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Gateway Bank, F.S.B. (GWBK) Fair Value & Analysis

Financial Services · US · Market cap $19.2M

Price$0.0720
Fair Value$0.0562
Upside-22.0%
Quality95/100
Evidence: Low Range $0.0490 – $0.0778

Fair value as of: Jun 26, 2026

Analysis

Gateway Bank, F.S.B. (GWBK) currently trades at $0.0720, while our model-based Fair Value estimate is $0.0562 — implying the stock looks roughly 22.0% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).

About the company

Gateway Bank, F.S.B. provides personal and commercial banking products and services in California. The company provides Personal Banking products and services, including checking accounts, savings accounts, certificate of deposit, and individual retirement accounts; and online banking services. It also offers business banking products and services, including checking and savings accounts, money market accounts, and certificate of deposit; and merchant banking services. Gateway Bank, F.S.B. was formerly known as Gateway Bank FSB and changed its name to Gateway Bank, F.S.B. in October 2010. Gateway Bank, F.S.B. was founded in 1990 and is based in Oakland, California.

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Frequently asked questions

Is Gateway Bank, F.S.B. (GWBK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $0.0562 versus a price of $0.0720 — about −22% (overvalued). Model-based estimate, not financial advice.
What is the fair value of GWBK?
Our 21-model fair value for Gateway Bank, F.S.B. is $0.0562 (as of Jun 26, 2026), built from audited fundamentals. The current price is $0.0720.
What is the quality score of GWBK?
Gateway Bank, F.S.B. has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.