GBank Financial Holdings, Inc. (GBFH)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$15.45-0.13%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
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 is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -26.6% |
| Our one-year growth estimate | diamond | 8.7% |
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 2026-11-04.
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 35.3 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name is on a run of consecutive earnings misses and has been missing across recent quarters. A fundamental tilt, not a price call.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
GBFH — earnings miss
Dated 2026-10-28
of this Current Report on Form 8-K, including Exhibit 99.1 furnished herewith, shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall they be deemed incorporated by reference into any filing or other document pursuant to the Exchange Act or the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such fil…
Why it matters: The CEO said team building is a focus and aims to finish by year end. A named finance officer also matters after the CFO left.
Watch forGBFH names a permanent CFO and reports that Newgard completed key team hires by year end.
Also watch forGBFH has no permanent CFO by year end, or reports that key team hires remain open.
Why it matters: Gaming card volume fell to $19.5 million from $84.2 million. More lost use could weigh on fee income.
Worry ifQ4 gaming card volume stays near or below $19.5 million, or net interchange fees fall again from Q3.
Less concerning ifGaming card volume rises above $19.5 million and net interchange fees rise from Q3.
Why it matters: Margin improved from Q2 but remained below last year's 4.35%. A new decline could weaken the core bank's earnings.
Worry ifNet interest margin falls below 3.95% in the next reported quarter.
Less concerning ifNet interest margin stays at or above 3.95% in the next reported quarter.
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 | ±$142 on $10,000 · ±1.4% | How much price usually moves either way. |
| Bad day | $407 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 | $5,985 loss on $10,000 · 59.9% | 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.