Stock Ratings / Financials / GBFH / dividends

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GBank Financial Holdings Inc. (GBFH) Dividend Safety Gauge & 10-Year DRIP Compounder

Q: Does GBFH pay a dividend and is it safe?

GBank Financial Holdings Inc. (GBFH) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

$15.22 -10.78% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $14.90

GBank Financial Holdings Inc. (GBFH) carries a Roarable Rating of D (Sell) with 46/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (46/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $220.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on GBFH Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is GBFH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, GBank Financial Holdings Inc. (NASDAQ: GBFH) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 46/100 at a spot price of $15.22 (-10.78% 1D, market cap $220.9M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 3/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, GBFH ranks #799 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does GBFH compare to CFBK and MRBK in the Financials sector?

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Within the Financials sector (Major Banks), GBFH carries a Roarable D (46/100 RQD), trailing P/E of 10.6x, gross margin of —, and ROIC of 12.6%. By comparison, CFBK (CF Bankshares Inc.) holds a C+ grade (68/100 RQD, P/E 12.7x, ROIC 9.5%, cap $222.1M) and MRBK (Meridian Corporation) posts a C grade (65/100 RQD, P/E 10.4x, ROIC 10.9%, cap $226.9M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while CMTV leads on capital efficiency (14.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for GBFH?

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Per GBFH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001791145), GBank Financial Holdings Inc. generated $1.24B in revenue, $20.9M in net income, and $9.6M in free cash flow against $1.36B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $14.90 (-2.13%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 0.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (46/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.1% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for GBFH)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (46/100 Composite)

🔍 WHY GBFH SCORES 46/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (35% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (28% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$17.09+0.5% Next Q

Q2 (-2Q)

Grade C-$17.17+3.6% Next Q

Q3 (-1Q)

Grade D$17.78-14.4% Next Q

Current

Grade D$15.22-6.1% Hist 90D α

Trajectory: C- (54) → D (46)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a GBFH Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While GBFH currently carries a cautious 46/100 (D) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Company leadership has skin in the game with net positive insider conviction.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($18.49) and Max Pain ($15.98) forces dealer call-delta covering toward $39.90.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-2.36% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $GBFH• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “GBFH Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 46%NO 54%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.4K

Yr 2

$12.2K

Yr 3

$13.0K

Yr 4

$13.9K

Yr 5

$14.8K

Yr 6

$15.8K

Yr 7

$16.9K

Yr 8

$18.1K

Yr 9

$19.3K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring GBFH)

✓Walkthrough of GBFH's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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GBFH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -46.71%▼ DESCENDING CHANNEL

2026-11-02O $17.06H $17.06L $15.22C $15.22VOL 396.7K

RES: $17.77SUP: $11.13SMA50: $18.49SMA200: $26.32

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

GBFH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 GBFH Butterfly Map → + Track GBFH →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

0.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on GBFH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for GBFH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for GBFH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (GBFH)

Financials Rank #799 of 1096 ⚔️ CFBK vs GBFH Full Matrix →

1. Head-to-Head Financials Peer Comparison (GBFH vs. CFBK, MRBK, OPBK, CMTV)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, GBank Financial Holdings Inc. (GBFH) ranks #799 by composite RQD confidence (46/100, grade D) and #870 by equity capitalization ($220.9M). Within this direct 5-issuer industry benchmark cohort, OPBK leads on earnings valuation at 9.0x trailing P/E, while CMTV leads on capital efficiency and profitability with 14.9% ROIC and — gross margin. CMTV currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with GBFH at 46/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
GBFH ACTIVE GBank Financial Holdings Inc.	D	46/100	10.6x	—	12.6%	-10.78%	$220.9M	Benchmark Subject
CFBK CF Bankshares Inc.	C+	68/100	12.7x	—	9.5%	+0.26%	$222.1M	/cfbk-vs-gbfh →
MRBK Meridian Corporation	C	65/100	10.4x	—	10.9%	+0.32%	$226.9M	/mrbk-vs-gbfh →
OPBK OP Bancorp	C+	66/100	9.0x	—	11.2%	+0.98%	$230.6M	/opbk-vs-gbfh →
CMTV Community Bancorp.	B-	70/100	13.9x	—	14.9%	+1.71%	$236.3M	/cmtv-vs-gbfh →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2024–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001791145

In its most recent audited fiscal period (FY2025, filed 2025-12-31), GBank Financial Holdings Inc. (GBFH) reported GAAP revenue of $1.24B (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $20.9M, operating cash flow of $9.6M, and free cash flow of $9.6M (-63.6% YoY). On the balance sheet, GBFH closed FY2025 with $1.36B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.24B	$20.9M	$9.6M	$9.6M	$1.36B	—
FY2024 (FY)	2024-12-31	$0	$18.6M	$26.5M	$26.5M	$1.12B	—

3. GBFH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is GBFH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does GBFH compare to CFBK and MRBK in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for GBFH?

Where is GBFH trading relative to its 50-day, 200-day, and 52-week technical levels?

GBFH last traded at $15.22 (-10.78% on volume of 396,665 shares), positioning the stock -17.69% below its 50-day simple moving average ($18.49) and -42.17% below its 200-day simple moving average ($26.32). Across its 52-week range of $11.51 to $38.00, GBFH sits at the 14.0% percentile with a 14-day RSI of 28.3 (OVERSOLD (<32)) and an implied next-earnings move of ±12.5% ($13.32 to $17.12).

GBFH Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does GBFH pay a dividend and is it safe?

GBank Financial Holdings Inc. (GBFH) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Direct Sub-Reports: GBFH RQD Cockpit GBFH 12M Forecast GBFH Earnings & Move GBFH Dividends & DRIP GBFH Insiders & 13F GBFH Whale Options GBFH Profit Sankey GBFH News & Why