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GBFH

GBank FinancialC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 net income rebounded to $5.5 million from $1.3 million in Q1, and net revenue reached $22.0 million. Stabilizing credit, sustained loan-sale economics, and executed payments launches could support a recovery, but Q3 confirmation is pending.
Posture
Mixed
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-10-28 · AMC.
What can break
Q2 non-performing assets excluding guaranteed portions rose to $23.3 million from $13.2 million, while net interest margin declined to 3.78% from 3.86%. [#SEC-8K-2026-07-29]
Momentum
10
Value
59
Sentiment
57
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $18.00 · Bull $24.00 · Bear $12.00Analysis 2026-10-21; returns require an exact persisted reference.
Earnings
2026-10-28 · AMC
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-21 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $32.00
Why
Momentum10 · Δ7d +0.7
Value59 · Δ7d +2.3
Sentiment57 · Δ7d -33.1
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-28 · AMC.
  • • Value remains the lead driver in the composite, 7D delta +2.3.

Contradictions & invalidation

  • • Q2 non-performing assets excluding guaranteed portions rose to $23.3 million from $13.2 million, while net interest margin declined to 3.78% from 3.86%. [#SEC-8K-2026-07-29]
  • • The September payments roadmap depends on technical integration, client selection, launch execution, and adoption; forecast revenue impact is unverified. Company presentation
  • • Q2 non-performing assets rose, margin compressed, and first-half net income remained below the comparable 2025 period.

Catalyst clock

2026-10-28 · AMC

Q3 results and earnings call on October 28

Lead driver: Value · See fundamentals
Momentum
10
8% active weight
Current posture
7d trendFlat
Δ7d
+0.7
Δ21d
+1.9
Value
59
47% active weight
Current posture
7d trendImproving
Δ7d
+2.3
Δ21d
+3.6
Sentiment
57
45% active weight
Current posture
7d trendSoftening
Δ7d
-33.1
Δ21d
-40.1
Why this grade

Composite grade C. Momentum 9.5 / Value 59.1 / Sentiment 56.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-21. Scenario method

B+
Bull case
25%
Probability
Target price
$24.00
Analysis reference price unavailable
Analysis 2026-10-21 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$18.00
Analysis reference price unavailable
Analysis 2026-10-21 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$12.00
Analysis reference price unavailable
Analysis 2026-10-21 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$252.15M
Beta
-0.24
Shares Out
14.52M
P/E (TTM) · Derived
11.9
P/S (TTM)
-
P/FCF (TTM)
18.05
Rev YoY
+22.9%
EPS YoY
+14.9%
Gross Margin
-
Op Margin
+19.8%
Net Debt
$26.97M
Current Ratio
0.27
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data