Habersham Bancorp (HABC) Stock Analysis
DELISTED 2026
What happened to Habersham Bancorp (HABC) stock?
Habersham Bancorp (HABC) no longer trades on public markets. It was delisted in February 2026. 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.
Habersham Bancorp (HABC) trades at $0.019. Habersham Bancorp, established in 1904, is a historically significant bank holding company currently lacking any significant active operations. Sector: Financial services.
Last analyzed: Jun 15, 2026Analyst Coverage for HABC: HABC 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 HABC against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
HABC: 2/2 scored disciplines lean bearish. Dominant signal: Seth Klarman bearish.
How is this calculated? →Habersham Bancorp (HABC) Financial Services Profile
Habersham Bancorp, founded in 1904, historically served as a bank holding company for Habersham Bank, providing commercial banking services across Georgia. Currently, the entity has no significant active operations, trades on the OTC Other tier, and is characterized by an extremely low market capitalization and negative financial performance.
What Is the Investment Thesis for HABC?
Habersham Bancorp currently presents a unique profile characterized by its inactive operational status and an extremely low market capitalization of $0.00B. Historically a bank holding company for Habersham Bank, the entity presently lacks significant active operations, leading to negative financial metrics such as a -107.8% profit margin and -4.1% gross margin. The investment proposition, therefore, is not driven by traditional growth or profitability metrics but rather by highly speculative potential for future strategic shifts, asset monetization, or a reactivation of its dormant banking charter. Its OTC Other listing and associated liquidity and disclosure risks are paramount considerations for any potential investor. The company's future trajectory hinges on unforeseen corporate actions or a significant change in its operational mandate, which are currently undefined and carry substantial uncertainty.
Based on FMP financials and quantitative analysis
HABC Key Highlights
Market capitalization of $0.00B, indicating an extremely low valuation and limited public float.
- Profit margin of -107.8%, reflecting significant operational losses and a lack of active revenue-generating operations.
- Gross margin of -4.1%, further underscoring the absence of profitable core business activities.
- Beta of 5.32, suggesting extremely high volatility relative to the broader market, likely due to its low liquidity and speculative nature.
- No dividend yield, consistent with its inactive operational status and negative profitability.
Who Are HABC's Competitors?
HABC 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 HABC's Key Strengths?
Long historical corporate existence since 1904, indicating institutional longevity.
- Identified CEO and 104 employees, suggesting an existing corporate structure.
- Past function as a regulated bank holding company, implying a history of compliance and financial operations.
What Are HABC's Weaknesses?
Currently lacks any significant active operations, resulting in no revenue generation.
- Extremely low market capitalization of $0.00B, indicating minimal market valuation.
- Negative profit margin (-107.8%) and gross margin (-4.1%), reflecting substantial losses.
- OTC Other tier listing, associated with significant liquidity and regulatory compliance risks.
What Could Drive HABC Stock Higher?
HABC catalyst: Any public announcement of a strategic review or a new business initiative by the company's leadership.
- Potential for a change in ownership or a strategic acquisition of the corporate entity by another financial group.
- Filing of updated financial disclosures or a move to a higher OTC Markets tier, signaling improved transparency and compliance.
- Any indication of asset monetization or liquidation plans to return value to shareholders.
- A formal declaration or plan for the reactivation of banking operations or a pivot into a new financial services segment.
What Are the Key Risks for HABC?
Financial-distress signal — its Altman Z-Score of -1.06 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-88.5%) — the business is not currently generating profit on shareholder capital.
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Continued lack of significant active operations, leading to no revenue generation and persistent negative financial performance.
- Significant liquidity risk due to the OTC Other listing and extremely low market capitalization, hindering trading.
- Regulatory non-compliance or further deterioration of disclosure status, potentially leading to delisting.
- Erosion of any residual corporate value or brand recognition due to prolonged inactivity.
- Inability to attract new capital or management to revitalize the company, leading to long-term stagnation.
What Are the Growth Opportunities for HABC?
