GABA (Georgia Bancshares) Debt-to-Equity: 0.72 (As of Sep. 2005)

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What is Georgia Bancshares Debt-to-Equity?

Georgia Bancshares GABA Debt-to-Equity is 0.72 as of Sep. 2005.

Georgia Bancshares's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2005 was $0.00 Mil. Georgia Bancshares's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2005 was $16.70 Mil. Georgia Bancshares's Total Stockholders Equity for the quarter that ended in Sep. 2005 was $23.07 Mil. Georgia Bancshares's debt to equity for the quarter that ended in Sep. 2005 was 0.72.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Georgia Bancshares's Debt-to-Equity or its related term are showing as below:

GABA's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.57
* Ranked among companies with meaningful Debt-to-Equity only.

Georgia Bancshares  (OTCPK:GABA) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Georgia Bancshares Debt-to-Equity Related Terms

Georgia Bancshares Debt-to-Equity Historical Data

* Premium members only.

The historical data trend for Georgia Bancshares's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Georgia Bancshares Debt-to-Equity Chart

Georgia Bancshares Annual Data
Trend Dec01 Dec02 Dec03 Dec04
Debt-to-Equity
0.04 0.11 0.10 0.41

Georgia Bancshares Quarterly Data
Mar01 Jun01 Sep01 Dec01 Mar02 Jun02 Sep02 Dec02 Mar03 Jun03 Sep03 Dec03 Mar04 Jun04 Sep04 Dec04 Mar05 Jun05 Sep05
Debt-to-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.43 0.41 0.31 0.75 0.72

GABA vs BTHT, SUGR, TCNB: Debt-to-Equity Comparison

For the Banks - Regional subindustry, Georgia Bancshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Georgia Bancshares Debt-to-Equity vs Banks Industry

For the Banks industry and Financial Services sector, Georgia Bancshares's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Georgia Bancshares's Debt-to-Equity falls into.


Georgia Bancshares Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Georgia Bancshares's Debt to Equity Ratio for the fiscal year that ended in Dec. 2004 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 8.702) / 21.106
=0.41

Georgia Bancshares's Debt to Equity Ratio for the quarter that ended in Sep. 2005 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 16.702) / 23.069
=0.72

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Equity →
What does a Debt-to-Equity of 0.72 mean?
Georgia Bancshares (GABA) has a Debt-to-Equity of 0.72 as of Sep. 2005. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Georgia Bancshares and its competitors.
Is Georgia Bancshares' Debt-to-Equity too high?
Georgia Bancshares' current Debt-to-Equity is 0.72. The Banks industry median Debt-to-Equity is 0.57. Georgia Bancshares' value of 0.72 is 26.3% above this industry median.
How does Georgia Bancshares' Debt-to-Equity compare to BTHT and SUGR?
Georgia Bancshares' Debt-to-Equity of 0.72 can be compared against companies in the Banks industry. The industry median Debt-to-Equity is 0.57. Georgia Bancshares' value of 0.72 is 26.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Georgia Bancshares's current Debt-to-Equity of 0.72 is 26.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Georgia Bancshares and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Georgia Bancshares's current Debt-to-Equity is 0.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Georgia Bancshares stock overvalued right now?
Georgia Bancshares (GABA) has a current Debt-to-Equity of 0.72. The current Debt-to-Equity is 0.72 and 26.3% above the Banks industry median of 0.57. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Georgia Bancshares (GABA), the current Debt-to-Equity is 0.72 as of Sep. 2005. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Georgia Bancshares Business Description

Address 100 Westpark Drive, Peachtree, GA, USA, 30269
Georgia Bancshares Inc is a holding company for The Bank of Georgia, which conducts a community-oriented commercial and retail banking business, focusing on the needs of individuals and small- to medium-sized businesses. It provides a variety of banking services to individuals and businesses. Its services include checking accounts, savings accounts, certificates of deposit (CDs), individual retirement accounts (IRAs) personal loans and other.