RISK WATCHSeekingAlpha • 1d ago
GBank Financial Holdings' Tough Quarter Necessitates A DowngradeGBank Financial Holdings faces a sell call on weak earnings, rising bad assets, and rich valuation.
Why GBFH Stock dropped -10.78% Today — RQD Quant Desk Flash
$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 48/100 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.
ROARABLE D • SELL / AVOID
Cap $220.9M
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Is GBFH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-01, GBank Financial Holdings Inc. (NASDAQ: GBFH) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 48/100 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 8/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, GBFH ranks #895 in composite RQD confidence.
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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 (48/100 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 (63/100 RQD, P/E 12.7x, ROIC 9.5%, cap $222.1M) and MRBK (Meridian Corporation) posts a B grade (73/100 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.
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INTERACTIVE SCENARIO DECK:
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 (48/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.6% 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-4.5% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for GBFH)Realized 20D OHLCV Swing Band: ±12.5%
Deterministic 5-Pillar Attribution (48/100 Composite)
🔍 WHY GBFH SCORES 48/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (33% 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 (27% 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$17.31+1.2% Next Q
56
Q2 (-2Q)Grade C-$17.52-0.9% Next Q
53
Q3 (-1Q)Grade C-$17.37-12.4% Next Q
51
CurrentGrade D$15.22-5.6% Hist 90D α
48
Trajectory: C (56) → D (48)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
While GBFH currently carries a cautious 48/100 (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 ($18.61) 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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why GBFH Stock dropped -10.78% Today — RQD Quant Desk Flash
GBank Financial Holdings Inc. (GBFH) dropped -10.78% to $15.22, trading at 14% of its 52-week range ($11.51 – $38). Stretched risk/reward at 11x P/E (13% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 14% of its 52-week range ($11.51 – $38) with RSI-14 at 27.5 (OVERSOLD (<32)).
- ▸Volatility Profile: Historical 20-day realized swing band of ±12.5% around $15.22 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D (Sell) backed by 52% gross margin and $9.6M annual free cash flow.
Live GBFH Headlines & Catalysts
RISK WATCHYahoo • 3d ago
Analysts slash GBank Financial price targets following third-quarter missInvesting.com -- Shares of GBank Financial Holdings Inc (NASDAQ:GBFH) plunged 22% on Thursday after the Las Vegas-based lender posted a third-quarter earnings miss driven by a sharp drop in gaming card transaction volume
MARKET WIREYahoo • 3d ago
GBank Financial Holdings Inc. Q3 2026 Earnings Call SummaryMoby summary of GBank Financial Holdings Inc.'s Q3 2026 earnings call
MARKET WIREBenzinga • 3d ago
Jones Trading Maintains Buy on GBank Financial Holdings, Lowers Price Target to $25Jones Trading analyst Matthew Erdner maintains GBank Financial Holdings (NASDAQ:GBFH) with a Buy and lowers the price target from $35 to $25.
MARKET WIREYahoo • 3d ago
What GBank Financial (GBFH) Said on Its Q3 Earnings CallGBank Financial (NASDAQ:GBFH) used its third-quarter 2026 earnings call to outline a leadership transition, discuss pressure on recent earnings and credit costs, and detail its strategy for expanding commercial banking,
MARKET WIREYahoo • 3d ago
GBank Financial Holdings (GBFH) Q3 2026 Earnings Call TranscriptNewgard takes helm as gaming FinTech initiatives shift toward launch phase.
MARKET WIRESeekingAlpha • 3d ago
GBank Financial Holdings Inc. (GBFH) Q3 2026 Earnings Call TranscriptGBank Financial Holdings Inc. (GBFH) Q3 2026 Earnings Call October 28, 2026 5:00 PM EDTCompany ParticipantsEdward NigroJeffrey Newgard - President, CEO,...
MARKET WIREBenzinga • 3d ago
GBank Financial (GBFH) Shares Tumble 30% in After-Hours Trading: Here's WhyGBank Financial shares fell after hours as quarterly earnings declined amid lower interchange income.
RISK WATCHChartMill • 4d ago
GBank Financial Holdings (NASDAQ:GBFH) Shares Plunge on Q3 Earnings MissGBank Q3 2026 adjusted EPS of $0.30 missed the $0.442 estimate; net revenue beat at $20.3M, yet shares fell sharply about 30% after hours on the earnings miss.
RISK WATCHYahoo • 4d ago
GBank Financial Holdings Inc. (GBFH) Q3 Earnings and Revenues Miss EstimatesGBank Financial Holdings Inc. (GBFH) delivered earnings and revenue surprises of -31.82% and -7.55%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
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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
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GBFH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -48.32%▼ DESCENDING CHANNEL
2026-10-30O $14.93H $15.33L $14.71C $15.22VOL 141.7K
RES: $17.50SUP: $11.51SMA50: $18.61SMA200: $26.41
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
GBFH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
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 #895 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 #895 by composite RQD confidence (48/100, 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. MRBK currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with GBFH at 48/100 (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 | 48/100 | 10.6x | — | 12.6% | -10.78% | $220.9M | Benchmark Subject |
| CFBK CF Bankshares Inc. | C | 63/100 | 12.7x | — | 9.5% | +0.26% | $222.1M | /cfbk-vs-gbfh → |
| MRBK Meridian Corporation | B | 73/100 | 10.4x | — | 10.9% | +0.32% | $226.9M | /mrbk-vs-gbfh → |
| OPBK OP Bancorp | C- | 61/100 | 9.0x | — | 11.2% | +0.98% | $230.6M | /opbk-vs-gbfh → |
| CMTV Community Bancorp. | C+ | 69/100 | 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 0001791145In 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 ENABLEDIs GBFH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-01, GBank Financial Holdings Inc. (NASDAQ: GBFH) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 48/100 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 8/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, GBFH ranks #895 in composite RQD confidence.
How does GBFH compare to CFBK and MRBK in the Financials sector?
Within the Financials sector (Major Banks), GBFH carries a Roarable D (48/100 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 (63/100 RQD, P/E 12.7x, ROIC 9.5%, cap $222.1M) and MRBK (Meridian Corporation) posts a B grade (73/100 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).
What are the biggest fundamental strengths and SEC risk factors for GBFH?
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.
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 -18.22% below its 50-day simple moving average ($18.61) and -42.37% below its 200-day simple moving average ($26.41). Across its 52-week range of $11.51 to $38.00, GBFH sits at the 14.0% percentile with a 14-day RSI of 27.5 (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 × FREDWhy is GBFH stock moving today?
Why GBFH Stock dropped -10.78% Today — RQD Quant Desk Flash. Stretched risk/reward at 11x P/E (13% return on capital) under elevated 10-year interest-rate pressure.