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Equity
Habersham Bancorp(HABC)
USD --+0.00%
Reward33Low
Risk69Medium-High
📊75%Data
HABC
+0.0 · +0.00%
USD · PINK
Habersham Bancorp | Financial Services
Capital Destroyer
Market Cap:53553
ℹ️
Reward Rating
33
Low
Bottom 5% (model universe)
75% data coverage
ℹ️
Risk Rating
69
Medium-High
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on HABC to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is Habersham Bancorp?

Habersham Bancorp does not have significant operations.

HABC · Verdict

Limited reward · elevated risk

HABC's standout is volatility; profitability and cash flow weigh on the picture.

Based on 88% data coverage

HABC · Verdict

What’s working & what to watch

Strengths 1

  • Volatility75/100

    Above average

Watchouts 4

  • Profitability9/100

    -108% net margin · -106% ROE

  • Cash flow9/100

    -14% free-cash-flow margin

  • Balance sheet23/100

    Current ratio 0.11

  • Growth25/100

    Revenue -14.0% CAGR

Model-based scoring. For information only — not financial advice.

What is Habersham Bancorp?

Habersham Bancorp does not have significant operations. Previously, the company, operated as the bank holding company for Habersham Bank that provided commercial banking services to businesses and individuals in Habersham, White, Cherokee, Warren, Stephens, Forsyth, and Hall Counties in Georgia. The company is listed on the PINK in USA, operating in the Financial Services sector, with a market capitalisation of 53.55K.

Financial Highlights

Investment Breakdown

📈 Growth
Moderate growth momentum — positive trajectory without breakout acceleration.
💰 Profitability
Thin or inconsistent margins weigh on earnings quality.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Valuation is less clear with a negative earnings base.

OpenBook Logo Analysis

Reward: Low (33)

The scoring profile indicates weak reward characteristics across most factors, including valuation and momentum. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap53.55K
P/E RatioN/A
Dividend YieldN/A
52 Week High0.019
52 Week Low0.019
Last AnnualDecember
IPO Date7/17/1995
IncorporatedUSA
Shares Outstanding3M
No. of Employees104
IndustryBanks - Regional
ExchangePINK
Beta-13.141
CurrencyUSD
Websitewww.habcorp.com
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