# Georgia Banking Company Inc. (GBC) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $34.00, market value $352 million.

## Valuation
- **P/E (trailing): 12.2×**. Georgia Banking Company Inc. trades at 12.2× trailing earnings. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 3.1×**. Each dollar of revenue is priced at 3.1×.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 6.5%**. Free cash flow equals 6.5% of the market value. Above 5% is generally attractive.
- **Earnings yield: 8.2%**. The inverse of the P/E: 8.2% of the price is earned each year.

## Profitability
- **Net margin: 19.6%**. 19.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 10.8%**. 10.8% on shareholders' equity is solid.
- **Return on assets: 0.8%**. Each dollar of assets produces 0.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 42.7%**. Revenue grew 42.7% over the last year.
- **EPS growth (1 yr): 161.1%**. Earnings per share rose 161.1%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: $243 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Georgia Banking Company Inc. does not currently pay a dividend, but it returned -0.7% of its market value through buybacks over the last year.

## Price and momentum
- **From 52-week high: -43.3%** (1.0% above the low). Trading 43% below its 52-week high, deep in a drawdown.

Live score and charts: https://foliofundamentals.com/analyzer?s=GBC · Page: https://foliofundamentals.com/stocks/gbc

Not investment advice.