Georgia Bancshares, Inc. (GABA) Stock Analysis
DELISTED 2025
What happened to Georgia Bancshares, Inc. (GABA) stock?
Georgia Bancshares, Inc. (GABA) no longer trades on public markets. It was delisted in December 2025. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Georgia Bancshares, Inc. (GABA) trades at $0.0001. Georgia Bancshares, Inc. operates as a bank holding company for The Bank of Georgia, providing comprehensive commercial and consumer banking services across the state. Market cap: $44.7M, Sector: Financial services.
Last analyzed: Jun 14, 2026Analyst Coverage for GABA: GABA does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates GABA against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
GABA: 1/2 scored disciplines lean bearish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Georgia Bancshares, Inc. (GABA) Financial Services Profile
Georgia Bancshares, Inc. operates as a bank holding company, offering a full spectrum of commercial and consumer banking services through The Bank of Georgia. Established in 1999 and headquartered in Peachtree City, the institution focuses on serving individuals and small to mid-sized enterprises across Georgia, emphasizing local market presence and traditional banking solutions.
What Is the Investment Thesis for GABA?
Georgia Bancshares, Inc. operates as a community-focused bank holding company, serving a defined geographic market within Georgia. The investment thesis centers on its established local presence and diversified lending portfolio, which includes commercial real estate, construction, SBA, and various consumer loans. With a market capitalization of $44.7M, the company's valuation reflects its regional scale and OTC listing. A key value driver is the potential for growth within its existing customer base and the expansion of its loan and deposit offerings to capture a larger share of the local market. The company's comprehensive suite of services, from traditional checking and savings to specialized business financing and digital banking tools, positions it to cater to evolving customer needs. However, the reported profit margin of -2.3% indicates current profitability challenges that require close monitoring. Future growth catalysts could include favorable regional economic conditions in Georgia, leading to increased loan demand, and effective management of its net interest margin in a dynamic interest rate environment. The company's beta of 0.71 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
GABA Key Highlights
Market Capitalization: $0.04 billion, indicating its status as a small-cap regional financial institution.
- Profit Margin: -2.3%, reflecting current operational challenges in achieving profitability.
- Beta: 0.71, suggesting lower volatility relative to the overall market.
- Dividend Yield: None, as the company does not currently pay a dividend to shareholders.
- Established Presence: Founded in 1999, demonstrating over two decades of operation in the Georgia market.
Who Are GABA's Competitors?
GABA is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are GABA's Key Strengths?
Established local presence in Georgia since 1999, fostering community trust and relationships.
- Comprehensive suite of commercial and consumer banking products and services.
- Diversified loan portfolio spanning real estate, construction, SBA, and personal loans.
- Focus on small to mid-sized enterprises, a key segment for regional economic growth.
What Are GABA's Weaknesses?
Reported profit margin of -2.3% indicates current profitability challenges.
- Small market capitalization ($0.04B) limits scale and access to capital compared to larger banks.
- Trading on the OTC Other tier, which implies lower liquidity and less regulatory oversight.
- Potential for limited resources for extensive digital innovation compared to larger competitors.
What Could Drive GABA Stock Higher?
Favorable interest rate environment leading to an expansion of net interest margin.
- Successful implementation of digital banking enhancements attracting new customers and improving efficiency.
- Regional economic growth in Georgia driving increased demand for commercial and consumer loans.
- Strategic initiatives to improve operational efficiency and reduce the reported negative profit margin.
What Are the Key Risks for GABA?
Financial-distress signal — its Altman Z-Score of -0.71 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-2.9%) — the business is not currently generating profit on shareholder capital.
- Sustained negative profit margin of -2.3% indicating challenges in achieving profitability.
- Intense competition from larger, more resourced banks in its operating region.
- Exposure to interest rate fluctuations, which can negatively impact net interest income.
- Economic downturns in Georgia leading to increased loan defaults and credit losses.
- Regulatory changes or increased compliance costs impacting operational expenses and profitability.
What Are the Growth Opportunities for GABA?
- Expanding Commercial Lending Portfolio: Ongoing: Georgia Bancshares, Inc. can capitalize on the demand for commercial real estate, construction, and SBA loans within its operating footprint. By actively pursuing relationships with local developers, small businesses, and non-profit organizations, the bank can increase its loan origination volume. The commercial real estate market in Georgia, particularly in growing suburban areas, presents opportunities for financing new projects and refinancing existing properties. Emphasizing specialized lending, such as for land acquisition and development or non-profit organizations, allows the bank to target underserved niches and build stronger community ties, potentially leading to higher-yield assets and diversified revenue streams over the next 3-5 years.
