GBank Financial Holdings Inc. (GBFH) stock analysis

GBFHNasdaqState Commercial BanksFiscal year ends December 31

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 13, 2026Score 11/302% below fair value

$15.05−0.27 (-1.76%)

Close on Nov 12, 2026Market cap $218.47MP/E 11.8Yield –

StockData Score

Prices as of Nov 12, 2026How the score works

Mixed11 of 30 checks passed

GBank Financial passes 11 of the 30 checks behind our score; 14 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation: 4/6
Growth: 1/6
Past performance: 1/6
Financial health: 5/6
Dividend: 0/6

What stands out

Trading below fair value
The share price of $15.05 is below our fair value estimate of $15.32.
Modest borrowings
Borrowings other than deposits are 0.0% of equity.
P/E below the industry
GBank Financial's P/E of 11.8 is below the Commercial Banks median of 12.0.
Well capitalized
Equity is 12.1% of total assets; 8% or more is a comfortable cushion.

What to watch

Margin of safety under 20%
The price is 1.7% below fair value, less than the 20% cushion we look for.
Return on equity below the industry
GBank Financial's return on equity of 11.4% is below the Commercial Banks median of 11.5%.
Net margin below the industry
GBank Financial's net margin of 22.4% is below the Commercial Banks median of 30.3%.
High cost base
Non-interest expense takes 62.6% of revenue; under 60% is efficient for a bank.

Valuation4/6

P/E against its history
Not enough price and earnings history to compare.
P/E below the industry
GBank Financial's P/E of 11.8 is below the Commercial Banks median of 12.0.
P/S below the industry
GBank Financial's price-to-sales of 2.65 is below the Commercial Banks median of 3.61.
P/B below the industry
GBank Financial's price-to-book of 1.26 is below the Commercial Banks median of 1.28.
Trading below fair value
The share price of $15.05 is below our fair value estimate of $15.32.
Margin of safety under 20%
The price is 1.7% below fair value, less than the 20% cushion we look for.

Growth1/6

Revenue growth over 3 years
Needs three years of positive revenue.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing faster than the industry
Revenue grew 19.9% over the last twelve months; the Commercial Banks median is 11.3%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.

Past performance1/6

Return on equity
Needs positive equity and five years of results.
Return on assets over 1%
Return on assets was 1.4%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
GBank Financial's return on equity of 11.4% is below the Commercial Banks median of 11.5%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin against its history
Needs five years of revenue and net income.
Net margin below the industry
GBank Financial's net margin of 22.4% is below the Commercial Banks median of 30.3%.

Financial health5/6

Well capitalized
Equity is 12.1% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Loans equal 85.8% of deposits, so lending is funded by customer deposits.
Adequate loan-loss reserve
The allowance for credit losses is 1.2% of loans; we look for at least 1%.
High cost base
Non-interest expense takes 62.6% of revenue; under 60% is efficient for a bank.
Deposits growing
Deposits grew 16.8% over the past year.
Modest borrowings
Borrowings other than deposits are 0.0% of equity.

Dividend0/6

No dividend
GBank Financial has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$15.32

The share price is 2% below this estimate.

20%+ below

Near fair value

20%+ above

$15.05Price

Method	Multiple used	Own 5Y median	Industry median	Value per share	Weight
P/E	12.0×	–	12.0×	$15.39	50%
P/B	1.3×	–	1.3×	$15.24	50%
Fair value				$15.32	100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

P/E at month end
Commercial Banks median 12.0

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day: $1.43M
Value traded per 1% price move: $846.10K

Downside

High risk

Typical loss in a bad month: 32.5%
Volatility (annualized): 49%
Sharpe ratio, 1 year: -1.23
Beta to the S&P 500 (5Y): 0.32

Typical bad-month loss, week by week

Margins

Share of revenue, fiscal years 2023 to 2025

Net margin

1.7%

Growth rates

Compound annual growth to fiscal 2025

Per year	1 year	3 years	5 years	10 years
Revenue	+1879.6%	–	–	–
Net income	+12.3%	–	–	–
EPS, diluted	+3.6%	–	–	–
Free cash flow	-65.2%	–	–	–

Measure	FY2023	FY2023	FY2025
Return on equity	–	–	13.7%
Capex to revenue	–	–	0.0%
Diluted shares	–	–	14M

DuPont analysis

Return on equity split into margin, efficiency and leverage

Net margin1.7%

Asset turnover1.00×

Equity multiplier8.10×

Return on equity, FY202513.7%

Fiscal year	Net margin	Asset turnover	Equity multiplier	Return on equity
FY2025	1.7%	1.00×	8.10×	13.7%

Where these numbers come from

Parsed from the XBRL in GBank Financial's annual and quarterly filings with the SEC
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing