GBank Financial Holdings, Inc. (GBFH)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$20.31+1.80%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · GBFH
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -3.3% |
| Our one-year growth estimate | diamond | 30.3% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 33.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
GBFH — earnings miss
Dated 2026-08-20
Results of Operations and Financial Condition. The Quarterly Report contains updated information with respect to the Company's past due and nonaccrual loan classifications. The Quarterly Report updates the information included in the Earnings Release as described below: • An increase in nonaccrual loans as of June 30, 2026 of $1.4 million, from $50.2 million to $51.6 million, due to one loan reported as 90 days past due and accruing in the Earnings Release and transferred to nonaccrual status…
Why it matters: This partnership could enhance GBank's position in the gaming payments sector. Success here may drive future growth.
Supportive ifA press release says more client contracts are signed from the BVNKROLL partnership.
Worry ifNo new client contracts announced within six months of the partnership.
Why it matters: A drop in revenue growth could signal deeper issues in GBank's business model.
Worry ifRevenue growth stays above the median of 15% for the sector.
Less concerning ifRevenue growth drops below the median of 15% for the sector.
Why it matters: The CFO leaving could change financial plans and affect stability. Investors will watch for any impact on performance.
Worry ifNet income declines in the next quarter after the CFO transition.
Less concerning ifNet income improves or remains stable in the next quarter.
Why it matters: Changing cash flow affects GBank's ability to run and grow.
Supportive ifCash from operations is positive and stays over $10M for two quarters.
Worry ifCash from operations stays negative or goes down more.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$153 on $10,000 · ±1.5% | How much price usually moves either way. |
| Bad day | $413 loss on $10,000 · 4.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $5,375 loss on $10,000 · 53.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A rise in nonaccrual loans shows worse asset quality. This can hurt profits and investor trust.
Worry ifNonaccrual loans increase beyond $51.6 million as of June 30, 2026.
Less concerning ifNonaccrual loans drop or stay below $51.6 million.
Why it matters: If non-performing assets rise, it shows asset quality is getting worse. This could lead to credit problems.
Worry ifNon-performing assets are over $30 million. This means credit risk is rising.
Less concerning ifNon-performing assets are under $30 million. This shows asset quality is stable.
Why it matters: The new CEO, Jeff Newgard, could change the company's direction. His leadership may improve financial results.
Watch forNet income increases to above $6 million in the next quarter under new leadership.
Also watch forNet income is under $6 million. This shows no change with the new CEO.
Why it matters: Earnings results will show GBank's financial health and market position. It is a key indicator for investors.
Watch forThe earnings report shows profits that are better than expected.
Also watch forThe earnings report shows profits that are lower than expected.
Why it matters: A drop in net income can show profit problems. This may affect investor feelings.
Worry ifNet income for Q3 is below $5 million. This shows possible profit issues.
Less concerning ifNet income for Q3 is over $5 million. This shows profit growth is continuing.
Why it matters: A drop in net interest margin shows pressure on profits. This could worry about financial health.
Worry ifNet interest margin falls below 3.78% in Q3 2026.
Less concerning ifNet interest margin stays steady or goes above 3.78% in Q3 2026.
Why it matters: Stable revenue growth is crucial after the large spike in Q4 2025 and decline in Q1 2026.
Supportive ifRevenue in Q2 2026 stabilizes above $21.59M.
Worry ifRevenue falls below $21.59M in Q2 2026.
Why it matters: A drop in net interest margin means profit pressure. This could hurt earnings.
Worry ifNet interest margin is below 3.5%. This shows earnings are under pressure.
Less concerning ifNet interest margin is stable or above 3.5%. This means better profit management.
Why it matters: The new CEO's plan could impact the company's direction and performance.
Watch forThe new CEO announces a clear strategic plan with specific targets within the next quarter.
Also watch forNo strategic updates or plans are shared within the next quarter.
Why it matters: A drop in net interest margin may hurt profits. It may also show loan pricing issues.
Worry ifNet interest margin is steady above 3.8%. This shows good management of interest income.
Less concerning ifNet interest margin falls below 3.7%. This signals possible problems with loan yields.
Why it matters: A drop in revenue growth signals a slowdown in the financial sector. This could hurt GBank's performance.
Worry ifQ2 revenue growth falls below the median growth rate for the last three years.
Less concerning ifQ2 revenue growth stays above the median growth rate for the last three years.
Why it matters: Slower revenue growth may show problems in keeping operations strong. This can affect investor feelings.
Worry ifQ3 revenue growth below 11.7% compared to Q2 2026.
Less concerning ifQ3 revenue growth exceeds 11.7% compared to Q2 2026.
Why it matters: A big drop in SBA loan originations may show weak demand and hurt revenue growth.
Worry ifSBA loan originations fall below $100 million in the next quarter.
Less concerning ifSBA loans are over $132 million.
Why it matters: A new partnership could enhance GBank's fintech capabilities and drive growth.
Supportive ifA new partnership will grow GBank's fintech services.
Worry ifNo new partnerships announced. This shows growth is slowing.