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Georgia Banking Company Inc. (GBC) — RQD Stock Rating Cockpit

$37.28 -2.87% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $37.02

Georgia Banking Company Inc. (GBC) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $385.5M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on GBC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is GBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Georgia Banking Company Inc. (NASDAQ: GBC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $37.28 (-2.87% 1D, market cap $385.5M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, GBC ranks #465 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does GBC compare to ISTR and PKBK in the Financials sector?
▼

Within the Financials sector (Major Banks), GBC carries a Roarable D+ (58/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, ISTR (Investar Holding Corporation) holds a D+ grade (52/100 RQD, P/E 16.7x, ROIC 7.6%, cap $389.8M) and PKBK (Parke Bancorp Inc.) posts a C grade (63/100 RQD, P/E 10.3x, ROIC 11.6%, cap $392.5M). Among the 5-stock peer group, PKBK leads on earnings multiple (10.3x) while FDBC leads on capital efficiency (11.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for GBC?
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For Georgia Banking Company Inc. (GBC), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity and sector rank #465 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately and implied 5-year growth hurdle of 8.0%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $37.02 (-0.71%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510058
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D · Rk B-
Cash (11)Whales (10)SEC (13)Macro (15)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE+0% Base Target
$44 Bull$37 Base$29 Bear
📬 FREE GBC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for GBC)Realized 20D OHLCV Swing Band: ±4.2%
Deterministic 5-Pillar Attribution (58/100 Composite)
🔍 WHY GBC SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (26% of score)

FRED Regime × Technicals: 57% of 52W Range • RSI-14 at 50.5 (NEUTRAL RANGE)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
50
Grade C-$33.92+3.3% Next Q
Q2 (-2Q)
53
Grade C-$35.04+1.1% Next Q
Q3 (-1Q)
55
Grade C$35.42+5.3% Next Q
Current
58
Grade D+$37.28+0% Hist 90D α
Trajectory: C- (50) → D+ (58)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the GBC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, GBC faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Disciplined Float (-0.40% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($38.26) or 200D SMA ($36.70) invalidates the momentum regime and cuts Target Base ($37.28) toward Bear Floor ($29.08).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $GBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “GBC Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 58%NO 42%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
50.530 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE57% OF RANGE
L: $32$37.28H: $41
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 19 / 40
3. Hidden Risks & Market Weather● ALL CLEAR
SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on GBC

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (55)

14.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (57)

19/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like GBC
  • ✓Established market leader in Financials with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring GBC)

  • ✓Walkthrough of GBC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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GBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +0.38%▲ ASCENDING CHANNEL
2026-11-04O $37.88H $38.33L $37.69C $37.28VOL 18.50M
RES: $39.27SUP: $36.75SMA50: $38.26SMA200: $36.70
$39.36$38.36$37.37$36.37$35.37RES $39.27SUP $36.75$37.282026-09-052026-09-202026-10-052026-10-202026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

GBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 GBC Butterfly Map → + Track GBC →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on GBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for GBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for GBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (GBC)

Financials Rank #465 of 1097 ⚔️ ISTR vs GBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (GBC vs. ISTR, PKBK, NWFL, FDBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Georgia Banking Company Inc. (GBC) ranks #465 by composite RQD confidence (58/100, grade D+) and #757 by equity capitalization ($385.5M). Within this direct 5-issuer industry benchmark cohort, PKBK leads on earnings valuation at 10.3x trailing P/E, while FDBC leads on capital efficiency and profitability with 11.8% ROIC and — gross margin. NWFL currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with GBC at 58/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
GBC ACTIVE
Georgia Banking Company Inc.
D+ 58/100 — — — -2.87% $385.5M Benchmark Subject
ISTR
Investar Holding Corporation
D+ 52/100 16.7x — 7.6% +2.54% $389.8M /istr-vs-gbc →
PKBK
Parke Bancorp Inc.
C 63/100 10.3x — 11.6% +2.42% $392.5M /pkbk-vs-gbc →
NWFL
Norwood Financial Corp.
B 72/100 14.0x — 11.5% +1.80% $394.1M /nwfl-vs-gbc →
FDBC
Fidelity D & D Bancorp Inc.
C+ 69/100 13.6x — 11.8% +3.39% $395.3M /fdbc-vs-gbc →

2. GBC Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Georgia Banking Company Inc. (GBC) operates in Major Banks (Financials) with an equity capitalization of $385.5M, trailing P/E of N/A, forward P/E of N/A, and EV/EBITDA of N/A. Operating profitability registers a gross margin of —, operating margin of —, net profit margin of —, ROIC of —, and free cash flow yield of —, alongside an Altman Z-Score of N/A and Piotroski F-Score of N/A.

3. GBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is GBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Georgia Banking Company Inc. (NASDAQ: GBC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $37.28 (-2.87% 1D, market cap $385.5M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, GBC ranks #465 in composite RQD confidence.

How does GBC compare to ISTR and PKBK in the Financials sector?

Within the Financials sector (Major Banks), GBC carries a Roarable D+ (58/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, ISTR (Investar Holding Corporation) holds a D+ grade (52/100 RQD, P/E 16.7x, ROIC 7.6%, cap $389.8M) and PKBK (Parke Bancorp Inc.) posts a C grade (63/100 RQD, P/E 10.3x, ROIC 11.6%, cap $392.5M). Among the 5-stock peer group, PKBK leads on earnings multiple (10.3x) while FDBC leads on capital efficiency (11.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for GBC?

For Georgia Banking Company Inc. (GBC), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity and sector rank #465 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately and implied 5-year growth hurdle of 8.0%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is GBC trading relative to its 50-day, 200-day, and 52-week technical levels?

GBC last traded at $37.28 (-2.87% on volume of 23,469 shares), positioning the stock -2.56% below its 50-day simple moving average ($38.26) and +1.58% above its 200-day simple moving average ($36.70). Across its 52-week range of $32.47 to $40.89, GBC sits at the 57.1% percentile with a 14-day RSI of 50.5 (NEUTRAL RANGE) and an implied next-earnings move of ±4.2% ($35.71 to $38.85).

Direct Sub-Reports: GBC RQD Cockpit GBC 12M Forecast GBC Earnings & Move GBC Dividends & DRIP GBC Insiders & 13F GBC Whale Options GBC Profit Sankey GBC News & Why
ROARABLE RATING BRIEF • RQD 58/100 (D+) ✓ SEC XBRL & RQD VERIFIED

GBC — Georgia Banking Company Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03

1. Roarable Rating Brief: What This Means to a Prospective Investor

Georgia Banking Company Inc. (GBC) earns a live Roarable RQD composite score of 58/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $37.28 (-2.87% 1D, market capitalization $385.5M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (15/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of N/A, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Georgia Banking Company Inc. (GBC) is a NASDAQ-listed issuer in the Financials sector, Major Banks industry..4B.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 58/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 10/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $32.47 – $40.89 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The only sector reference is Financials / Major Banks.

  • Key Question #1: Can GBC sustain or expand its — operating margin and — ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Will free cash flow conversion (— FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $40.89 52-week high?
  • Key Question #3: How sensitive is GBC's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

GBC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Georgia Banking Company Inc. (GBC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to GBC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

GBC Bull vs. Bear Conversation Board — What's Your Call at $37.28?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON GBC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on GBC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $49.89 (+30.0%)
📌 Pinned Debate

Balance-sheet forensics are moderate, with an Altman Z of 2.5, a Piotroski F of 6/9, and Debt/Equity of 0.5, supporting a macro-fit sco

Here is why I am bullish on GBC here at $38.38: Balance-sheet forensics are moderate, with an Altman Z of 2.5, a Piotroski F of 6/9, and Debt/Equity of 0.5, supporting a macro-fit score of 15 of 20.. Compare GBC's 0.0% operating margin and 0.0% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $36.46 are getting bought.

RetailWhale_TX 🐂 BULL

@ShortSeller_Dan Shorting a 10/20 institutional whale-flow stock at $38.38 is dangerous when funds are rotating into Financials.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $32.24 (-16.0%)
Spot @ $38.38

The cash engine is empty, with ROIC at 0% and FCF yield at 0%, while insider and institutional-flow pillars score 9 and 10 of 20.

I respect the product at Georgia Banking Company Inc., but the stock at $38.38 is a different story. The cash engine is empty, with ROIC at 0% and FCF yield at 0%, while insider and institutional-flow pillars score 9 and 10 of 20.. FCF yield is 0.0% and RQD sits at 58/100 (D+) — why pay up here when you can wait for next quarter's numbers?

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