GBFH
NEUTRAL
$29.1
Live
GBank Financial Holdings Inc. · NASDAQ
Target $43.17
(+48.3%)
$23.87
52W Range
$45.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 10, 2026
Market cap
$421.09M
P/E
19.8
ROE
13.7%
Profit margin
29.0%
Debt/Equity
N/A
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
75%
GBFH presents a contradictory profile, characterized by a weak deterministic health baseline with a Piotroski F-Score of 3/9 and a bearish technical trend (0/100). While the company demonstrates strong top and bottom-line growth (Revenue +29.4%, Earnings +37.5% YoY), these fundamentals are undermined by a poor recent earnings track record (only 1 of the last 4 quarters beat estimates). The stock is currently priced at $29.10, sitting between its defensive Graham Number ($19.52) and its growth-based intrinsic value ($43.37). The combination of strong growth and weak financial health/insider sentiment suggests a high-risk, high-reward scenario.
Key Strengths
Strong YoY Revenue Growth (29.40%)
Robust Earnings Growth (37.50% YoY)
Attractive Forward P/E ratio of 8.30
Healthy Profit Margin of 29.00%
Positive ROE of 13.66%
Key Risks
Weak financial health indicated by Piotroski F-Score of 3/9
Bearish insider sentiment with significant selling by the CFO
Poor earnings consistency (only 25% beat rate over last 4 quarters)
Strong bearish technical trend (0/100)
Significant 6-month price decline of 29.5%
AI Fair Value Estimate
Based on comprehensive analysis
$31.45
+8.1% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
43
Moderate
60
85
40
30
0
AI Verdict
Speculative Growth
Key drivers: High growth rates, Weak Piotroski health score, Bearish insider activity, Price gap between Graham and Intrinsic values
Confidence
80%
Value
60/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E is low (8.30)
- Trading below growth-based intrinsic value
Watchpoints
- Trading significantly above Graham Number ($19.52)
- P/B ratio of 2.53 is relatively high for regional banks
Future
85/100
Ref Growth rates
Positives
- Strong YoY revenue and earnings growth
- Positive Q/Q earnings growth (+41%)
Watchpoints
- Recent failure to meet analyst estimates
Past
40/100
Ref Historical trends
Positives
- Long term 5Y change is positive (+72.2%)
Watchpoints
- Poor 6-month performance (-29.5%)
- Declining earnings surprise trend
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Positive ROA (1.69%)
Watchpoints
- Piotroski F-Score of 3/9 indicates weak financial health
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend yield
- 0/100 dividend strength
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$29.1
Analyst Target
$43.17
Upside/Downside
+48.3%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for GBFH and closest competitors.
Updated 2026-04-09
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
GBFH
GBank Financial Holdings Inc.
Primary
|
+72.2% | +72.2% | -12.6% | -29.5% | +3.2% | +5.9% |
|
BMRC
Bank of Marin Bancorp
Peer
|
-19.0% | +2.4% | +16.9% | +13.4% | -0.8% | -1.4% |
|
BTBT
Bit Digital, Inc.
Peer
|
-92.2% | -21.6% | -34.5% | -65.0% | -21.6% | 0.0% |
|
FRBA
First Bank
Peer
|
+62.9% | +79.6% | +24.9% | +11.5% | +9.3% | +5.5% |
|
CZNC
Citizens & Northern Corporation
Peer
|
+26.8% | +30.9% | +25.9% | +20.2% | +2.7% | +2.5% |
GBF
GBank Financial Holdings Inc.
Primary
5Y
+72.2%
3Y
+72.2%
1Y
-12.6%
6M
-29.5%
1M
+3.2%
1W
+5.9%
BMR
Bank of Marin Bancorp
Peer
5Y
-19.0%
3Y
+2.4%
1Y
+16.9%
6M
+13.4%
1M
-0.8%
1W
-1.4%
BTB
Bit Digital, Inc.
Peer
5Y
-92.2%
3Y
-21.6%
1Y
-34.5%
6M
-65.0%
1M
-21.6%
1W
0.0%
FRB
First Bank
Peer
5Y
+62.9%
3Y
+79.6%
1Y
+24.9%
6M
+11.5%
1M
+9.3%
1W
+5.5%
CZN
Citizens & Northern Corporation
Peer
5Y
+26.8%
3Y
+30.9%
1Y
+25.9%
6M
+20.2%
1M
+2.7%
1W
+2.5%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
19.8
Forward P/E
8.3
PEG Ratio
N/A
P/B Ratio
2.53
P/S Ratio
5.83
EV/Revenue
3.54
EV/EBITDA
N/A
Market Cap
$421.09M
Profitability
Profit margins and return metrics
Profit Margin
29.0%
Operating Margin
52.04%
Gross Margin
N/A
ROE
13.66%
ROA
1.69%
Growth
Revenue and earnings growth rates
Revenue Growth
+29.4%
Earnings Growth
+37.5%
Q/Q Revenue Growth
+25.74%
Q/Q Earnings Growth
+41.0%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$13.67
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
37.1%
Total Assets
$1.4B
Liabilities
$1.2B
Equity
$0.2B
Debt/Equity
7.20x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
99%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-28
$N/A
2026-01-28
$0.52
+3.3% surprise
2025-10-28
$0.44
-3.3% surprise
2025-07-28
$0.33
-15.4% surprise
Financial Services Sector Comparison
Comparing GBFH against 306 companies in the Financial Services sector
(53 bullish, 132 neutral, 121 bearish)
P/E Ratio
19.8
This Stock
vs
55.13
Sector Avg
-64.1%
(Discount)
Return on Equity (ROE)
13.66%
This Stock
vs
-0.93%
Sector Avg
-1572.3%
(Below Avg)
Profit Margin
29.0%
This Stock
vs
69.73%
Sector Avg
-58.4%
(Weaker)
Revenue Growth
29.4%
This Stock
vs
32.66%
Sector Avg
-10.0%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
GBFH
GBank Financial Holdings Inc.