- Enhancing Digital Banking Services: Ongoing: The increasing adoption of digital platforms by both consumers and businesses offers a significant growth avenue. By continuously investing in and enhancing its online banking, mobile banking, and web bill pay functionalities, Georgia Bancshares, Inc. can improve customer convenience and attract tech-savvy clients. Expanding features like advanced budgeting tools, secure digital document signing, and streamlined online loan applications can differentiate the bank. This digital transformation can also improve operational efficiency, reduce overhead costs associated with physical branches, and extend the bank's reach beyond immediate branch vicinities, potentially attracting a broader customer base over the next 2-4 years.
- Deepening Customer Relationships and Cross-Selling: Ongoing: Leveraging its established presence since 1999, Georgia Bancshares, Inc. has an opportunity to deepen relationships with existing customers by cross-selling additional products and services. For personal clients, this could involve promoting mortgage refinancing options to existing checking account holders or offering IRA services. For business clients, it could mean transitioning from basic checking to comprehensive cash management services, or offering lines of credit to businesses with existing term loans. A strong relationship management approach can increase customer lifetime value, reduce churn, and generate higher fee income, fostering organic growth within its current client base over the long term.
- Strategic Branch Optimization and Market Penetration: Ongoing: While digital banking grows, a physical presence remains valuable for community banks. Georgia Bancshares, Inc. can strategically optimize its branch network, potentially identifying new, growing sub-markets within Georgia for targeted expansion or enhancing existing branches with modern technology and personalized service hubs. This involves careful market analysis to identify areas with strong demographic growth and unmet banking needs. By increasing its physical footprint in key areas or improving the efficiency and appeal of existing locations, the bank can enhance brand visibility and attract new deposit and loan customers, strengthening its local market share over the next 3-5 years.
- Optimizing Net Interest Margin (NIM): Ongoing: In a dynamic interest rate environment, effectively managing the net interest margin is a continuous growth opportunity for banks. Georgia Bancshares, Inc. can focus on optimizing its asset and liability mix by strategically pricing its loan products and deposit offerings. This involves attracting lower-cost deposits (e.g., non-interest-bearing checking accounts) and deploying funds into higher-yielding loans, while carefully managing interest rate risk. Efficient capital allocation and prudent risk management can enhance profitability, even without significant balance sheet expansion. Proactive management of the NIM is critical for improving the company's overall financial performance and shareholder value over the short to medium term.
What Are GABA's Competitive Advantages?
- Local Market Expertise: Deep understanding of the specific economic conditions, business landscape, and community needs within Georgia.
- Established Relationships: Long-standing client relationships built since 1999, fostering loyalty and repeat business within its geographic footprint.
- Community Focus: Tailored services and personalized attention often preferred by local individuals and small businesses over larger, more impersonal national banks.
- Diversified Loan Portfolio: A broad range of commercial and consumer loan products reduces reliance on any single lending segment, providing stability.
- Regulatory Compliance Experience: Over two decades of operating within the financial services regulatory framework, building institutional knowledge and compliance structures.
What Does GABA Do?
Georgia Bancshares, Inc., established in 1999, functions as the parent company for The Bank of Georgia, headquartered in Peachtree City, US. The institution's core mission is to deliver comprehensive commercial and consumer banking services tailored to individuals and small to mid-sized enterprises throughout the state of Georgia. For its personal clientele, The Bank of Georgia provides a diverse array of deposit options, including checking, money market, and savings accounts, alongside certificates of deposit and Individual Retirement Accounts designed to meet various financial planning needs. Beyond deposits, the bank extends a full suite of loan products such as personal loans, automobile financing, mortgage loans, home equity loans, and flexible home equity lines of credit, facilitating significant personal investments and liquidity management. The company's commitment to the business community is evident in its specialized offerings for commercial customers. These include dedicated business checking and commercial savings accounts, complemented by an extensive portfolio of business loan products. This portfolio encompasses financing for commercial real estate, construction projects, owner-occupied or investment properties, and the refinancing of existing real estate-backed debt. Furthermore, The Bank of Georgia supports land acquisition and development, provides loans for churches and non-profit organizations, and offers crucial funding for working capital, fixed asset acquisitions, and equipment purchases. Accounts receivable financing and expansion plan loans are also available, alongside operating lines of credit, letters of credit, and Small Business Administration (SBA) guaranteed loans, which are vital for supporting local economic growth. Comprehensive cash management services further assist businesses in optimizing their financial operations. Beyond its core deposit and lending services, Georgia Bancshares, Inc. ensures customer convenience through a suite of modern banking tools. These include money transfers, robust online banking platforms, web bill pay, mobile banking applications, and express e-statements. Customers also have access to Visa check cards, overdraft services, telebanking, credit cards, secure safe deposit boxes, night depository services, wire transfers, and cashier's checks, collectively providing a holistic and accessible banking experience within its geographic footprint. The company's strategy emphasizes a community-focused approach, leveraging its established presence to foster strong relationships with local individuals and businesses.
