Gbank Financial Holdings Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.
What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.
Revenue for the twelve months to June 2026 was $82m.
Our model value for Gbank Financial is under review, so past values are not shown until it is resolved.
Source: 10-Q filed August 13, 2026 on SEC EDGAR · Financials · Valuation
Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.
Gbank Financial Holdings Inc.'s trailing-twelve-month revenue grew 19.9% year on year, with a free-cash-flow margin of 37.6%.
Current signal Free cash flow diverging from earnings: TTM free cash flow grew 49.2% while net income fell 5.1%: a 54pp divergence.
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
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Company announcements, filed results and changes that matter to shareholders.
Gbank Financial Holdings Inc. reports on Wednesday 28 October, after the market closes. Analysts expect full-year EPS of $1.59; these are the numbers and trends the report will test.
No model value for Gbank Financial Holdings Inc. at the moment. Current status: data-quality checks not passed. Available reported financials are shown below.
The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.
We value Gbank Financial Holdings Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 8.4%: the 10-year Treasury yield (4.9%) plus a beta of 0.76 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | ~$23 ~$15–$36 | Primary model, counts double |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | ~$23 ~$19–$28 | Included |
| Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. | ~$18 ~$11–$24 | Included |
| Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. | ~$9.6 ~$13–$19 | Included |
| Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. | ~$23 ~$22–$27 | Included |
| Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. | — | Does not apply: This model is withheld pending its input or assumption review. |
| Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. | — | Combined value withheld. Review the individual models and their assumptions. |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Gbank Financial Holdings Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.
Next results: January 28, 2027, after the close. Analysts expect revenue of $24m and EPS of $0.32 (range $0.31 to $0.33) for the quarter.
| Fiscal year | EPS | Growth | Revenue | Growth |
|---|---|---|---|---|
| Current | $1.19 | −29% | $89m | +17% |
| Next | $2.35 | +98% | $124m | +39% |
Next year's EPS estimate has moved −20.4% in 90 days, across 3 analysts.
The consensus EPS forecast for the current fiscal year is −26.6% on 90 days ago. In the last 30 days, 0 analysts raised Gbank Financial Holdings Inc.'s forecast and 3 cut it.
Average of analysts' published estimates (third-party data).
| Period | Current fiscal year | Next fiscal year |
|---|---|---|
| 90 days ago | $1.61 | $2.95 |
| 60 days ago | $1.59 | $2.62 |
| 30 days ago | $1.59 | $2.62 |
| 7 days ago | $1.59 | $2.62 |
| Now | $1.19 | $2.35 |
| Quarter to | Estimate | Actual | Surprise |
|---|---|---|---|
| Sept 2026 | $0.43 | $0.30 | −30.8% |
| Jun 2026 | $0.48 | $0.38 | −21.4% |
| Mar 2026 | $0.52 | $0.31 | −39.8% |
| Dec 2025 | $0.50 | $0.52 | +3.3% |
Adjusted EPS as companies report it, against the average analyst estimate.
Last 12 months −57.8%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $69m | $82m | +19.9% |
| Net margin | 28.3% | 22.4% | −20.9% |
| P/E multiple | 26.5x | 12.0x | −54.7% |
| Share count | 14m | 14m | −1.6% |
Biggest factor: p/e multiple.
| Calendar year | 2025 | 2026 to date |
|---|---|---|
| Return | ||
| GBFH | −21% | −55% |
| Industry peers (median) | +10% | +24% |
| S&P 500 | +18% | +11% |
| Months that ended higher | ||
| GBFH | 42% | 36% |
| S&P 500 | 75% | 46% |
| Largest fall from a high during the year | ||
| GBFH | −31% | −56% |
| S&P 500 | −19% | −9% |
Worst fall since July 9, 2024: 66% from December 30, 2024 to October 30, 2026. Getting back needed a 190% gain, and the shares have not yet recovered.
| Results released | Next day | S&P 500 next day | 5 days | 21 days |
|---|---|---|---|---|
| October 28, 2026 | −12.9% | 0.0% | — | — |
| July 29, 2026 | −30.7% | +0.1% | −32.8% | −33.0% |
| April 29, 2026 | +3.1% | +1.0% | +1.5% | +4.3% |
| January 28, 2026 | −4.1% | −0.2% | −1.2% | −9.4% |
| October 29, 2025 | −3.5% | −1.1% | −8.5% | −12.1% |
| July 28, 2025 | −7.9% | −0.3% | −9.8% | −1.1% |
| May 1, 2025 | +8.0% | +2.2% | +3.8% | −3.4% |
Source: SEC EDGAR filings. Retrieved October 26, 2026.
