Stocks · Financial Services · Banks - Regional
GBank Financial Holdings Inc. GBFH
$17.66 -1.51% Close, Oct 5, 2026 · NASDAQ · Market cap $259.5M
Weak trendHigh risk
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Over the past year the stock returned -55.2%, behind the S&P 500 by 70.9 percentage points.
- The stock is 58% below its highest close of the past year.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 25%
- EPS growth (TTM, YoY)Bottom 24%
- Revenue growth, 3-year CAGRTop 13%
- Revenue growth accelerationBottom 15%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 50%
- Gross marginTop 36%
- Operating marginTop 49%
- Cash conversion (OCF / net income)Bottom 6%
- Accruals (lower is better)Bottom 16%
- Net debt / EBITDA (lower is better)Top 47%
- Interest coverBottom 33%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 45%
- Free-cash-flow yieldBottom 10%
- EBITDA / enterprise valueTop 32%
- Sales / enterprise valueTop 38%
- P/E vs own 5-year history (lower is better)Top 30%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 4%
- 6-month returnBottom 1%
- 1-year return vs S&P 500Bottom 4%
- Distance from 52-week highBottom 4%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 12%
- Consecutive EPS beatsBottom 17%
- Upside to consensus price targetTop 4%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 5%
- Maximum drawdown, 3 yearsBottom 12%
- Beta vs S&P 500 (lower is better)Bottom 15%
- Net debt / EBITDA (lower is better)Top 47%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 30.6% | 18.4% | ↓ |
| EPS growth (YoY) | -12.7% | -7.9% | ↑ |
| Gross margin | 60.3% | 70.1% | ↑ |
| Operating margin | 27.9% | 22.2% | ↓ |
| FCF margin | -5.4% | -21.2% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 18.4% | 30.6% | ↓ | Top 25% |
| EPS growth (TTM, YoY) | -7.9% | -12.7% | ↑ | Bottom 24% |
| Gross margin | 70.1% | 60.3% | ↑ | Top 36% |
| Operating margin | 22.2% | 27.9% | ↓ | Top 49% |
| Net margin | 17.4% | 21.8% | ↓ | — |
| Free-cash-flow margin | -21.2% | -5.4% | ↓ | — |
| Return on invested capital | 1.3% | — | Bottom 50% | |
| Revenue growth, 3-year CAGR | 34.3% | — | Top 13% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- -1.21×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 2.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.1%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.07×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -0.44%
- Shareholder yield
- -0.44%
- Share count change, 1 year
- -0.3%
- Share count change, 3-year CAGR
- +4.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 13, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -14.6%
- Average 2-day reaction, last 8
- +1.4%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $35.00
- Target vs current price
- +98.2%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | -21.4% | -1.1% | -29.3% | -32.3% | — |
| Apr 28, 2026 | -38.0% | -0.4% | -0.5% | +2.6% | +5.4% |
| Jan 28, 2026 | +3.4% | +0.7% | -2.7% | -5.3% | -10.6% |
| Oct 28, 2025 | -2.2% | +0.8% | -6.5% | -16.1% | -12.5% |
| Jul 28, 2025 | -15.4% | +4.8% | -11.3% | -4.6% | -7.3% |
| Apr 29, 2025 | +0.0% | +5.1% | +9.8% | +6.1% | +9.5% |
| Jan 28, 2025 | +12.5% | +0.4% | +5.4% | +0.3% | -3.5% |
| Oct 22, 2024 | +23.3% | +1.2% | +17.8% | +10.2% | +53.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $0.38 | $0.48 | -21.4% | $21.9M |
| Apr 28, 2026 | $0.31 | $0.50 | -38.0% | $19.6M |
| Jan 28, 2026 | $0.52 | $0.50 | +3.4% | $20.7M |
| Oct 28, 2025 | $0.44 | $0.45 | -2.2% | $28.2M |
| Jul 28, 2025 | $0.33 | $0.39 | -15.4% | $25.6M |
| Apr 29, 2025 | $0.31 | $0.31 | +0.0% | $24.5M |
| Jan 28, 2025 | $0.36 | $0.32 | +12.5% | $16.2M |
| Oct 22, 2024 | $0.37 | $0.30 | +23.3% | $15.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.8× | 15.8× | 33th | Top 45% |
| P/E (forward) | 11.1× | — | — | — |
| EV / EBITDA | 10.6× | — | — | Top 32% |
| EV / Sales | 2.72× | — | — | Top 38% |
| Free-cash-flow yield | -8.65% | — | — | Bottom 10% |
| Earnings yield | 7.25% | — | — | Top 45% |
P/E over the past five years
Range 10.9× – 30.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -55.2%
- Earnings per share growth (TTM)
- -7.9%
- Change in P/E multiple
- -40.6%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -18.5%
- 200-day average slope (20 days)
- -5.3%
- Distance from 50-day average
- -14.7%
- Distance from 200-day average
- -36.9%
- RSI (14)
- 27.1
- Relative volume
- 0.56×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 79.3%
- Volatility vs own 5-year history
- 96th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.12
- Correlation with S&P 500
- 0.34
- Current drawdown from 1-year high
- -58.0%
- Maximum drawdown, 3 years
- -59.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 30, 2024 | Oct 5, 2026 | -59.9% | 441 days | Not yet recovered |
| Mar 1, 2022 | Oct 31, 2022 | -22.6% | 169 days | 61 days (Jan 30, 2023) |
| Feb 25, 2021 | Mar 11, 2021 | -17.9% | 10 days | 51 days (May 24, 2021) |
| Jun 10, 2021 | Jul 2, 2021 | -17.8% | 16 days | 162 days (Feb 23, 2022) |
| Oct 30, 2023 | Nov 3, 2023 | -13.2% | 4 days | 42 days (Jan 5, 2024) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $259.5M
- P/E (TTM)
- 13.8
- EPS, diluted (TTM)
- $1.28
- Revenue (TTM)
- $105.9M
- 52-week range
- $17.50 – $42.23
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $38.5M | $45.2M | $59.0M | $60.1M | $109.6M |
| Gross profit | $35.9M | $40.5M | $44.7M | $22.9M | $72.2M |
| Operating income | $14.4M | $14.0M | $13.5M | $23.9M | $27.1M |
| Net income | $11.0M | $10.9M | $10.9M | $18.6M | $20.9M |
| EPS (diluted) | $0.85 | $0.84 | $0.84 | $1.39 | $1.44 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $23.2M | $16.2M | $24.5M | $25.6M | $28.2M | $30.0M | $28.6M | $19.1M |
| Net income | $5.0M | $5.2M | $4.5M | $4.8M | $4.3M | $7.4M | $1.3M | $5.5M |
| EPS (diluted) | $0.37 | $0.38 | $0.31 | $0.33 | $0.30 | $0.51 | $0.09 | $0.38 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$12.1M | $9.8M | -$37.6M | $26.5M | $0 |
| Capital expenditure | -$107,000 | -$316,000 | -$328,000 | -$194,000 | $0 |
| Free cash flow | -$12.3M | $9.5M | -$37.9M | $26.3M | $0 |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $56,963 | $129,000 | $7,000 | $19.5M | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $6.7M
- Total assets
- $1.43B
- Total liabilities
- $1.26B
- Total debt
- $35.7M
- Net debt
- $29.0M
- Shareholders’ equity
- $172.8M
As of Jun 30, 2026 (filed Aug 13, 2026).
Short interest
- Shares sold short
- 729,915
- Days to cover
- 12.31
- Change vs previous report
- +1.0%
FINRA short interest, settlement date Sep 15, 2026.