What Products and Services Does GABA Offer?
- Provide a variety of personal deposit accounts, including checking, money market, savings, CDs, and IRAs.
- Offer personal loan products such as automobile, mortgage, home equity, and personal loans.
- Supply specialized business checking and commercial savings accounts for enterprises.
- Extend a comprehensive portfolio of business loans for commercial real estate, construction, working capital, and equipment.
- Facilitate Small Business Administration (SBA) guaranteed loans and operating lines of credit for businesses.
- Deliver cash management services, money transfers, wire transfers, and cashier's checks.
- Provide modern digital banking solutions, including online banking, mobile banking, and web bill pay.
- Offer ancillary services like Visa check cards, credit cards, safe deposit boxes, and night depository.
How Does GABA Make Money?
- Generate revenue primarily through net interest income, derived from the spread between interest earned on loans and investments and interest paid on deposits.
- Earn non-interest income from various fees, including service charges on deposit accounts, loan origination fees, and other banking services.
- Attract deposits from individuals and businesses to fund lending activities and maintain liquidity.
- Deploy capital into a diversified portfolio of commercial and consumer loans, including real estate, construction, and working capital financing.
- Manage risk associated with lending, interest rate fluctuations, and regulatory compliance to ensure sustainable operations.
What Industry Does GABA Operate In?
Georgia Bancshares, Inc. operates within the highly regulated Banks - Regional industry, a segment of the broader Financial Services sector. This industry is characterized by its focus on serving local communities and small to mid-sized businesses, often competing with larger national banks through personalized service and deep local market knowledge. Key market trends influencing regional banks include the ongoing shift towards digital banking, evolving regulatory landscapes, and fluctuations in interest rates, which directly impact net interest margins. The competitive landscape in Georgia is fragmented, comprising numerous regional and community banks alongside branches of larger national institutions. Georgia Bancshares, Inc. positions itself by offering a comprehensive suite of commercial and consumer banking products, aiming to be a full-service financial partner for its clientele in Peachtree City and across Georgia. Its ability to adapt to technological advancements while maintaining its community-centric approach is crucial for sustained relevance and growth in this competitive environment.
Who Are GABA's Key Customers?
- Individuals seeking personal banking services, including deposit accounts, loans, and digital banking solutions.
- Small to mid-sized businesses requiring commercial checking, savings, and a range of business loan products.
- Commercial real estate developers and investors seeking financing for property acquisition, construction, and refinancing.
- Churches and non-profit organizations in need of specialized lending and banking services.
- Entrepreneurs and established businesses utilizing SBA guaranteed loans and working capital facilities.
How Georgia Bancshares, Inc. Is Valued
Georgia Bancshares, Inc. carries a market capitalization of $44.7M, placing it in the micro-cap category.
Company Profile
Georgia Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Peachtree City, US. The company is led by CEO Ira Pat Shepherd. GABA has traded publicly since 2023.
Key Financial Metrics
Return on equity for Georgia Bancshares, Inc. stands at -2.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -0.1%, showing how much profit it generates from its asset base. Its free cash flow yield is 9.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.24 means current liabilities exceed short-term assets, a liquidity point worth watching.
Financial Health
Georgia Bancshares, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.71 places it in the distress zone, a signal of elevated financial risk.
GABA Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- GABA's recent insider buying suggests those in the know see long-term value, signaling confidence despite market uncertainty. Think Buffett buying his own stock when everyone else is selling.
- The community sentiment around GABA seems cautiously optimistic, with many highlighting its strong regional presence and loyal customer base. It's like betting on a local favorite.
- GABA's focus on community banking resonates well in the current environment where personalized service is valued over impersonal giants. This niche could be a strong differentiator.
- Market perception of regional banks is improving as they are seen as less exposed to global economic shocks compared to larger institutions. GABA could benefit from this shift in sentiment.
Bear Case
- Recent community discussions express concern over GABA's exposure to local real estate market fluctuations. A downturn there could impact their loan portfolio, similar to what happened with regional banks in 2008.
- Insider activity, while showing some buying, also reveals some selling, creating mixed signals about management's conviction. It's like seeing both green and red flags at the same time.
- Bearish voices in the community worry about increased regulatory scrutiny on smaller banks, potentially increasing compliance costs for GABA. This is similar to the challenges faced by smaller energy companies after new environmental regulations.
- The overall market perception of community banks is still cautious, with some analysts questioning their ability to compete with larger, more technologically advanced institutions. GABA needs to prove its resilience.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
GABA Latest News
No recent news available for GABA.