| Period | Revenue (TTM) |
|---|---|
| FY24 Q4 | $62.4M |
| FY25 Q1 | $66.5M |
| FY25 Q2 | $68.8M |
| FY25 Q3 | $72.8M |
| FY25 Q4 | $76M |
| FY26 Q1 | $78.3M |
| FY26 Q2 | $82.5M |
Source: SEC EDGAR filings. Retrieved October 26, 2026.
| Period | FCF margin (TTM) |
|---|---|
| FY24 Q4 | 42.1% |
| FY25 Q1 | 42.6% |
| FY25 Q2 | 30.3% |
| FY25 Q3 | 30.7% |
| FY25 Q4 | 12.0% |
| FY26 Q1 | 5.8% |
| FY26 Q2 | 37.6% |
What Gbank Financial earned on its loans and securities in FY2025, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.
| Interest income | $84.3M | |
|---|---|---|
| Fee and other income | $25.3M | 33.3% of revenue |
| Interest paid | $33.6M | |
| Net interest income | $50.7M | 66.7% of revenue |
| Revenue | $76M | |
| Non-interest expense | $45.1M | 59.3% of revenue |
| Credit-loss provisions | $3.9M | 5.1% of revenue |
| Pre-tax profit | $27.1M | 35.6% of revenue |
| Income tax | $6M | 7.9% of revenue |
| Net income | $20.9M | 27.5% of revenue |
| Fiscal year | 2024 Dec 2024 | 2025 Dec 2025 | LTM Jun 2026 |
|---|---|---|---|
| Income | |||
| Revenue | 62 | 1,235 | 82 |
| Net income | 19 | 21 | 18 |
| Diluted EPS | $1.39 | $1.44 | $1.28 |
| Growth (year on year) | |||
| Revenue | — | +>999% | +19.9% |
| Net income | — | +12.3% | −5.1% |
| Diluted EPS | — | +3.6% | −6.7% |
| Margins | |||
| Net margin | 29.9% | 1.7% | 22.4% |
| Free-cash-flow margin | 42.1% | 0.7% | 37.6% |
| Cash flow | |||
| Cash from operations | 26 | 10 | 32 |
| Capital spending | 0 | 0 | 1 |
| Free cash flow | 26 | 9 | 31 |
| Stock-based pay | 2 | 2 | 2 |
| Free cash flow after stock pay | 24 | 7 | 29 |
| Balance sheet | |||
| Cash | 124 | 198 | 141 |
| Total debt | 0 | 0 | 0 |
| Net debt (negative = net cash) | −124 | −197 | −141 |
| Diluted shares | 13m | 14m | 14m |
| Quarter | 2024 Q3 Sept 2024 | 2024 Q4 Dec 2024 | 2025 Q1 Mar 2025 | 2025 Q2 Jun 2025 | 2025 Q3 Sept 2025 | 2025 Q4 Dec 2025 | 2026 Q1 Mar 2026 | 2026 Q2 Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income | ||||||||
| Revenue | 16 | 18 | 17 | 18 | 20 | 21 | 20 | 22 |
| Net income | 5 | 5 | 4 | 5 | 4 | 7 | 1 | 5 |
| Diluted EPS | $0.38 | $0.37 | $0.31 | $0.33 | $0.30 | $0.51 | $0.09 | $0.38 |
| Growth (year on year) | ||||||||
| Revenue | — | — | +31.4% | +14.6% | +24.8% | +18.4% | +13.2% | +23.5% |
| Net income | — | — | +20.8% | +1.7% | −14.1% | +41.0% | −70.6% | +14.9% |
| Diluted EPS | — | — | +6.9% | −8.3% | −21.1% | +37.8% | −71.0% | +15.2% |
| Margins | ||||||||
| Net margin | 31.0% | 30.0% | 25.8% | 26.8% | 21.4% | 35.7% | 6.7% | 24.9% |
| Free-cash-flow margin | −85.8% | 226.0% | −32.9% | 4.7% | −61.2% | 127.3% | −52.3% | 124.4% |
| Cash flow | ||||||||
| Cash from operations | −14 | 40 | −6 | 1 | −12 | 27 | −10 | 27 |
| Capital spending | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free cash flow | −14 | 40 | −6 | 1 | −12 | 26 | −10 | 27 |
| Stock-based pay | 0 | 1 | 1 | 1 | 1 | 0 | 1 | 1 |
| Free cash flow after stock pay | −14 | 39 | −6 | 0 | −13 | 26 | −11 | 27 |
| Last 12 months unless stated | GBFH | OVLY | BRBS | HWBK | BPRN | TSBK | Median |
|---|---|---|---|---|---|---|---|
| Revenue, last 12 months | $82m | $84m | $84m | $85m | $86m | $87m | $255m |