- Potential Reactivation of Banking Charter/Operations: Should Habersham Bancorp secure new capital and management, there exists a theoretical opportunity to reactivate its historical banking charter or establish new financial services operations. The demand for community banking services, particularly in underserved or growing regional markets within Georgia, could provide a foundation. However, this path would necessitate significant regulatory approvals, substantial capital investment, and a comprehensive strategic overhaul, making it a long-term and highly speculative endeavor with no current timeline or defined market size.
- Strategic Acquisition or Merger: An inactive corporate entity with a historical presence and a dormant bank holding company structure, even without active operations, could theoretically become an acquisition target. Larger financial institutions might seek to acquire such an entity for its historical charter, its corporate shell, or any residual assets, potentially as a means to expand their own footprint or consolidate market share without the complexities of starting a new entity from scratch. The market for such acquisitions is niche and dependent on specific strategic needs of potential buyers, with no clear timeline.
- Asset Monetization/Liquidation: If Habersham Bancorp retains any unlisted or historical assets, such as real estate from former branch locations, intellectual property related to its past banking operations, or other dormant holdings, there is a potential opportunity for asset monetization. Liquidating these assets could provide a pathway to return value to shareholders, even in the absence of active business operations. The market size for such an opportunity would be limited to the value of any specific, identifiable assets, and the timeline would depend on the company's strategic decisions regarding these holdings.
- Re-establishment of Financial Services Focus: Beyond traditional banking, Habersham Bancorp could theoretically pivot into a new niche within the broader financial services sector, such as specialized lending, financial technology partnerships, or asset management, if it were to attract new leadership and capital. This would involve identifying unmet market needs and leveraging any residual corporate infrastructure or brand recognition. The market size would depend on the chosen niche, and the timeline would be contingent on a complete strategic re-evaluation and execution plan.
- Improved Market Listing and Transparency: A significant opportunity for Habersham Bancorp lies in improving its market listing status from the OTC Other tier. Should the company reactivate operations, improve its financial standing, and enhance its public disclosures, it could potentially qualify for a higher OTC tier (e.g., OTCQB or OTCQX) or even a national exchange. Such a move would likely increase investor confidence, improve liquidity, and broaden its investor base, thereby enhancing shareholder value. This opportunity is contingent on fundamental operational and compliance improvements, with an undefined timeline.
What Threats Does HABC Face?
- Continued operational inactivity leading to further erosion of any residual value or relevance.
- Ongoing regulatory compliance challenges associated with its OTC Other listing and disclosure status.
- Intense competition within the active financial services sector should the company ever reactivate.
- Risk of delisting or further market irrelevance if no strategic changes are pursued.
What Are HABC's Competitive Advantages?
- Historically, established community relationships and local market knowledge provided a competitive advantage in its service areas.
- Historically, a long operating history since 1904 fostered trust and brand recognition within its regional footprint.
- Historically, a physical branch network offered convenience and personalized service, differentiating it from larger national banks.
- Currently, due to its inactive operational status, the company possesses no active competitive advantages or 'moat' in the market.
- Any future competitive advantages would need to be re-established through new operations and strategic initiatives.
What Does HABC Do?
Habersham Bancorp, a corporate entity with roots tracing back to its establishment in 1904, is headquartered in Cornelia, Georgia. Historically, the company functioned as the dedicated bank holding company for Habersham Bank. Through this subsidiary, Habersham Bancorp was instrumental in delivering a comprehensive suite of commercial banking services to a diverse clientele, encompassing both businesses and private citizens. Its operational footprint extended across several key counties in Georgia, including Habersham, White, Cherokee, Warren, Stephens, Forsyth, and Hall, establishing a significant regional presence within the financial services sector. The bank's offerings typically included traditional banking products such as deposit accounts, lending services, and other financial solutions tailored to the needs of its community. This historical role positioned Habersham Bancorp as a community-focused financial institution, fostering local relationships and contributing to regional economic development. However, the company's current operational status represents a significant departure from its historical activities. As of the present, Habersham Bancorp is characterized by a lack of any significant active operations. This means that while the corporate entity persists, its core business functions as a bank holding company are dormant. This inactive state has profound implications for its market position, financial performance, and future trajectory, distinguishing it sharply from active regional banks within the financial services industry.
What Products and Services Does HABC Offer?
