GBank Financial Holdings Inc. (GBFH) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of GBank Financial Holdings Inc. stock $11.37, price $15.88, that is 28.4% below the price, quality 41 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range $9.20 – $44.00 · fair‑value band $10.03 – $15.06 · the $15.88 price screens above the $11.37 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.
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GBank Financial Holdings Inc. operates as a bank holding company for GBank that provides banking services to commercial and consumer customers in Nevada. The company offers business and personal checking and savings accounts.
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It also provides small business administration loans; commercial real estate, equipment, business term, and medical/professional loans; business lines of credit; accounts receivable/inventory financing services; and credit cards.
In addition, the company offers business and personal digital banking; debit cards; additional services; Zelle cash; business courier; merchant card; positive pay; and remote deposit capture services.
It serves small- and medium-sized businesses, high net worth individuals, professionals, and investors. The company was founded in 2007 and is based in Las Vegas, Nevada.
Stock analysis
GBank Financial Holdings Inc. (GBFH) currently trades at $15.88, while our model-based Fair Value estimate is $11.37, 28% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $16.83 per share, and 1 of the 4 models we run sit above the $15.88 price.
Bear case: the Asset-Based group reads lowest at $7.14, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $10.03 (bear) to $15.06 (bull), the price of $15.88 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 41/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
GBank Financial Holdings Inc. Common Stock reported revenue of $110M in FY2025 versus $38.5M in FY2021, a compound +29.9%/yr. Reported net income was $20.9M in FY2025, compounding +17.5%/yr from FY2021.
Key figures
Market cap $230M Micro · P/E ratio 12.4 · P/S ratio 3.06 · EPS (TTM) $1.28 · Net margin 24.5% · Return on equity 11.4% · Return on assets (EBIT) 2.0% (5-year average) · Operating margin 38.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 59 out of 100 (medium confidence).
What moves the price
The share trades about 58% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −28%, GBFH screens richer than that median.
Fair Value models
Bear$10.03Fair Value $11.37Bull$15.06
Price $15.88 · Downside -28.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.10 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 4 officers or directors bought shares worth $2.3M, most recently on Sep 8, 2026. Buying cluster
BuyMichael C VoinovichDirector2,500 shares at $20.00$50,000Sep 8, 2026
BuyCharles William Griege Jr.Director3× since Nov 11, 2025: 78,000 shares, avg. $27.82$2.2MAug 5, 2026
BuyJeffrey K NewgardPresident/CEO (GBank)32,263 shares at $21.66$698,977Aug 4, 2026
BuyTimothy P HerbstDirector10,000 shares at $21.50$215,000Aug 4, 2026
Buy2000 Universal Holdings LLCCEO and Executive Chairman9,200 shares at $21.51$197,892Aug 4, 2026
BuyEVOL Capital Holdings LLCSECRETARY5,000 shares at $21.07$105,350Aug 4, 2026
SaleJeffery Ernest WhickerEVP/CFO (GBank)32,000 shares at $30.05$961,599Mar 3, 2026
SaleTara Allyce CampbellEVP/COO of GBank7,000 shares at $31.41$219,870Feb 25, 2026
Plus 13 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+82.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+34.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+30.7%
Start year 2020 (pandemic)
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+29.5%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+19.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+19.7%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.33% → 25%
2025 sits 71% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
News mood ⓘNews mood, the average tone of recent news (95 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Compare GBank Financial Holdings Inc. Common Stock with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score41 · Bottom 25%
Fair Value upside−28.4% · Below median
Profitability
Return on equity (12 months)11.4% · Above median
Return on assets1.5% · Top 25%
Net margin (12 months)24.5% · Below median
Operating margin (12 months)38.3% · Below median
Growth and dividend
Revenue growth (quarter YoY)14.5% · Above median
Balance sheet
Debt / equity0.16× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "GBank Financial Holdings Inc. Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/GBFH
Frequently asked questions
Is GBank Financial Holdings Inc. (GBFH) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of $11.37 versus a price of $15.88, about 28% lower (overvalued).
What is the fair value of GBFH?
Our model-based fair value for GBank Financial Holdings Inc. is $11.37 (as of Nov 3, 2026), built from audited fundamentals. The current price: $15.88.
What is the quality score of GBFH?
GBank Financial Holdings Inc. has a Quality Score of 41/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for GBank Financial Holdings Inc. (GBFH)?
Our model-based price target is the fair value of $11.37 (as of Nov 3, 2026) from 4 valuation models. Cautious scenario $10.03, optimistic scenario $15.06. It is a calculation from audited fundamentals, not an analyst target.
