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GBC · Georgia Banking Co Inc

Track GBC — free
$34.75 +0.91 (+2.69%) At close · Nov 12
Market Cap
$370.86M
Shares
10.67M
Volume · Nov 12 20.14K Avg daily vol (11 sessions) 41.98K

Price & Indicators

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20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$34.75 Open$33.48 Day$33.45–34.75 Available close range$33.10–38.38 Avg vol available · 11d42K Short int3K · 0.0% of shares · 1.0d Short vol46% Last earningsNov 6, 2026 DataOct 2026–Nov 2026

The closing range uses available history since Oct 29, 2026; less than a full year is stored.

Latest documents

2026
Nov 6
Current report 8-K
First full Tandem quarter posts $0.57 diluted EPS

Georgia Banking Company reported its first full quarter combined with Tandem, posting diluted EPS of $0.57, operating EPS of $0.74, a 4.17% net interest margin, $2.2B HFI loans and $2.7B average deposits for the quarter ended September 30, 2026.

Financial results, Regulation FD disclosure
7 source passages
Georgia Banking Company, Inc. (the “Company”) as of and for the quarter ended September 30, 2026 First full quarter of combined operations with Tandem 4.17% Net Interest Margin $0.57 Diluted EPS Operating EPS of $0.74 • Average HFI loans of $2.2B, up 23.7% from 3Q25 • Average deposits of $2.7B, up 27.7% from 3Q25 Open the document at this passage
Oct 28
Current report 8-K
Financial results

Georgia Banking Company reported third-quarter 2026 net income of $6.3 million, or $0.57 per diluted common share. It was the first full quarter of combined operations after the Tandem Bancorp, Inc. merger.

Read from the first part of this long document
Oct 27
Current report 8-K
Regulation FD disclosure

Georgia Banking Company, Inc. announced its common stock was approved for direct listing on Nasdaq Capital Market and is expected to begin trading on Thursday, October 29, 2026 under “GBC,” with no new shares issued or sold.

Oct 26
Registration statement S-1/A
Registration statement

Georgia Banking Company, Inc. is pursuing a direct Nasdaq listing of voting common stock, registering resale of up to 7,074,016 shares and expecting trading on or about October 29, 2026.

Read from the first part of this long document
Oct 20
Registration statement S-1/A
Registration statement

Georgia Banking Company, Inc. registered up to 7,074,016 voting common shares for resale and applied to list its common stock on Nasdaq under “GBC.” The company will receive no proceeds from shareholder sales, and the direct listing depends on Nasdaq approval.

Read from the first part of this long document
All documents

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
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Trailing 12 months
Net income (TTM)
—
Trailing 12 months
Revenue growth YoY
—
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
—
Trailing earnings
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
—
Year over year · more shares
Price change (1Y)
—
Trailing year
Short interest
0.0%
Latest settlement · 1.0 days to cover
View all 125 metrics

Equibles Rating

blended score · not investment advice
Overall
Neutral
SellHoldBuy
Technical Neutral Momentum Limited Sentiment Neutral Fundamentals Limited Quant / Vol Moderate
Market backdrop VIX 18.7 · elevated Equity put/call 0.72
Technical
price trend
Neutral
50 / 200-day cross No cross
52-week position 31%
mid-range
Momentum
relative strength
Limited
Not enough data for a confident read.
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50/200-day averages unavailable
Institutional flow Flat
No 13F holder data
Insider flow Flat
No net insider activity over 90 days
Short interest Rising
0.03% of shares out · 1.0 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
No 13F holder history
Squeeze score 13
low risk · 0–100
Fundamentals
Limited
Not enough data for a confident read.
Quant / Vol
risk profile
Moderate
Volatility 52%
annualized · 1-yr
Max drawdown −14%
past year

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Neutral
0 · 2 · 0
50 / 200-day cross
No cross Neutral
52-week position
31% Neutral
Market signals — smart money & positioning
Bearish · 1 of 6
Trend (MA cross) No cross
50/200-day averages unavailable
Institutional flow Flat
No 13F holder data
Insider flow Flat
No net insider activity over 90 days
Short interest Rising
0.03% of shares out · 1.0 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
No 13F holder history
Price context
position in its available closing range
Range low $33 Now $35 · 31% Range high $38