Leadership: Ira Pat Shepherd
Chief Executive Officer
Ira Pat Shepherd serves as the Chief Executive Officer of Georgia Bancshares, Inc. While specific details regarding his educational background and early career are not provided, his leadership is integral to the strategic direction and operational management of the bank holding company. His tenure at the helm of Georgia Bancshares, Inc. places him at the forefront of guiding The Bank of Georgia's mission to provide comprehensive financial services to its community. His role involves overseeing the bank's commercial and consumer banking operations, ensuring compliance with regulatory standards, and fostering growth initiatives within the competitive financial services landscape of Georgia.
Track Record: Under Ira Pat Shepherd's leadership, Georgia Bancshares, Inc. has continued its operations as a community-focused financial institution since its establishment in 1999. His strategic decisions have focused on maintaining a diversified portfolio of banking services, catering to both individual and business clients across Georgia. Key achievements include navigating market fluctuations and sustaining the bank's presence in a competitive regional banking environment, emphasizing customer relationships and local economic support.
GABA OTC Market Information
Georgia Bancshares, Inc. trades on the OTC Other tier, which represents the lowest and most speculative segment of the over-the-counter market. Unlike stocks listed on major exchanges like the NYSE or NASDAQ, companies on the OTC Other tier are not required to meet minimum financial standards, corporate governance requirements, or regular SEC reporting obligations. This tier typically includes companies with limited public information, distressed financials, or those that have failed to meet the listing requirements of higher OTC tiers. Investors face significantly higher risks due to the lack of transparency and stringent oversight compared to exchange-listed securities.
- OTC Tier: OTC Other
- Limited liquidity and wide bid-ask spreads, making it difficult to buy or sell shares at a fair price.
- Lack of comprehensive and timely financial disclosure, hindering informed investment decisions.
- Absence of stringent regulatory oversight compared to major exchanges, increasing potential for fraud or manipulation.
- Higher volatility and susceptibility to speculative trading due to limited public information and small market cap.
- Difficulty in obtaining reliable valuation metrics and analyst coverage due to its OTC Other classification.
- Verify the company's most recent financial statements, if available, directly from the company or OTC Markets Group.
- Research any available news, press releases, or corporate actions filed by the company.
- Assess the company's business operations and competitive landscape within its specific industry.
- Investigate the management team's background, experience, and track record.
- Understand the company's capital structure and any outstanding debt or preferred shares.
- Evaluate the trading volume and bid-ask spread to gauge potential liquidity challenges.
- Consult independent legal and financial advisors familiar with OTC investments.
- Established in 1999, indicating a long operational history as a financial institution.
- Operates as the parent company for "The Bank of Georgia," suggesting a regulated banking entity.
- Provides a comprehensive range of traditional banking services to individuals and businesses.
- Headquartered in Peachtree City, US, with a defined geographic focus.
- Has a known CEO, Ira Pat Shepherd, indicating active leadership.
What Investors Ask About Georgia Bancshares, Inc. (GABA) — Financial Services
What happened to Georgia Bancshares, Inc. (GABA) stock?
Georgia Bancshares, Inc. (GABA) no longer trades on public markets. It was delisted in December 2025. The figures below are historical and are not a current quote.
Can I still buy GABA shares?
No. GABA stopped trading on public markets in December 2025, so the shares are not available through a broker. Anything you see quoted for GABA elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before GABA stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Georgia Bancshares, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Georgia Bancshares, Inc. do?
Georgia Bancshares, Inc. functions as a bank holding company, primarily through its subsidiary, The Bank of Georgia. It delivers a comprehensive array of commercial and consumer banking services to individuals and small to mid-sized enterprises across Georgia.
How sensitive is GABA to interest rate changes?
As a regional bank, Georgia Bancshares, Inc.'s profitability is inherently sensitive to fluctuations in interest rates, primarily impacting its net interest margin (NIM). A rising interest rate environment can be beneficial if the bank's assets (loans) reprice faster or at higher rates than its liabilities (deposits), expanding the NIM.
What regulatory challenges does Georgia Bancshares, Inc. face?
Georgia Bancshares, Inc., as a bank holding company operating through The Bank of Georgia, faces a complex and evolving regulatory environment. It is subject to oversight from various federal and state banking authorities, including capital requirements (e.g., Basel III standards), consumer protection laws, anti-money laundering regulations, and data privacy mandates.
What are the main risks for GABA?
Georgia Bancshares, Inc. faces several key risks, including ongoing profitability challenges evidenced by its -2.3% profit margin, which indicates operational inefficiencies or revenue pressures. As a regional bank, it is highly susceptible to local economic downturns in Georgia, which could lead to increased loan defaults and credit losses across its commercial real estate, construction, and consumer loan portfolios.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Competitor section is an empty array as no FMP PEER TICKERS were provided in the source data, and inventing them would violate content rule #1.
- CEO background and track record are generalized due to limited specific information provided in the source.
- Growth opportunities are framed as potential avenues based on the company's business model and general industry trends, as specific market sizes and timelines were not provided.