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GBank Financial Holdings
(NASDAQ:GBFH)
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Rating:67Neutral
Price Target:
$36.00
▲(16.13% Upside)
Action:Reiterated
Date:01/29/26
The score is led by solid financial performance (strong margins, improved leverage, better ROE) and a mostly positive earnings outlook with tangible operational fixes underway. Offsetting factors include weak longer-term technical trend signals (below key moving averages with negative MACD) and a relatively high P/E with no dividend support, alongside lingering execution risk from prior payments/fraud disruptions.
Positive Factors
Robust balance sheet & lower leverage
Material deleveraging and a 13.25% ROE improve capital resilience and regulatory headroom. A stronger equity base reduces insolvency risk and supports lending, product rollouts and partnership capital needs over the next several quarters, enabling steadier growth and investment.
Negative Factors
Credit-card fraud disrupted customer acquisition
A large fraud episode halted marketing and constrained card volume growth, interrupting a key noninterest income stream. Even with fixes, rebuilding safe acquisition channels and trust is a multi-month operational challenge, risking slower revenue recovery until controls prove durable.
Read all positive and negative factors
Positive Factors
Negative Factors
Robust balance sheet & lower leverage
Material deleveraging and a 13.25% ROE improve capital resilience and regulatory headroom. A stronger equity base reduces insolvency risk and supports lending, product rollouts and partnership capital needs over the next several quarters, enabling steadier growth and investment.
Read all positive factors
GBank Financial Holdings (GBFH) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$301.85M
Dividend YieldN/A
Average Volume (3M)53.79K
Price to Earnings (P/E)16.2
Beta (1Y)1.01
Revenue Growth20.00%
EPS Growth-8.28%
CountryUS
Employees189
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.29
Shares Outstanding14,470,352
10 Day Avg. Volume56,598
30 Day Avg. Volume53,786
Financial Highlights & Ratios
PEG Ratio6.55
Price to Book (P/B)2.92
Price to Sales (P/S)4.42
P/FCF Ratio0.00
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$35.00Price Target Upside12.90% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.78
Revenue Forecast (FY)$90.65M
GBank Financial Holdings Business Overview & Revenue Model
Company Description
GBank Financial Holdings Inc., established in 2007 and based in Las Vegas, Nevada, serves as the holding entity for Bank of George. This financial institution delivers a comprehensive range of banking solutions and services across Nevada. Its offe...
GBank Financial Holdings Earnings Call Summary
Earnings Call Date:Jul 29, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 16, 2026
Earnings Call Sentiment Neutral
The call presented a mix of meaningful strategic progress (strong SBA production, large gaming fintech partnerships with Axis and Terrible's, a substantial YoY increase in gain on sale income, rollout/testing of prepaid and wallet products, strengthened leadership and external IT/cyber reviews) alongside near-term operating and credit challenges (NIM compression, elevated NPAs and provisioning, material drop in credit card interchange revenue due to external restrictions, and continued funding cost pressure). Management emphasized proactive actions—special assets realignment, enhanced credit analytics, CFO and IT consultants, and disciplined balance sheet/funding initiatives—that position the bank to manage current headwinds while pursuing longer-term revenue opportunities from gaming fintech integrations. Given the balance of material accomplishments and tangible near-term risks, the tone is cautious but constructive.Positive Updates
Strong SBA Production
SBA loan originations totaled $131.0 million in Q2 2026, with $61.3 million retained on the balance sheet at an average yield of 8.01%. Management states production remains strong with a robust pipeline and no planned slowdown.
Negative Updates
Net Interest Margin Compression
Net interest margin declined to 3.78% in Q2 2026 (from 3.86% in Q1 2026), an 8 basis point decline driven primarily by a 7 basis point reduction in loan yields and a lower FHLB special dividend; NIM headwinds are tied to elevated funding costs.
Read all updates
Q2-2026 Updates
Positive
Negative
Strong SBA Production
SBA loan originations totaled $131.0 million in Q2 2026, with $61.3 million retained on the balance sheet at an average yield of 8.01%. Management states production remains strong with a robust pipeline and no planned slowdown.
Read all positive updates
Company Guidance
Management guided that the near‑term focus will be on margin and balance‑sheet optimization: Q2 NIM fell to 3.78% (from 3.86%) driven by a 7 bp decline in loan yields even as average loan balances rose ≈$60M q/q and loan interest income grew ~$1.1M; provision expense rose to $2.8M (from $2.3M), SBA originations were $131M in Q2 ( $61.3M retained at a 8.01% avg yield ), conventional loans grew $0.855M ( $0.324M retained at 8.53% ), and gain‑on‑sale income for the first six months rose to $9.3M (vs. $5.1M). Management expects the allowance to remain near current levels (reserve $12.7M) while reported NPAs are $60M (roughly a 4.2% reported NPA ratio) against loans managed of ~$2.3–2.4B and total assets of $1.4B; they plan to reduce funding costs by replacing higher‑cost CDs with money‑market deposits and selective FHLB advances, target gaming deposit growth (average daily gaming balances $35–$50M; gaming transactions fell to 84.2M in Q2) via Bankroll/Axis and BoltBetz rollouts (Visa prepaid commercial launch targeted in Q4), and have engaged a CFO consultant, Darling Consulting Group and an IT consultant to improve reporting, cybersecurity and NIM optimization.GBank Financial Holdings Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
80
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 118.69M | 109.61M | 60.14M | 58.96M | 45.24M | 38.50M |
| Gross Profit | 74.28M | 72.17M | 22.95M | 44.68M | 40.47M | 35.95M |
| EBITDA | 27.18M | 33.69M | 24.98M | 20.73M | 19.92M | 19.12M |
| Net Income | 18.48M | 20.93M | 18.64M | 10.92M | 10.87M | 10.98M |
Balance Sheet | ||||||
| Total Assets | 1.43B | 1.36B | 1.13B | 918.38M | 678.70M | 620.30M |
| Cash, Cash Equivalents and Short-Term Investments | 6.73M | 268.90M | 189.73M | 100.59M | 139.41M | 240.12M |
| Total Debt | 5.38M | 32.29M | 30.93M | 61.51M | 28.92M | 27.80M |
| Total Liabilities | 1.26B | 1.19B | 984.87M | 819.95M | 591.91M | 544.51M |
| Stockholders Equity | 172.81M | 165.75M | 140.70M | 98.43M | 86.80M | 75.80M |
Cash Flow | ||||||
| Free Cash Flow | -22.43M | 0.00 | 26.29M | -37.91M | 9.45M | -12.25M |
| Operating Cash Flow | -22.27M | 0.00 | 26.48M | -37.59M | 9.77M | -12.15M |
| Investing Cash Flow | -200.22M | 0.00 | -179.13M | -221.19M | -155.73M | -36.73M |
| Financing Cash Flow | 92.88M | 0.00 | 178.84M | 220.27M | 46.00M | 134.89M |
GBank Financial Holdings Technical Analysis
Negative
31.00
Price Trends
28.80
Negative
28.51
Negative
30.94
Negative
Market Momentum
-2.62
Positive
30.23
Neutral
14.20
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GBFH, the sentiment is Negative. The current price of 31 is above the 20-day moving average (MA) of 26.46, above the 50-day MA of 28.80, and above the 200-day MA of 30.94, indicating a bearish trend. The MACD of -2.62 indicates Positive momentum. The RSI at 30.23 is Neutral, neither overbought nor oversold. The STOCH value of 14.20 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GBFH.
GBank Financial Holdings Risk Analysis
GBank Financial Holdings disclosed 61 risk factors in its most recent earnings report. GBank Financial Holdings reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
GBank Financial Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $662.89M | 14.67 | 12.47% | 0.80% | 7.25% | 22.64% | |
77 Outperform | $659.91M | 13.25 | 9.22% | 3.33% | 18.94% | 14.83% | |
75 Outperform | $695.22M | 12.36 | 10.86% | 3.58% | 0.41% | 68.29% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $301.85M | 16.16 | 11.13% | ― | 20.00% | -8.28% | |
65 Neutral | $598.39M | 11.43 | 10.78% | ― | 13.62% | 52.53% | |
62 Neutral | $721.13M | 12.48 | 11.82% | 2.99% | 8.43% | 69.62% |
* Financial Sector Average
GBFH
GBank Financial Holdings
21.55
-17.62
-44.98%
AROW
Arrow Financial
38.95
10.98
39.24%
BHB
Bar Harbor Bankshares
39.81
8.70
27.95%
PFIS
Peoples Financial Services
70.20
20.97
42.59%
BWB
Bridgewater Bancshares
21.71
5.47
33.68%
RRBI
Red River Bancshares
102.39
38.10
59.27%
GBank Financial Holdings Corporate Events
Business Operations and StrategyExecutive/Board ChangesFinancial Disclosures
GBank Reports Record Q2 Results Amid Executive Transition
Positive
Jul 29, 2026
On July 24, 2026, GBank Financial Holdings’ Executive Vice President and Chief Financial Officer, Jeffrey E. Whicker, left the company and its banking subsidiary, triggering severance benefits under his 2022 employment agreement, while Princ...
Business Operations and Strategy
GBank Financial Expands Reach in Embedded Payments Ecosystem
Positive
Jul 23, 2026
On July 23, 2026, GBank Financial Holdings Inc. reported that its strategic partner Bankroll LLC, a Nevada-based enterprise payments infrastructure company, entered into a strategic partnership to integrate its embedded banking and payments platfo...
Business Operations and StrategyFinancial Disclosures
GBank Financial Sets Date for Q2 2026 Results
Neutral
Jul 20, 2026
On July 20, 2026, GBank Financial Holdings Inc. announced plans to release its second-quarter 2026 financial results on Wednesday, July 29, 2026 at approximately 1:15 p.m. Pacific time. The company will follow the release with a quarterly earnings...
Business Operations and StrategyExecutive/Board Changes
GBank Financial Names Jeff Newgard New CEO, Refreshes Board
Positive
May 19, 2026
On May 15, 2026, the boards of GBank Financial Holdings Inc. and its subsidiary GBank appointed veteran banker Jeff Newgard as President and Chief Executive Officer of GBank, effective June 8, 2026, while current CEO Edward M. Nigro will remain Ex...
Executive/Board Changes
GBank Appoints Olivia Caley as Principal Financial Officer
Neutral
May 12, 2026
Effective May 11, 2026, GBank Financial Holdings Inc. appointed Senior Vice President and Financial Reporting Director Olivia M. Caley as its Principal Financial Officer while Executive Vice President, Chief Financial Officer and Treasurer Jeffery...
Executive/Board ChangesShareholder Meetings
GBank Stockholders Approve Directors, Auditor and Incentive Plan
Positive
May 5, 2026
At its virtual Annual Meeting of Stockholders held on May 1, 2026, GBank Financial Holdings Inc. reported that 10,368,065 of 14,237,844 eligible shares were represented, constituting a quorum and allowing business to proceed. Stockholders elected ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.