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings
Metric Latest Period YoY
ACL/Loans HFI 1.36% 3Q26 —
Active warehouse clients 60 September 30, 2026 —
ADC Concentration 86% September 30, 2026 —
Adjusted Efficiency Ratio non-GAAP 62.1% 3Q26 YTD —
Annual Treasury Services Fees 1.51M 3Q26 —
Average Business Deposit Balances 2.13B 3Q26 YTD —
Average life 5.3 September 30, 2026 —
CET1 ratio 10.59% 3Q26 —
Cost of Funds 2.44% 3Q26 —
Cost of Total Deposits 2.78% 3Q26 —
CRE Concentration 302% September 30, 2026 —
FMV of investment portfolio represents 4.9% September 30, 2026 —
Georgia Banking Company Deposit Market Share 1.13% 06/30/26 —
HFI Loan Growth 6.2% 3Q26 —
IB Demand 13% September 30, 2026 —
Loan Yield 3.5% 3Q26 —
MMDA & Sav 46% September 30, 2026 —
Net Interest Margin 4.17% 3Q26 —
Net pre-tax, pre-provision operating earnings non-GAAP $12,926 3Q26 —
NIB 26% September 30, 2026 —
Non-Owner Occupied CRE – % of loans 25.3% September 30, 2026 —
NPAs 0.7% 3Q26 —
Operating Earnings non-GAAP $8,074 QTD 3Q26 —
Operating earnings adjusted for amortization of core deposit intangibles non-GAAP $8,284 QTD 3Q26 —
Operating Efficiency Ratio non-GAAP 62.3% 3Q26 —
Operating EPS non-GAAP $0.74 3Q26 —
Operating noninterest expense non-GAAP $21,318 3Q26 —
Operating PPNR non-GAAP 6.2% 3Q26 —
Operating ROAA non-GAAP 1.03% QTD 3Q26 —
Operating ROAE non-GAAP 10.8% 3Q26 YTD —
Operating ROTCE non-GAAP 12.41% 3Q26 —
Owner Occupied CRE – % of loans 10.9% September 30, 2026 —
Quarter over Quarter % Increase non-GAAP 6.2% 3Q26 —
Tangible book value per common share non-GAAP $25.08 3Q26 —
Tangible Common Equity to Tangible Assets non-GAAP 8.6% 3Q26 —
Time 15% September 30, 2026 —
Total Core Deposits non-GAAP $2,129,732 Q3 2026 —
Treasury Services’ deposits 15% September 30, 2026 —

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
GBC
Georgia Banking Co Inc
this stock
$370.86M — — — 0.0%
HDB
Hdfc Bank Ltd
$132.25B -29.6% -3.2% — 0.8%
IBN
Icici Bank Ltd
$123.47B +15.4% — — 0.5%
MFG
Mizuho Financial Group Inc
$122.17B +38.3% — — 0.0%
USB
US Bancorp De
$94.22B +13.3% +4.4% 11.8 1.7%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Short & Settlement
Short Interest Rising
Shares short
3.2K
Days to cover
1.0d
Change
+3.2K sh
View
Short Volume
Short vol %
46%
As of
Nov 12, 2026
Short Total
View
Filings
SEC Filings
Latest
8-K
Filed
Nov 6, 2026
This year
7

Georgia Banking Company reported its first full quarter combined with Tandem, posting diluted EPS of $0.57, operating EPS of $0.74, a 4.17% net interest margin, $2.2B HFI loans and $2.7B average deposits for the quarter ended September 30, 2026.

View
Exempt Offerings
Offering
$55.0M
Filed
Sep 3, 2026
View
Earnings & Events
Webcasts
Last webcast
Nov 6, 2026
View
Investor Relations
Latest news
Georgia Banking Company Reports 2…
Published
Oct 28, 2026
View

Performance

5D 20D 120D MTD YTD
GBC +3.0% — — -9.5% —
SPY +3.3% -1.9% +1.5% +0.2% +11.0%
vs SPY -0.3% — — -9.7% —