- Historically operated as the bank holding company for Habersham Bank.
- Provided commercial banking services to businesses and private citizens.
- Offered traditional banking products, including deposit and lending services.
- Served multiple counties in Georgia: Habersham, White, Cherokee, Warren, Stephens, Forsyth, and Hall.
- Currently, the company lacks any significant active operations.
- The corporate entity exists, but its core business functions are dormant.
How Does HABC Make Money?
- Historically, generated revenue primarily through interest income from loans and investments.
- Historically, earned non-interest income from fees for banking services, such as account maintenance and transaction fees.
- Historically, managed a diversified portfolio of assets and liabilities to optimize net interest margin.
- Currently, the company has no active business model due to its inactive operational status.
- Current financial metrics (negative profit and gross margins) reflect the absence of revenue-generating activities.
What Industry Does HABC Operate In?
The Banks - Regional industry is characterized by institutions providing traditional banking services, including deposits, loans, and wealth management, primarily to local communities and small-to-medium-sized businesses. This sector is influenced by interest rate fluctuations, regulatory changes, and local economic conditions. Habersham Bancorp historically operated within this landscape, serving multiple counties in Georgia as a community bank holding company. However, its current status as an entity without significant active operations places it outside the typical competitive dynamics and growth trajectories of active regional banks. While the broader industry focuses on expanding loan portfolios, optimizing net interest margins, and adopting digital banking solutions, Habersham Bancorp's current positioning means it does not actively participate in these trends. Its relevance within the industry context is primarily historical, with any future positioning dependent on a fundamental shift in its operational mandate or a strategic corporate event.
Who Are HABC's Key Customers?
- Historically, served local businesses requiring commercial loans, lines of credit, and treasury management services.
- Historically, catered to private citizens seeking personal banking products like checking, savings, and mortgage loans.
- Historically, focused on communities within Habersham, White, Cherokee, Warren, Stephens, Forsyth, and Hall counties in Georgia.
- Currently, with no active operations, the company does not serve any customer segments.
- Any future customer base would depend entirely on a reactivation or redefinition of its business model.
Company Profile
Habersham Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Cornelia, US. The company is led by CEO Karen E. Ward. HABC has traded publicly since 1995.
Key Financial Metrics
Return on equity for Habersham Bancorp stands at -88.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -5.7%, showing how much profit it generates from its asset base. A current ratio of 0.11 means current liabilities exceed short-term assets, a liquidity point worth watching.
Financial Health
Habersham Bancorp's Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -1.06 places it in the distress zone, a signal of elevated financial risk.
HABC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying indicates confidence from leadership, suggesting positive expectations for the company's future performance.
- Community sentiment has shown a growing interest in local banking institutions, positioning HABC favorably within its niche market.
- The bank's focus on community lending has garnered positive feedback, enhancing its reputation and customer loyalty.
- Recent developments in regional economic growth could benefit HABC, as local banks often thrive in expanding markets.
Bear Case
- Concerns about rising interest rates may impact HABC's lending margins, leading to potential profitability challenges.
- Negative community sentiment regarding small banks' competitiveness against larger institutions has surfaced, raising doubts about HABC's market position.
- Insider selling activity in the past month raises questions about the confidence of some leadership members in the company’s short-term outlook.
- Increased regulatory scrutiny in the banking sector could pose challenges for HABC, especially if compliance costs rise significantly.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
HABC Latest News
No recent news available for HABC.
Leadership: Karen E. Ward
CEO
Karen E. Ward serves as the CEO of Habersham Bancorp, overseeing the corporate entity that historically functioned as a bank holding company. Details regarding her specific career history, educational background, and previous roles prior to her current position at Habersham Bancorp are not provided in the available data. Her leadership role involves managing the company's 104 employees, even in the context of its currently inactive operational status, suggesting a focus on corporate governance and potential future strategic direction.
Track Record: Specific achievements, strategic decisions, or company milestones directly attributable to Karen E. Ward's leadership are not detailed in the provided information. Her role as CEO involves managing the corporate structure and employees of an entity that currently lacks significant active operations. Any track record would likely pertain to maintaining corporate integrity or navigating the company's inactive status, rather than operational growth or profitability.
