GBank Financial Holdings Inc. Common Stock (GBFH)

FairStock Score: 62/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

GBank is a 189-employee Nevada bank holding company that makes commercial, SBA, real estate and consumer loans. It is understandable but hard to underwrite fully from these figures. At the close on 2026-10-13, the shares were $17.20, with FairStock-calculated P/E 13.44 and P/B 1.44. That is not demanding if earnings are durable. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $5.5M and diluted EPS $0.38; in fiscal Q1 2026, the quarter ended 2026-03-31, net income was $1.3M and diluted EPS $0.09. Fiscal Q3 2025, ended 2025-09-30, had net income of $4.3M and diluted EPS $0.30, while fiscal Q2 2025, ended 2025-06-30, had net income of $4.8M and diluted EPS $0.33. For FY2025, net income was $20.9M and diluted EPS $1.44, versus FY2024 net income of $18.6M and diluted EPS $1.39. The provided FairStock profit-growth figure is -70.58%, which conflicts with the annual increase and warns of quarterly instability. ROE is 11.39% and Piotroski is 7/9, decent but not a wide-moat bank. The stock is near its 52-week low of $17.02, far below $40.87. Without CET1, net interest margin, nonperforming assets, reserves or charge-offs, I cannot judge credit risk. It may be statistically cheap, but it is not a Graham-style certainty.

In plain English: GBank Financial Holdings is a small Nevada bank that serves businesses and consumers. It is profitable, and the latest reported quarter showed earnings, but recent profit has been uneven and the company has only a short record of filed results. At $17.20, the price looks modest compared with its profits and net worth, though the stock is near its 52-week low and the data do not show enough about loan quality.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer