GBFH
Bearish signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Financial indicators Unavailable or mixed. Current ratio 0.24 · operating margin 25% — readings disagree
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
ACHAT TOTAL: 2 500 titres (~50 000,00 $ US)
- Insiders
- Voinovich Michael C
- Total bought
-
$50,000
Avg buy (VWAP, 90d window) $20.93 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
- Last activity
- 2026-09-08
- Last synced
-
2026-09-14 09:51:34
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-08 | Voinovich Michael C | Buy | 2,500 | $20.00 | $50,000 | Form 4 |
| 2026-08-05 | Griege Charles William Jr. | Buy | 25,000 | $21.03 | $525,675 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Bearish signalScored 2026-09-12
GBFH presents a critically weak financial foundation with a current ratio of 0.24, zero operating cash flow, and an interest coverage ratio below 1.0, making near-term insolvency a tangible risk that overwhelms any…
The first sentence of the analysis written for GBFH on 2026-09-12 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 65.8% | 38.2% | 75.8% | 89.5% | 93.4% | |
| Ebit Margin | 24.7% | 41.5% | 22.9% | 31.0% | 37.5% | |
| Ebitda Margin | 30.7% | 41.5% | 35.2% | 44.0% | 49.7% | |
| Operating Profit Margin | 24.7% | 39.8% | 22.9% | 31.0% | 37.5% | |
| Pretax Profit Margin | 24.6% | 39.8% | 22.9% | 31.0% | 37.5% | |
| Continuous Operations Profit Margin | 19.1% | 31.0% | 18.5% | 24.0% | 28.5% | |
| Net Profit Margin | 19.1% | 31.0% | 18.5% | 24.0% | 28.5% | |
| Bottom Line Profit Margin | 19.1% | 31.0% | 18.5% | 24.0% | 28.5% | |
| Current Ratio | 0.235 | 0.215 | 0.130 | 0.250 | 0.475 | |
| Quick Ratio | 0.235 | 0.215 | 0.130 | 0.250 | 0.475 | |
| Solvency Ratio | 0.023 | 0.020 | 0.022 | 0.028 | 0.029 | |
| Cash Ratio | 0.173 | 0.203 | 0.126 | 0.244 | 0.462 | |
| Price To Earnings Ratio | 23.212 | 30.496 | 16.349 | 12.299 | 11.278 | |
| Price To Earnings Growth Ratio | 6.546 | 0.477 | -14.223 | -3.690 | 0.195 | |
| Forward Price To Earnings Growth Ratio | 6.546 | 0.477 | -14.223 | -3.690 | 0.195 | |
| Price To Earnings Diluted Ratio | 23.535 | 30.935 | 16.738 | 12.738 | 11.941 | |
| Price To Earnings Diluted Growth Ratio | 6.543 | 0.472 | 0.000 | -10.827 | 0.243 | |
| Price To Book Ratio | 2.922 | 4.097 | 1.815 | 1.540 | 1.634 | |
| Price To Sales Ratio | 4.419 | 9.586 | 3.030 | 2.954 | 3.217 | |
| Price To Free Cash Flow Ratio | 0.000 | 21.930 | -4.713 | 14.138 | -10.107 | |
| Price To Operating Cash Flow Ratio | 0.000 | 21.770 | -4.754 | 13.680 | -10.196 | |
| Debt To Assets Ratio | 0.024 | 0.027 | 0.067 | 0.043 | 0.045 | |
| Debt To Equity Ratio | 0.195 | 0.220 | 0.625 | 0.333 | 0.367 | |
| Debt To Capital Ratio | 0.163 | 0.180 | 0.385 | 0.250 | 0.268 | |
| Long Term Debt To Capital Ratio | 0.136 | 0.156 | 0.209 | 0.230 | 0.255 | |
| Financial Leverage Ratio | 8.202 | 8.000 | 9.331 | 7.820 | 8.184 | |
| Working Capital Turnover Ratio | -0.162 | -0.104 | -0.108 | -0.132 | -0.152 | |
| Operating Cash Flow Ratio | 0.000 | 0.043 | -0.048 | 0.017 | -0.024 | |
| Operating Cash Flow Sales Ratio | 0.000 | 0.440 | -0.637 | 0.216 | -0.316 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.000 | 0.993 | 1.009 | 0.968 | 1.009 | |
| Debt Service Coverage Ratio | 0.815 | 0.658 | 0.420 | 4.894 | 10.652 | |
| Interest Coverage Ratio | 0.807 | 0.824 | 1.026 | 4.100 | 9.824 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 29.197 | -1.253 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.000 | 0.856 | -0.611 | 0.338 | -0.437 | |
