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Profile - Habersham Bancorp (NasdaqNM:HABC)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider | Financials
Recent Events
Aug 27Price hit new 52-week high ($16.55)
Upcoming Events
Sep 14Dividend payment of $0.06
Location
Highway 441 North, P.O. Box 1980
Cornelia, GA 30531
Phone: (706) 778-1000
Fax: (706) 778-6886
Email: stovall@habcorp.com
Employees (last reported count): 312
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 48%
·Over the last 6 months:
 · 2 insider buys; 7,000  shares (0.5% of insider shares)
·Institutional: 0% (0% of float)
(8 institutions)
·Net Inst. Buying: 2,000  shares (+22.25%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Habersham Bancorp operates banks in rural and suburban communities in Habersham, White, Cherokee, and Warren counties in Georgia and a full-service, single-family mortgage and construction lender located primarily in the north Atlanta metropolitan area. The Company also does business in the mid-Atlantic area as BancFinancial Services Corporation, which specializes in subprime mortgage lending. The Company's primary source of revenue is providing loans to businesses and individuals in its market area. The Company operates through its wholly owned and indirect subsidiaries, Habersham Bank, BancMortgage Financial Corp., The Advantage Group, Inc., and Advantage Insurers, Inc.
More from Market Guide: Expanded Business Description

Financial Summary
Habersham Bancorp, a bank holding company for Habersham Bank and Security Bancorp, Inc., operates full-service commercial banks. For the six months ended 6/30/01, total interest income rose 12% to $22 million. Net interest income after loan loss provision fell 1% to $8.2 million. Net income before accounting change totaled $3 million, up from $1.3 million. Results reflect increased interest paid on deposits and borrowings, offset by increased gains on loan sales.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Thomas Arrendale, Jr., 80
Chairman
--  
David Stovall, 44
Pres, CEO
$176K
Thomas Arrendale, III, 43
Vice Chairman
--  
Annette Banks, 54
CFO, VP
--  
James McCollum, 50
Exec. VP, Director
149K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:HABCAs of 31-Aug-2001
Price and Volume
52-Week Low
on 2-Jan-2001
$9.625
Recent Price$15.00 
52-Week High
on 27-Aug-2001
$16.55 
Beta0.24 
Daily Volume (3-month avg)2,227 
Daily Volume (10-day avg)4,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+53.8%
52-Week Change
relative to S&P500
+106.4%
Share-Related Items
Market Capitalization$40.5M
Shares Outstanding2.70M
Float1.40M
Dividends & Splits
Annual Dividend (indicated)$0.24 
Dividend Yield1.60%
Last Splitnone 
Per-Share Data
Book Value (mrq)$15.43 
Earnings (ttm)$1.75 
Earnings (mrq)$0.63 
Sales (ttm)$16.32 
Cash (mrq)$5.70 
Valuation Ratios
Price/Book (mrq)0.97 
Price/Earnings (ttm)8.59 
Price/Sales (ttm)0.92 
Income Statements
Sales (ttm)$44.2M
EBITDAN/A 
Income available to common (ttm)$4.73M
Profitability
Profit Margin (ttm)10.7%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.87%
Return on Equity (ttm)12.15%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$15.4M
Short Interest
As of 8-Aug-2001
Shares Short7,000 
Percent of Float0.5%
Shares Short
(Prior Month)
7,000 
Short Ratio2.33 
Daily Volume3,000 
See Profile Help for a description of each item above;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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