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Georgia Banking Company Inc. (GBC) 12-Month Stock Forecast & Price Target Cone

$38.28 0.00% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $38.21

Georgia Banking Company Inc. (GBC) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $395.8M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $38.21 (-0.19%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury 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 SNOWFLAKE RADARRw D+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+0.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for GBC)Realized 20D OHLCV Swing Band: ±4.2%

Deterministic 5-Pillar Attribution (59/100 Composite)

🔍 WHY GBC SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (25% of score)

FRED Regime × Technicals: 69% of 52W Range • RSI-14 at 54.6 (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)

Grade C-$34.83+3.3% Next Q

Q2 (-2Q)

Grade C-$35.98+1.1% Next Q

Q3 (-1Q)

Grade C$36.37+5.3% Next Q

Current

Grade C-$38.28+0.2% Hist 90D α

Trajectory: C- (51) → C- (59)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 59/100 (C-) 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 ($38.28) or 200D SMA ($36.68) invalidates the momentum regime and cuts Target Base ($38.45) toward Bear Floor ($29.99).

🎲 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 59%NO 41%Trade / Inspect Odds →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your GBC Position Size: $10,000

Shares at $38.28: 261.2 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $29.99

$7,834

$-2,166 (-21.7%)

12M Consensus BaseTarget $38.45

$10,044

+$44 (+0.4%)

12M Bull Case BreakoutTarget $45.37

$11,852

+$1,852 (+18.5%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$40	74%	A
Goldman SachsSector Coverage Lead	BUY	$43	69%	B
JP MorganUS Large-Cap Research	HOLD	$34	58%	C

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (GBC Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

GBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +0.37%▲ ASCENDING CHANNEL

2026-11-01O $38.89H $39.36L $38.70C $38.28VOL 18.50M

RES: $40.33SUP: $37.71SMA50: $38.28SMA200: $36.68

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #566 of 1096 ⚔️ NWFL vs GBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (GBC vs. NWFL, PKBK, MVBF, FCBM)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Georgia Banking Company Inc. (GBC) ranks #566 by composite RQD confidence (59/100, grade C-) and #751 by equity capitalization ($395.8M). Within this direct 5-issuer industry benchmark cohort, PKBK leads on earnings valuation at 10.3x trailing P/E, while PKBK leads on capital efficiency and profitability with 11.6% ROIC and — gross margin. PKBK currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with GBC at 59/100 (C-).

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.	C-	59/100	—	—	—	0.00%	$395.8M	Benchmark Subject
NWFL Norwood Financial Corp.	C	65/100	14.0x	—	11.5%	-0.67%	$388.5M	/nwfl-vs-gbc →
PKBK Parke Bancorp Inc.	B-	70/100	10.3x	—	11.6%	+0.37%	$387.5M	/pkbk-vs-gbc →
MVBF MVB Financial Corp.	D+	58/100	—	—	0.0%	+0.34%	$385.7M	/mvbf-vs-gbc →
FCBM First Carolina Financial Services Inc.	D	50/100	—	—	—	+0.61%	$407.3M	/fcbm-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 $395.8M, 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 2026-11-01, Georgia Banking Company Inc. (NASDAQ: GBC) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $38.28 (0.00% 1D, market cap $395.8M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, GBC ranks #566 in composite RQD confidence.

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

Within the Financials sector (Major Banks), GBC carries a Roarable C- (59/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, NWFL (Norwood Financial Corp.) holds a C grade (65/100 RQD, P/E 14.0x, ROIC 11.5%, cap $388.5M) and PKBK (Parke Bancorp Inc.) posts a B- grade (70/100 RQD, P/E 10.3x, ROIC 11.6%, cap $387.5M). Among the 5-stock peer group, PKBK leads on earnings multiple (10.3x) while PKBK leads on capital efficiency (11.6% 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 #566 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 $38.28 (0.00% on volume of 26,974 shares), positioning the stock 0.00% above its 50-day simple moving average ($38.28) and +4.36% above its 200-day simple moving average ($36.68). Across its 52-week range of $32.47 to $40.89, GBC sits at the 69.0% percentile with a 14-day RSI of 54.6 (NEUTRAL RANGE) and an implied next-earnings move of ±4.2% ($36.67 to $39.89).

GBC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is GBC's 12-month stock price target?

Georgia Banking Company Inc. (GBC) carries a 12-month consensus base price target of $38.45 (+0.4% from $38.28), with a bull-case target of $45.37 and a bear-case floor of $29.99.

Is GBC stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates GBC C- (Hold — HOLD) with an RQD Confidence score of 59/100.

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