| Capital Expenditure Coverage Ratio | 0.000 | 136.505 | -114.591 | 30.915 | -113.523 | |
| Dividend Paid And Capex Coverage Ratio | 0.000 | 136.505 | -114.591 | 30.915 | -113.523 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 9.462 | 19.348 | 6.860 | 1.312 | -4.432 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 65.8% | ▲27.7% | ▼-6.7% |
| Ebit Margin | 24.7% | ▼-16.8% | ▼-6.8% |
| Ebitda Margin | 30.7% | ▼-10.8% | ▼-9.5% |
| Operating Profit Margin | 24.7% | ▼-15.0% | ▼-6.5% |
| Pretax Profit Margin | 24.6% | ▼-15.2% | ▼-6.6% |
| Continuous Operations Profit Margin | 19.1% | ▼-11.9% | ▼-5.1% |
| Net Profit Margin | 19.1% | ▼-11.9% | ▼-5.1% |
| Bottom Line Profit Margin | 19.1% | ▼-11.9% | ▼-5.1% |
| Current Ratio | 0.235 | ▲0.020 | ▼-0.026 |
| Quick Ratio | 0.235 | ▲0.020 | ▼-0.026 |
| Solvency Ratio | 0.023 | ▲0.003 | ▼-0.001 |
| Cash Ratio | 0.173 | ▼-0.030 | ▼-0.069 |
| Price To Earnings Ratio | 23.212 | ▼-7.284 | ▲4.486 |
| Price To Earnings Growth Ratio | 6.546 | ▲6.069 | ▲8.685 |
| Forward Price To Earnings Growth Ratio | 6.546 | ▲6.069 | ▲8.685 |
| Price To Earnings Diluted Ratio | 23.535 | ▼-7.401 | ▲4.357 |
| Price To Earnings Diluted Growth Ratio | 6.543 | ▲6.070 | ▲7.256 |
| Price To Book Ratio | 2.922 | ▼-1.175 | ▲0.521 |
| Price To Sales Ratio | 4.419 | ▼-5.167 | ▼-0.222 |
| Price To Free Cash Flow Ratio | 0.000 | ▼-21.930 | ▼-4.250 |
| Price To Operating Cash Flow Ratio | 0.000 | ▼-21.770 | ▼-4.100 |
| Debt To Assets Ratio | 0.024 | ▼-0.004 | ▼-0.017 |
| Debt To Equity Ratio | 0.195 | ▼-0.025 | ▼-0.153 |
| Debt To Capital Ratio | 0.163 | ▼-0.017 | ▼-0.086 |
| Long Term Debt To Capital Ratio | 0.136 | ▼-0.020 | ▼-0.061 |
| Financial Leverage Ratio | 8.202 | ▲0.202 | ▼-0.105 |
| Working Capital Turnover Ratio | -0.162 | ▼-0.058 | ▼-0.030 |
| Operating Cash Flow Ratio | 0.000 | ▼-0.043 | ▲0.002 |
| Operating Cash Flow Sales Ratio | 0.000 | ▼-0.440 | ▲0.059 |
| Free Cash Flow Operating Cash Flow Ratio | 0.000 | ▼-0.993 | ▼-0.796 |
| Debt Service Coverage Ratio | 0.815 | ▲0.157 | ▼-2.673 |
| Interest Coverage Ratio | 0.807 | ▼-0.017 | ▼-2.509 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | ▼-29.197 | ▼-5.589 |
| Operating Cash Flow Coverage Ratio | 0.000 | ▼-0.856 | ▼-0.029 |
| Capital Expenditure Coverage Ratio | 0.000 | ▼-136.505 | ▲12.139 |
| Dividend Paid And Capex Coverage Ratio | 0.000 | ▼-136.505 | ▲12.139 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 9.462 | ▼-9.886 | ▲2.952 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $484.4M | $576.5M | $178.7M | $133.6M | $123.9M | |
| Enterprise value | $318.8M | $483.3M | $142.3M | $26.1M | -$84.8M | |
| EV / Sales | 2.91x | 8.04x | 2.41x | 0.58x | -2.20x | |
| EV / Op. cash flow | 0.00x | 18.25x | -3.79x | 2.67x | 6.98x | |
| EV / Free cash flow | 0.00x | 18.39x | -3.75x | 2.76x | 6.92x | |
| EV / EBITDA | 9.46x | 19.35x | 6.86x | 1.31x | -4.43x | |
| Net debt / EBITDA | -4.91x | -3.73x | -1.76x | -5.40x | -10.91x | |
| Current ratio | 0.23x | 0.21x | 0.13x | 0.25x | 0.47x | |
| Income quality | 0.00x | 1.42x | -3.44x | 0.90x | -1.11x | |
| Graham number | $20 | $18 | $12 | $12 | $11 | |
| Graham net-net | -$65 | -$64 | -$57 | -$36 | -$25 | |
| Tax burden | 77.7% | 77.9% | 80.7% | 77.4% | 76.0% | |
| Interest burden | 99.5% | 95.7% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$874.2M | -$479.2M | -$675.1M | -$419.0M | -$268.3M | |
