported in the last 1-2 years; its stock trades over-the-counter with minimal volume and negative earnings as of recent filings.