GBFH · GBank Financial Holdings Inc.
$20.75
-0.03 (-0.14%)
At close · Aug 20
Market Cap
$301.65M
Shares
14.52M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$20.75
Open$20.60
Day$20.60–21.13
52W close$20.39–42.01
Avg vol 30d105K
Short int698K · 4.8% float · 6.7d
Short vol68%
Last earningsJul 29, 2026
DataJul 2024–Aug 2026
Filing10-Q · Aug 13
Up next
Next earnings call
Oct 28, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 13, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Sell
Momentum
Very Weak
Sentiment
Very Bullish
Fundamentals
Poor
Quant / Vol
Very High
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−32%
below
Price vs 50-day avg
−25%
below
RSI (14)
30
oversold
MACD trend
Positive
52-week position
2%
near low
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−31%
trailing
6-month return
−31%
trailing
YTD return
−39%
this year
Relative strength
−42%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $28 › 200d $30 — 200d above 50d
Institutional flow
Accumulating
+19% holders QoQ · +18 funds added
Insider flow
Accumulating
Net +$2.6M over 90 days · 0% sells
Short interest
Falling
4.81% of float · ▼ -1.1% MoM · 6.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
82 holders — near 2-yr high, broad support
Squeeze score
53
elevated · 0–100
Fundamentals
EPS growth
+4%
Y/Y
Valuation
P/E 16.4
rich
Balance sheet
$371.0K
net debt
Quant / Vol
risk profile
Volatility
48%
annualized · 1-yr
Max drawdown
−51%
past year
ATR
6.4%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 29, 2026
Quarterly transaction volume with these operators
· based on current activity levels
$45M – $50M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−32%
Bearish
Price vs 50-day avg
−25%
Bearish
RSI (14)
30
Neutral
MACD trend
Positive
Bullish
52-week position
2%
Bearish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 4 of 6
Trend (MA cross)
No cross
50d $28 › 200d $30 — 200d above 50d
Institutional flow
Accumulating
+19% holders QoQ · +18 funds added
Insider flow
Accumulating
Net +$2.6M over 90 days · 0% sells
Short interest
Falling
4.81% of float · ▼ -1.1% MoM · 6.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
82 holders — near 2-yr high, broad support
Price context
position in its 52-week range
Range low $20
Now $21 · 2%
Range high $42
vs 200-day avg -32%
vs 50-day avg -25%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL to loans | 1.19% | Six Months Ended June 30, 2026 | — |
| ACL to nonaccrual loans | 25% | Six Months Ended June 30, 2026 | — |
| ACL to nonaccrual loans, excluding guaranteed(2) non-GAAP | 70% | Six Months Ended June 30, 2026 | — |
| Adjusted diluted earnings per share non-GAAP | $0.69 | six months ended June 30, 2026 | — |
| Adjusted Diluted Earnings Per Share Excluding Unusual Items non-GAAP | $0.69 | Six Months Ended June 30, 2026 | — |
| Adjusted net income non-GAAP | $10.1M | six months ended June 30, 2026 | — |
| Allowance for credit losses | $12.4M | as of June 30, 2026 | — |
| Allowance for credit losses as a percentage of total loans | 1.19% | as of June 30, 2026 | — |
| Allowance for credit losses as a percentage of total loans, excluding government guaranteed port non-GAAP | 1.42% | as of June 30, 2026 | — |
| Average pretax gain on sale of loans margin | 5.04% | Q2 2026 | — |
| Book value per share | $11.94 | as of June 30, 2026 | — |
| Efficiency ratio | 54.7% | second quarter of 2026 | — |
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| Full-Time Equivalent Employees | 189 | Q2 FY2026 | — |
| Gain on loan sales | $5.5M | second quarter of 2026 | — |
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| Gain on Loan Sales Margin(1) non-GAAP | 4.94% | Six Months Ended June 30, 2026 | — |
| Gain on Loan Sales Margin(2) non-GAAP | 4.94% | Six Months Ended June 30, 2026 | — |