| Invested capital | -$856.6M | -$473.9M | -$661.8M | -$405.8M | -$257.3M | |
| Return on assets | 1.5% | 1.7% | 1.2% | 1.6% | 1.8% | |
| Operating ROA | 2.2% | 2.3% | 1.7% | 2.2% | 2.6% | |
| Return on tangible assets | 1.6% | 1.7% | 1.2% | 1.6% | 1.8% | |
| Return on equity | 12.6% | 13.2% | 11.1% | 12.5% | 14.5% | |
| Return on invested capital | 9.7% | 4.1% | 6.3% | 9.0% | 10.1% | |
| Return on capital employed | 12.5% | 4.6% | 9.5% | 11.7% | 13.3% | |
| Earnings yield | 4.3% | 3.2% | 6.1% | 8.1% | 8.9% | |
| Free cash flow yield | 0.0% | 4.6% | -21.2% | 7.1% | -9.9% | |
| Capex / Op. cash flow | 0.0% | 0.7% | -0.9% | 3.2% | -0.9% | |
| Capex / Depreciation | 0.0% | 3.5% | 4.5% | 5.4% | 2.3% | |
| Capex / Sales | 0.0% | 0.3% | 0.6% | 0.7% | 0.3% | |
| SG&A / Sales | 24.7% | 22.1% | 34.1% | 37.7% | 35.1% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 3.2% | 1.3% | 0.5% | 0.4% | |
| Intangibles / Total assets | 0.8% | 0.0% | 0.8% | 1.4% | 1.3% | |
| Days sales outstanding | 0d | 0d | 0d | 0d | 29d | |
| Days payables outstanding | 0d | 0d | 0d | 228d | 275d | |
| Operating cycle | 0d | 0d | 0d | 0d | 29d | |
| Cash conversion cycle | 0d | 0d | 0d | -228d | -246d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-16.0%EV / Sales ▼-63.8%EV / EBITDA ▼-51.1%EV / Op. cash flow ▼-18.250Earnings yield ▲+0.011Graham number ▲+1.430
Profitability
Return on equity ▼-0.006Return on assets ▼-0.001Return on invested capital ▲+0.056Return on capital employed ▲+0.079Operating ROA ▼-0.002Income quality ▼-1.421Tax burden ▼-0.003
Efficiency
Days sales outstanding n/aDays payables outstanding n/aOperating cycle n/aCash conversion cycle n/aCapex / Sales ▼-0.003R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.020Net debt / EBITDA ▼-1.183Working capital ▼-394929000.000Invested capital ▼-382751000.000Intangibles / Total assets n/a
Change over 5 years
Valuation
Market cap ▲+291.1%EV / Sales ▲+232.1%EV / EBITDA ▲+313.5%EV / Op. cash flow ▼-6.977Earnings yield ▼-0.045Graham number ▲+8.334
Profitability
Return on equity ▼-0.019Return on assets ▼-0.002Return on invested capital ▼-0.004Return on capital employed ▼-0.008Operating ROA ▼-0.005Income quality ▲+1.107Tax burden ▲+0.017
Efficiency
Days sales outstanding ▼-28.826Days payables outstanding ▼-274.573Operating cycle ▼-28.826Cash conversion cycle ▲+245.747Capex / Sales ▼-0.003R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.240Net debt / EBITDA ▲+5.994Working capital ▼-605837713.000Invested capital ▼-599303072.000Intangibles / Total assets ▼-0.005
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent news
- 2026-08-10 Insider Buying: GBank Financial (NASDAQ:GBFH) Director Buys $525,750.00 in Stock GBank Financial Holdings Inc. (NASDAQ: GBFH - Get Free Report) Director Charles William Jr. Griege purchased 25,000 shares of the stock in a transaction on Wednesday, August 5th. The stock was bought at an average price of $21.03 per share, for a total transaction of $525,750.00. Following the completion of the transaction, the director directly owned
- 2026-08-10 GBank Financial Holdings Inc. (NASDAQ:GBFH) Given Consensus Rating of “Moderate Buy” by Analysts GBank Financial Holdings Inc. (NASDAQ: GBFH - Get Free Report) has been given an average recommendation of "Moderate Buy" by the six research firms that are currently covering the company, Marketbeat reports. One analyst has rated the stock with a sell recommendation, one has given a hold recommendation and four have given a buy recommendation to
