GBank Financial Holdings (GBFH)
NASDAQ:GBFH
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GBank Financial Holdings
(NASDAQ:GBFH)
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Rating:67Neutral
Price Target:
$36.00
▲(18.30% 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
$404.30M
Dividend YieldN/A
Average Volume (3M)53.79K
Price to Earnings (P/E)73.3
Beta (1Y)1.06
Revenue Growth17.93%
EPS Growth-12.99%
CountryUS
Employees175
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.24
Shares Outstanding14,470,352
10 Day Avg. Volume56,598
30 Day Avg. Volume53,786
Financial Highlights & Ratios
PEG Ratio6.53
Price to Book (P/B)2.92
Price to Sales (P/S)4.42
P/FCF Ratio0.00
Enterprise Value/Market Cap1.12
Enterprise Value/Revenue4.04
Enterprise Value/Gross Profit6.34
Enterprise Value/Ebitda16.22
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.51
Revenue Forecast (FY)$96.40M
GBank Financial Holdings Business Overview & Revenue Model
Company Description
GBank Financial Holdings Inc. operates as a bank holding company for Bank of George that provides banking products and services in Nevada. The company offers business and personal checking accounts. It also provides personal saving services, inclu...
How the Company Makes Money
GBank Financial Holdings generates revenue through multiple key streams. Primarily, the company earns money from net interest income, which is the difference between the interest it pays on deposits and the interest it earns on loans. This include...
GBank Financial Holdings Earnings Call Summary
Earnings Call Date:Jan 28, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Aug 04, 2026
Earnings Call Sentiment Positive
The call presented a mix of strong execution and clear remedy actions tied to material operational challenges. Positives include record quarterly earnings, above-peer net interest margin, improving SBA gain-on-sale economics, low historical SBA losses, licensing and early deployment of the BoltBetz PPA with a large addressable market, and meaningful improvements to fraud/KYC controls that have stopped fraud penetration in the recent relaunch period. Negatives center on the earlier credit-card fraud and application issues that forced a marketing pause and reduced transactions, ACH/vendor failures requiring in‑house remediation, regulatory/partner changes (DraftKings/FanDuel) that removed some acceptance channels, and near-term expense and capital costs tied to product and people investments. Overall, management has identified root causes and implemented technical, operational and incentive fixes; the company shows operational recovery signs and strong core financial metrics, but some execution and timing risks remain.Positive Updates
Record Quarterly Earnings
Reported record Q4 earnings of $7.4M, or $0.52 diluted EPS, an increase of $3.1M versus the prior quarter ($4.3M). After adjusting for one-time items, FY2025 diluted EPS was $1.66 vs. $1.37 prior year (up ~21%).
Negative Updates
Credit Card Application Fraud and Program Disruption
Massive fraud and a problematic application vendor and an ill-targeted direct-mail campaign (700,000 recipients) forced a shutdown and redesign of the credit card application flow; marketing was paused, disrupting customer acquisition and volumes.
Read all updates
Q4-2025 Updates
Positive
Negative
Record Quarterly Earnings
Reported record Q4 earnings of $7.4M, or $0.52 diluted EPS, an increase of $3.1M versus the prior quarter ($4.3M). After adjusting for one-time items, FY2025 diluted EPS was $1.66 vs. $1.37 prior year (up ~21%).
