GABA (Georgia Bancshares) Net Margin %: 22.84% (As of Sep. 2005)

What is Georgia Bancshares Net Margin %?

Georgia Bancshares GABA Net Margin % is 22.84% as of Sep. 2005.

Net margin is calculated as Net Income divided by its Revenue. Georgia Bancshares's Net Income for the three months ended in Sep. 2005 was $0.71 Mil. Georgia Bancshares's Revenue for the three months ended in Sep. 2005 was $3.11 Mil. Therefore, Georgia Bancshares's net margin for the quarter that ended in Sep. 2005 was 22.84%.

The historical rank and industry rank for Georgia Bancshares's Net Margin % or its related term are showing as below:

GABA's Net Margin % is not ranked ^*
in the Banks industry.
Industry Median: 26.95
* Ranked among companies with meaningful Net Margin % only.

Georgia Bancshares (OTCPK:GABA) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Georgia Bancshares Net Margin % Related Terms

Georgia Bancshares Net Margin % Historical Data

* Premium members only.

The historical data trend for Georgia Bancshares's Net Margin % 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 Net Margin % Chart

Georgia Bancshares Annual Data

Trend

Dec01

Dec02

Dec03

Dec04

Net Margin %

8.13

11.50

18.80

18.56

Georgia Bancshares Quarterly Data
	Mar01	Jun01	Sep01	Dec01	Mar02	Jun02	Sep02	Dec02	Mar03	Jun03	Sep03	Dec03	Mar04	Jun04	Sep04	Dec04	Mar05	Jun05	Sep05
Net Margin %	Get a 7-Day Free Trial														18.07	16.75	21.22	21.61	22.84

GABA vs BTHT, SUGR, TCNB: Net Margin % Comparison

For the Banks - Regional subindustry, Georgia Bancshares's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Georgia Bancshares's Net Margin % distribution charts can be found below:

* The bar in red indicates where Georgia Bancshares's Net Margin % falls into.

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Georgia Bancshares Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Georgia Bancshares's Net Margin for the fiscal year that ended in Dec. 2004 is calculated as

Net Margin	=	Net Income (A: Dec. 2004 )	/	Revenue (A: Dec. 2004 )
	=	1.846	/	9.947
	=	18.56 %

Georgia Bancshares's Net Margin for the quarter that ended in Sep. 2005 is calculated as

Net Margin	=	Net Income (Q: Sep. 2005 )	/	Revenue (Q: Sep. 2005 )
	=	0.71	/	3.108
	=	22.84 %

Frequently Asked Questions Learn more about Net Margin % →

What does a Net Margin % of 22.84% mean?

Georgia Bancshares (GABA) has a Net Margin % of 22.84% as of Sep. 2005. Net margin is the ratio of total net income to net sales. View historical data on Georgia Bancshares and its competitors.

Is Georgia Bancshares' Net Margin % too high?

Georgia Bancshares' current Net Margin % is 22.84%. The Banks industry median Net Margin % is 26.95. Georgia Bancshares' value of 22.84% is 15.3% below this industry median.

How does Georgia Bancshares' Net Margin % compare to BTHT and SUGR?

Georgia Bancshares' Net Margin % of 22.84% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.95. Georgia Bancshares' value of 22.84% is 15.3% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good Net Margin % for a Banks company?

The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Georgia Bancshares's current Net Margin % of 22.84% is 15.3% below 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 Net Margin % mean?

A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Georgia Bancshares and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Georgia Bancshares's current Net Margin % is 22.84%. 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 Net Margin % of 22.84%. The current Net Margin % is 22.84% and 15.3% below the Banks industry median of 26.95. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Net Margin % calculated?

Net Margin % is calculated from a company's financial statements. For Georgia Bancshares (GABA), the current Net Margin % is 22.84% 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

Industry Financial Services Banks

Comparable Companies BTHT SUGR TCNB ALBY OPHC CCSB VTYB SNNF SSBP WCFB HRGG CFDB QNTO CNNB MNBO CIBH WEIN FRSB HCFL GLBZ

Address 100 Westpark Drive, Peachtree, GA, USA, 30269

Website http://www.georgiabancshares.com

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.