- 2026-07-30 GBank Financial Holdings Inc. (GBFH) Q2 2026 Earnings Call Transcript GBank Financial Holdings Inc. (GBFH) Q2 2026 Earnings Call Transcript
- 2026-07-29 GBank Financial Holdings Inc. (GBFH) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates While the top- and bottom-line numbers for GBank Financial Holdings Inc. (GBFH) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
- 2026-07-29 GBank Financial Holdings Inc. (GBFH) Q2 Earnings and Revenues Lag Estimates GBank Financial Holdings Inc. (GBFH) came out with quarterly earnings of $0.38 per share, missing the Zacks Consensus Estimate of $0.5 per share. This compares to earnings of $0.33 per share a year ago.
- 2026-07-29 GBank Financial Q2 Earnings Call Highlights GBank Financial NASDAQ: GBFH outlined leadership changes, continued SBA lending growth, pressure on credit quality and gaming-card revenue, and progress in its gaming fintech strategy during its second-quarter 2026 earnings call.
- 2026-07-29 GBank Financial Holdings Inc. Announces Second Quarter 2026 Financial Results LAS VEGAS, July 29, 2026 (GLOBE NEWSWIRE) -- GBank Financial Holdings Inc. (the “Company”) (NASDAQ: GBFH ), the parent company of GBank (the “Bank”), today reported net income of $5.5 million, or $0.38 per diluted share, for the quarter ended June 30, 2026, compared to $1.3 million, or $0.09 per diluted share during the first quarter of 2026, and $4.8 million, or $0.33 per diluted share, for the second quarter of 2025. For the six months ended June 30, 2026, net income was $6.8 million, or $0.47 per diluted share, compared to $9.2 million, or $0.65 per diluted share, for the comparable six-month period of 2025. Excluding the impact of credit card fraud losses recorded during the first quarter of 2026, adjusted net income(1) for the six months ended June 30, 2026 was $10.1 million, or $0.69 adjusted diluted earnings per share(1).
- 2026-07-23 GBank Financial Holdings Inc. is Pleased To Share the Press Release of Bankroll LLC [BVNKROLL] LAS VEGAS, July 23, 2026 (GLOBE NEWSWIRE) -- GBank Financial Holdings Inc. (the "Company") (Nasdaq: GBFH), the parent company for GBank (the "Bank"), is pleased to share the press release of its strategic partner, Bankroll LLC (“BVNKROLL”). On July 22, 2026, BVNKROLL announced a strategic partnership to integrate BVNKROLL''s embedded banking and payments platform into AXES.ai''s Intelligent Management System ecosystem. BVNKROLL, a Nevada-based enterprise payments infrastructure company, is a joint venture between BankCard Services, LLC (“BCS”) and BoltBetz, a strategic partner of the Company. The Company owns a 32.99% non-voting equity interest in BCS.
- 2026-07-21 Is the Options Market Predicting a Spike in GBank Financial Stock? Investors need to pay close attention to GBFH stock based on the movements in the options market lately.
- 2026-07-20 GBank Financial Holdings Inc. Announces Second Quarter 2026 Quarterly Earnings Call Scheduled for Wednesday, July 29th, at 2:00 P.M., Pacific Time LAS VEGAS, July 20, 2026 (GLOBE NEWSWIRE) -- GBank Financial Holdings Inc. (the "Company") (Nasdaq: GBFH), the parent company for GBank (the "Bank"), today announced it plans to release its second quarter 2026 financial results on Wednesday, July 29, 2026 at approximately 1:15 p.