| Revenue growth, last 12 months | 19.9% | 7.4% | −5.4% | 12.1% | 6.0% | 9.4% | 12.6% |
| Revenue growth, 3-year average | — | 1.1% | −14.9% | 6.7% | 0.8% | 3.3% | 6.0% |
| Revenue growth, latest quarter | 23.5% | 3.8% | −20.7% | 15.0% | 6.7% | 6.3% | 10.8% |
| Net margin | 22.4% | 28.0% | 11.2% | 30.0% | 30.0% | 36.2% | 28.7% |
| Cash from operations / revenue | 38.6% | 31.3% | 27.7% | 39.7% | 29.0% | 35.9% | 34.3% |
| Free-cash-flow margin | 37.6% | 29.2% | 25.1% | 33.0% | 27.2% | 33.4% | 31.4% |
| Free-cash-flow margin, 3-year average | — | 28.8% | 15.8% | 30.3% | 21.0% | 31.8% | 29.9% |
| Stock pay / revenue | 2.6% | 1.7% | 1.0% | 0.6% | 1.5% | 0.3% | 1.2% |
| Change in share count | 1.6% | 0.5% | 98.1% | −1.0% | 1.2% | −0.8% | 0.4% |
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Blackrock, Inc. | $20.2M | 665K | 17.4% | ▲ 7.7% |
| Vanguard Capital Management LLC | $12.8M | 422K | 11.1% | ▲ 2.1% |
| Arista Wealth Management, LLC | $9M | 295K | 7.7% | 0.0% |
| Geode Capital Management, LLC | $7.4M | 243K | 6.4% | ▲ 10.2% |
| Chapin Davis, Inc. | $7M | 232K | 6.1% | 0.0% |
| State Street Corp | $6.2M | 204K | 5.3% | ▲ 5.0% |
| Cannell & Spears LLC | $6.1M | 202K | 5.3% | 0.0% |
| Rvw Wealth, LLC | $3.6M | 119K | 3.1% | ▼ 25.1% |
| Emerald Mutual Fund Advisers Trust | $3.6M | 118K | 3.1% | 0.0% |
| Kennedy Capital Management LLC | $3.5M | 117K | 3.1% | ▼ 23.7% |
| Citadel Advisors LLC | $2.7M | 90K | 2.4% | ▲ 47.9% |
| Quantinno Capital Management LP | $2.4M | 78K | 2.0% | 0.0% |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Gbank Financial Holdings Inc.'s complete shareholder register. Values are as reported by the filers .
| Insider | Date | Trade | Shares | Price | Value |
|---|---|---|---|---|---|
| Voinovich Michael C Director | September 8, 2026 | Buy | 2,500 | $20.00 | $50,000 |
| Griege Charles William Jr. Director | August 5, 2026 | Buy | 25,000 | $21.03 | $525,750 |
| Newgard Jeffrey K President/CEO (GBank) | August 4, 2026 | Buy | 8,772 | $21.54 | $188,949 |
| Newgard Jeffrey K President/CEO (GBank) | August 4, 2026 | Buy | 4,293 | $21.54 | $92,471 |
| Herbst Timothy P Director | August 4, 2026 | Buy | 10,000 | $21.50 | $215,000 |
| 2000 Universal Holdings Llc 10% owner | August 4, 2026 | Buy | 9,200 | $21.51 | $197,892 |
| Evol Capital Holdings Llc 10% owner | August 4, 2026 | Buy | 5,000 | $21.07 | $105,350 |
| Newgard Jeffrey K President/CEO (GBank) | August 3, 2026 | Buy | 12,889 | $21.75 | $280,336 |
| Newgard Jeffrey K President/CEO (GBank) | August 3, 2026 | Buy | 6,309 | $21.75 | $137,221 |
| Griege Charles William Jr. Director | June 5, 2026 | Buy | 24,000 | $29.00 | $696,000 |
| Griege Charles William Jr. Director | June 5, 2026 | Buy | 4,000 | $29.00 | $116,000 |
| Whicker Jeffery Ernest EVP/CFO (GBank) | March 3, 2026 | Sell | 7,125 | $29.98 | $213,608 |
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
Next expected around January 27, 2027 estimated from the company's past filing pattern, not announced
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| Financial statements | SEC 10-K and 10-Q filings | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
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