Read all positive updates
Company Guidance
Management guided that GAAP gain-on-sale income should trend above 4% in 2026 (up from 3.24% to 3.98% in Q4), and that net interest margin should remain roughly stable around 4.33% (2025 actual vs. ~3.7% industry) even with anticipated Fed cuts, driven by expected growth in noninterest-bearing deposits from the BoltBetz PPA. They plan to restart credit-card marketing and scale volumes (Q4 transactions settled ~$99M, peak activity this year near $400M vs. $73M prior year) with a potential pathway to roughly $40–60M/month (implying up to ~$800M annualized) if fraud controls hold (no fraud penetrations in the last 60 days after a 10,000-app attack weekend). Key operating metrics: average card balance ~$10M, interchange added ~+$7M to noninterest income in 2025, ACH risks being brought in-house to eliminate 3-business-day delays; SBA remains a core grower (January sales: 12 loans, ~$32M, 8 with ≥1.25% spread), with long‑run SBA stats of 1,002 loans since 2015, ~$2.47B hotel originations, 12 defaults and $2.8M cumulative charge-offs, $761.6M hotel principal on‑balance ($243M guaranteed), $860M off‑balance, and a $10.5M reserve.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 | 112.42M | 109.61M | 60.14M | 58.96M | 45.24M | 38.50M |
| Gross Profit | 71.52M | 72.17M | 22.95M | 44.68M | 40.47M | 35.95M |
| EBITDA | 27.98M | 33.69M | 24.98M | 20.73M | 19.92M | 19.12M |
| Net Income | 17.77M | 20.93M | 18.64M | 10.92M | 10.87M | 10.98M |
Balance Sheet | ||||||
| Total Assets | 1.39B | 1.36B | 1.13B | 918.38M | 678.70M | 620.30M |
| Cash, Cash Equivalents and Short-Term Investments | 4.96M | 5.33M | 0.00 | 100.59M | 139.41M | 240.12M |
| Total Debt | 35.90M | 38.05M | 30.93M | 61.51M | 28.92M | 27.80M |
| Total Liabilities | 1.23B | 1.19B | 984.87M | 819.95M | 591.91M | 544.51M |
| Stockholders Equity | 167.62M | 165.75M | 140.70M | 98.43M | 86.80M | 75.80M |
Cash Flow | ||||||
| Free Cash Flow | -21.59M | 0.00 | 26.29M | -37.91M | 9.45M | -12.25M |
| Operating Cash Flow | -21.41M | 0.00 | 26.48M | -37.59M | 9.77M | -12.15M |
| Investing Cash Flow | -241.34M | 0.00 | -179.13M | -221.19M | -155.73M | -36.73M |
| Financing Cash Flow | 129.40M | 0.00 | 178.84M | 220.27M | 46.00M | 134.89M |
GBank Financial Holdings Technical Analysis
Positive
30.43
Price Trends
27.89
Positive
30.05
Negative
33.95
Negative
Market Momentum
-0.19
Positive
54.65
Neutral
58.47
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GBFH, the sentiment is Positive. The current price of 30.43 is above the 20-day moving average (MA) of 28.42, above the 50-day MA of 27.89, and below the 200-day MA of 33.95, indicating a neutral trend. The MACD of -0.19 indicates Positive momentum. The RSI at 54.65 is Neutral, neither overbought nor oversold. The STOCH value of 58.47 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $603.81M | 10.20 | 12.04% | 3.59% | 8.85% | 82.76% | |
72 Outperform | $587.64M | 9.04 | 11.50% | 4.97% | 11.09% | 175.21% | |
72 Outperform | $588.47M | 12.42 | 12.46% | 0.73% | 7.26% | 25.66% | |
70 Outperform | $577.94M | 10.02 | 7.81% | 3.92% | 10.98% | -14.11% | |
70 Outperform | $520.30M | 7.07 | 10.67% | ― | 17.01% | 61.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $404.30M | 73.34 | 11.24% | ― | 17.93% | -12.99% |
* Financial Sector Average
GBFH
GBank Financial Holdings
29.22
-12.03
-29.16%
AROW
Arrow Financial
36.76
11.76
47.03%
BHB
Bar Harbor Bankshares
34.76
6.73
24.01%
PFIS
Peoples Financial Services
59.57
13.29
28.71%
BWB
Bridgewater Bancshares
18.81
3.98
26.84%
RRBI
Red River Bancshares
91.11
36.25
66.09%
GBank Financial Holdings Corporate Events
Business Operations and StrategyPrivate Placements and Financing
GBank Financial Completes Subordinated Notes Private Placement
Positive
Jan 15, 2026
On January 14, 2026, GBank Financial Holdings completed a $11.0 million private placement of 7.25% fixed-to-floating rate subordinated notes due 2036, issued at par to institutional accredited investors and qualified institutional buyers. The unse...
Business Operations and StrategyProduct-Related Announcements
GBank’s Partner BoltBetz Gains Key Gaming Approvals
Positive
Dec 10, 2025
On December 10, 2025, GBank Financial Holdings Inc. announced that its strategic partner, BoltBetz, received two significant approvals from the Nevada Gaming Control Board. These approvals allow BoltBetz to integrate its software with Konami’...
Executive/Board Changes
GBank Financial Holdings Announces Board Resignation and Appointment
Neutral
Nov 5, 2025
On October 28, 2025, Alan C. Sklar resigned from the Board of Directors of GBank Financial Holdings Inc. and GBank, a decision not related to any disagreements with the company’s operations. Sklar, a founding director, played a crucial role ...
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.