|
NEUTRAL | $421.09M | 19.8 | 13.7% | 29.0% | $29.1 | |
|
BMRC
Bank of Marin Bancorp
|
NEUTRAL | $425.22M | 44.78 | 2.2% | 10.2% | $26.42 | Compare |
|
BTBT
Bit Digital, Inc.
|
NEUTRAL | $427.82M | - | -12.8% | -71.7% | $1.31 | Compare |
|
FRBA
First Bank
|
BULLISH | $428.38M | 9.7 | 10.2% | 32.3% | $17.07 | Compare |
|
CZNC
Citizens & Northern Corporation
|
NEUTRAL | $409.97M | 15.68 | 7.6% | 20.1% | $22.89 | Compare |
GBFH
GBank Financial...
NEUTRAL
Mkt Cap
$421M
P/E
19.8
ROE
13.7%
Price
$29.1
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-04 | WHICKER JEFFERY ERNEST | Chief Financial Officer | Option Exercise | 60,000 | $648,000 |
| 2026-03-03 | WHICKER JEFFERY ERNEST | Chief Financial Officer | Sale | 32,000 | $961,522 |
| 2026-02-26 | CAMPBELL TARA ALLYCE | Officer | Option Exercise | 22,766 | $281,615 |
| 2026-02-25 | CAMPBELL TARA ALLYCE | Officer | Sale | 7,000 | $219,882 |
| 2026-01-06 | SIMS JAMES K | Director | Stock Award | 206 | $7,383 |
| 2026-01-06 | LEVER KATHRYN SARAH | Director | Stock Award | 192 | $6,881 |
| 2026-01-06 | VOINOVICH MICHAEL C | Director | Stock Award | 280 | $10,035 |
| 2026-01-06 | HORNBUCKLE WILLIAM J IV | Director | Stock Award | 178 | $6,380 |
| 2026-01-06 | FINLEY ALFRED LEE | Director and Beneficial Owner of more than 10% of a Class of Security | Stock Award | 143 | $5,125 |
| 2026-01-06 | GRIEGE CHARLES WILLIAM JR | Director | Stock Award | 185 | $6,630 |
| 2026-01-06 | NIGRO TODD ANTHONY | Officer and Director | Stock Award | 185 | $6,630 |
| 2026-01-06 | HERBST TIMOTHY P. | Director | Stock Award | 206 | $7,383 |
| 2025-12-18 | SIMS JAMES K | Director | Stock Award | 1,100 | - |
| 2025-12-18 | NIGRO EDWARD MICHAEL | Chief Executive Officer | Stock Award | 20,000 | - |
| 2025-12-18 | LEVER KATHRYN SARAH | Director | Stock Award | 1,100 | - |
WHICKER JEFFERY ERNEST
Chief Financial Officer
2026-03-04
60,000 shares
·
$648,000
WHICKER JEFFERY ERNEST
Chief Financial Officer
2026-03-03
32,000 shares
·
$961,522
CAMPBELL TARA ALLYCE
Officer
2026-02-26
22,766 shares
·
$281,615
CAMPBELL TARA ALLYCE
Officer
2026-02-25
7,000 shares
·
$219,882
SIMS JAMES K
Director
2026-01-06
206 shares
·
$7,383
LEVER KATHRYN SARAH
Director
2026-01-06
192 shares
·
$6,881
VOINOVICH MICHAEL C
Director
2026-01-06
280 shares
·
$10,035
HORNBUCKLE WILLIAM J IV
Director
2026-01-06
178 shares
·
$6,380
FINLEY ALFRED LEE
Director and Beneficial Owner of more than 10% of a Class of Security
2026-01-06
143 shares
·
$5,125
GRIEGE CHARLES WILLIAM JR
Director
2026-01-06
185 shares
·
$6,630
NIGRO TODD ANTHONY
Officer and Director
2026-01-06
185 shares
·
$6,630
HERBST TIMOTHY P.
Director
2026-01-06
206 shares
·
$7,383
SIMS JAMES K
Director
2025-12-18
1,100 shares
NIGRO EDWARD MICHAEL
Chief Executive Officer
2025-12-18
20,000 shares
LEVER KATHRYN SARAH
Director
2025-12-18
1,100 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
3 analysts
Jones Trading
2026-01-29
Buy
Buy
Hovde Group
2026-01-13
Outperform
Jones Trading
2025-10-29
Buy
Buy
Past News Coverage
Recent headlines mentioning GBFH from our newsroom.
Newest → oldest
No matching news yet.