| Gaming-related credit card transaction volume | $84.2M | Q2 2026 | — |
| Guaranteed Portion of Loans Held for Investment | $174.97M | Six Months Ended June 30, 2026 | — |
| Guaranteed Portion of Loans Held for Sale | $50.85M | Six Months Ended June 30, 2026 | — |
| Loans past due 30-89 days and accruing | $4.94M | Q2 FY2026 | — |
| Loans past due 90 days and still accruing | $4.31M | Q2 FY2026 | — |
| Loans sold | $110.1M | second quarter of 2026 | — |
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| Net charge-offs | $2.62M | Six Months Ended June 30, 2026 | — |
| Net Interest Margin | 3.78% | second quarter of 2026 | — |
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| Net loan charge offs as a percentage of average net loans (annualized) | 0.42% | second quarter of 2026 | — |
| Net revenue non-GAAP | $22M | second quarter of 2026 | — |
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| Non-performing assets | $60.2M | as of June 30, 2026 | — |
| Non-performing assets to total assets ratio | 4.2% | as of June 30, 2026 | — |
| Non-performing assets, excluding guaranteed portions non-GAAP | $23.3M | as of June 30, 2026 | — |
| Non-performing assets, excluding guaranteed portions, as a percentage of total assets non-GAAP | 1.63% | as of June 30, 2026 | — |
| Non-performing assets, excluding the government guaranteed portion non-GAAP | $23.3M | as of June 30, 2026 | — |
| Non-performing assets: guaranteed portion | $36.88M | Six Months Ended June 30, 2026 | — |
| Non-performing assets: non-guaranteed portion | $23.3M | Six Months Ended June 30, 2026 | — |
| Other real estate owned | $5.7M | as of June 30, 2026 | — |
| Pre-Provision Net Revenue non-GAAP | $13.72M | Six Months Ended June 30, 2026 | — |
| Ratio of common equity to total assets | 12.07% | as of June 30, 2026 | — |
| Ratio of loans to deposits | 86.9% | as of June 30, 2026 | — |
| SBA lending and commercial loan originations | $132.3M | Q2 2026 | — |
| SBA Loan Originations | $321.27M | Six Months Ended June 30, 2026 | — |
| SBA Loans Sold | $189.11M | Six Months Ended June 30, 2026 | — |
| Tier 1 leverage ratio | 13.2% | as of June 30, 2026 | — |
| Total assets under management | 2.6B | as of June 30, 2026 | — |
| Total Guaranteed Loans | $225.82M | Six Months Ended June 30, 2026 | — |
| Total non-performing assets | $60.18M | Six Months Ended June 30, 2026 | — |
| Total nonaccrual loans | $50.21M | Six Months Ended June 30, 2026 | — |
| Credit card net interchange fees | 2.2M | first quarter of 2026 | — |
| Credit card transaction volume | 109.3M | first quarter of 2026 | — |
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| Gain on loan sales margin non-GAAP | 4.79% | first quarter of 2026 | — |
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| SBA lending and commercial banking loan originations | 208.1M | first quarter of 2026 | — |
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| Cost of interest-bearing liabilities | 3.96% | Q4 FY2025 | — |
| Net interchange fees | $1.8M | Q4 FY2025 | — |
| Non-performing assets, excluding government guaranteed portions non-GAAP | $12.5M | Q4 FY2025 | — |
| Non-performing assets, excluding government guaranteed portions, as a percentage of total assets non-GAAP | 0.92% | Q4 FY2025 | — |
| Return on average stockholders' equity | 18.03% | Q4 FY2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
GBFH
this stock
GBank Financial Holdings Inc.
|
$301.65M | -38.8% | — | 16.4 | 4.8% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| GBFH | -4.8% | -31.4% | -31.3% | -0.3% | -38.8% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -2.8% | -34.7% | -42.5% | -2.4% | -50.6% |
Key facts
CIK
1791145
CUSIP
36166F100
13F (30d)
70 filings
70 filers
Visit website
Investor relations