HABC OTC Market Information
Habersham Bancorp trades on the OTC Other tier, which is the lowest and most speculative tier of the OTC Markets Group. Unlike companies listed on major exchanges like NYSE or NASDAQ, which have stringent listing requirements for financial health, corporate governance, and minimum share prices, OTC Other companies face minimal regulatory oversight. This tier is typically for companies that are distressed, defunct, or have not provided current information, and it often includes shell companies. Investors in OTC Other stocks face significantly higher risks due to limited transparency and often non-existent financial reporting, making due diligence extremely challenging compared to higher-tier OTC or exchange-listed securities.
- OTC Tier: OTC Other
- Extremely low liquidity and wide bid-ask spreads, making it difficult to buy or sell shares.
- Limited or unknown public disclosure of financial information, hindering informed investment decisions.
- High susceptibility to price volatility due to low trading volume and lack of institutional oversight.
- Potential for delisting or further market irrelevance if the company remains inactive or fails to meet any minimal reporting standards.
- Increased risk of fraud or manipulation due to minimal regulatory oversight in the OTC Other tier.
- Verify any available corporate filings or disclosures, even if limited, through OTC Markets or state corporate registries.
- Research the company's historical operations and any past financial statements to understand its prior business.
- Identify any known assets or liabilities that might still be associated with the inactive entity.
- Assess the current management team's background and any stated intentions for the company's future.
- Understand the specific implications of the OTC Other tier, including disclosure requirements and trading limitations.
- Consult legal counsel regarding any potential liabilities or regulatory actions against the inactive entity.
- Evaluate the potential for any strategic corporate actions, such as asset sales or a reverse merger, however speculative.
- Long historical founding in 1904, indicating a long-standing corporate entity, albeit currently inactive.
- Identified CEO, Karen E. Ward, and a reported employee count of 104, suggesting an existing corporate structure.
- Past function as a bank holding company for Habersham Bank, implying a history of regulated financial activity and a formal corporate purpose.
HABC Financial Services Stock FAQ
What happened to Habersham Bancorp (HABC) stock?
Habersham Bancorp (HABC) no longer trades on public markets. It was delisted in February 2026. The figures below are historical and are not a current quote.
Can I still buy HABC shares?
No. HABC stopped trading on public markets in February 2026, so the shares are not available through a broker. Anything you see quoted for HABC 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 HABC 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 Habersham Bancorp. 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 Habersham Bancorp do?
Habersham Bancorp historically functioned as the bank holding company for Habersham Bank, which provided commercial banking services to businesses and private citizens across several counties in Georgia, including Habersham, White, Cherokee, Warren, Stephens, Forsyth, and Hall. Its operations focused on traditional banking products such as deposits and loans. However, as of the present, Habersham Bancorp lacks any significant active operations.
How does Habersham Bancorp's OTC Other listing impact investors?
Habersham Bancorp's listing on the OTC Other tier has significant implications for investors. This tier is the lowest on the OTC Markets Group, characterized by minimal regulatory oversight and often limited public disclosures. For investors, this translates to extremely low liquidity, meaning it can be very difficult to buy or sell shares without significantly impacting the price.
What are the financial implications of Habersham Bancorp's inactive operations?
The inactive operational status of Habersham Bancorp has direct and severe financial implications. With no significant active operations, the company is not generating revenue, which directly leads to its reported negative financial metrics, such as a -107.8% profit margin and a -4.1% gross margin. These figures indicate that the company is incurring expenses without corresponding income, resulting in ongoing losses.
Given its inactive status, what potential future paths could Habersham Bancorp pursue?
Despite its current inactive status, Habersham Bancorp could theoretically pursue several future paths, though each would require significant strategic shifts and capital infusion. One path involves the potential reactivation of its banking charter or the establishment of new financial services operations, leveraging its historical presence.
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.
- The company's inactive operational status makes traditional financial analysis challenging.
- Growth opportunities and catalysts are framed as potential or hypothetical due to the current lack of active business.
- Information on CEO background and track record is limited to what was provided.
- Competitors section is empty as no FMP PEER TICKERS were provided in the source data.