What is the GBank Financial Holdings Inc. Common Stock stock forecast for 2026?
Our models put fair value at $11.37, about 28% lower versus a price of $15.88 (overvalued). Cautious scenario $10.03, optimistic scenario $15.06. The calculation is refreshed regularly with new filings.
What is the revenue of GBank Financial Holdings Inc. (GBFH)?
GBank Financial Holdings Inc. reported trailing-twelve-month revenue of about $75.3M (latest available figure, as of Nov 3, 2026).
What is the intrinsic value of GBank Financial Holdings Inc. (GBFH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For GBank Financial Holdings Inc. it is $11.37 per share (as of Nov 3, 2026), against a price of $15.88. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is GBank Financial Holdings Inc. Common Stock stock overvalued or undervalued in 2026?
As of Nov 3, 2026, GBFH trades above its calculated fair value: price $15.88, fair value $11.37, a gap of about −28% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GBFH?
No. The price is what the market pays today ($15.88); the fair value is what the company's own numbers justify ($11.37). For GBank Financial Holdings Inc. the two are $4.51 per share apart. That gap is exactly why we show both numbers side by side.
How much is GBank Financial Holdings Inc. Common Stock worth?
The market values GBank Financial Holdings Inc. at about $230M (market capitalisation, as of Nov 3, 2026). Per share that is $15.88; our models calculate a fair value of $11.37 per share.
What do the bullish and bearish scenarios say about GBFH?
Our models span a range for GBank Financial Holdings Inc.: cautious scenario $10.03, base $11.37, optimistic $15.06 per share (as of Nov 3, 2026, price $15.88). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GBFH?
GBank Financial Holdings Inc. trades at a price-to-earnings ratio of 12.4 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $11.37 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2021 to 2025), reported earnings: 16.8. Other multiples: P/B 1.4, P/S 3.1, EV/EBITDA 7.5.
How solid is the balance sheet of GBank Financial Holdings Inc. (GBFH)?
Balance-sheet figures for GBank Financial Holdings Inc. (as of Nov 3, 2026): return on equity 11.4%, debt of 0.16 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is GBFH from its 52-week high?
GBank Financial Holdings Inc. trades at $15.88, about 58% below its 52-week high of $37.76 and 5% above the low of $15.16 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $11.37 is for.
Which stocks are comparable to GBank Financial Holdings Inc. Common Stock?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is GBank Financial Holdings Inc. Common Stock stock attractive at the current price?
The data as of Nov 3, 2026: price $15.88, calculated fair value $11.37 (−28%), Quality Score 41/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GBFH calculated?
We run GBank Financial Holdings Inc. through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $11.37 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. GBank Financial Holdings Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of GBank Financial Holdings Inc. (GBFH)?
The closing price on Nov 6, 2026 was $15.88. Our model-based fair value is $11.37, about 28% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with GBank Financial Holdings Inc. Common Stock right now?
The price sits above even our optimistic bull case ($15.06). The favourable scenario is already priced in. Weak quality (41/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of GBank Financial Holdings Inc.
How large is the market capitalisation of GBank Financial Holdings Inc. (GBFH)?
The market capitalisation of GBank Financial Holdings Inc. is $230M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of GBank Financial Holdings Inc. (GBFH)?
The price-to-sales ratio of GBank Financial Holdings Inc. is 3.06 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of GBank Financial Holdings Inc. (GBFH)?
Earnings per share at GBank Financial Holdings Inc. are $1.28 (price ÷ EPS = P/E 12.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of GBank Financial Holdings Inc. (GBFH)?
The net margin of GBank Financial Holdings Inc. is 24.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of GBank Financial Holdings Inc. (GBFH)?
The return on equity (ROE) of GBank Financial Holdings Inc. is 11.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of GBank Financial Holdings Inc. (GBFH)?
On an EBIT basis the return on assets of GBank Financial Holdings Inc. is 2.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of GBank Financial Holdings Inc. (GBFH)?
The operating margin of GBank Financial Holdings Inc. is 38.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at GBank Financial Holdings Inc. (GBFH)?
Revenue at GBank Financial Holdings Inc. is growing +14.5% versus a year earlier (3y avg +34.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at GBank Financial Holdings Inc. (GBFH)?
Earnings per share at GBank Financial Holdings Inc. are growing +14.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does GBank Financial Holdings Inc. (GBFH) generate?
The free cash flow of GBank Financial Holdings Inc. is $9.1M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does GBank Financial Holdings Inc. (GBFH) carry?
The net debt of GBank Financial Holdings Inc. is $32.7M (fiscal year 2025, ≈ 3.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 3, 2026
