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GBFH

๐Ÿฆ Financial Services

GBank Financial Holdings Inc.

Conservative #904Aggressive #1118Low RiskMLโ†‘ 25pt
$30.21-3.73%
Day High$31.20
Day Low$29.60
Volume0.1M
Mkt Cap$434M
52W Low $2752W High $45
Market Cap
$457M
P/E Ratio
22.6
Sector avg: 26.8
Rev Growth
82.3%
Sector avg: 13.4%
Earnings Growth
12.3%
Profit Margin
19.3%
Sector avg: -2.8%
Debt/Equity
0.23

Why This Score

GBFH scores 38.7 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Low volatility (5.2% annualized) โ€” well-suited for risk-averse portfolios.
Risk Factors
  • Liquidity concern: Limited trading volume or float results in a 15-point penalty for execution risk.
  • Signal divergence: Fundamental and ML signals disagree by a significant margin, reducing confidence.

Net penalties of -17.2 points significantly impact the ranking. Without these adjustments, GBFH would rank considerably higher.

Score Breakdown

Overall Score38.7
Fundamental Score58.8
ML Score29.0

Score by Horizon

3 Month
51.3
6 Month
57.4
Primary
1 Year
60.4

Quality Assessment

C
Quality Grade
Average quality โ€” moderate profitability or leverage

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
0
Declining
Sentiment (2.5%)
60
Positive
Analyst (6.4%)
75
Favorable
Tradability (post-hoc)
20
Grade Dlow volume, low dollar volume
Base
37.8
SHAP
+2.4
Factors
+0.7
Divergence
-2.2
Final
38.7
Positive adjustment
Negative adjustment
Base blend
Final score

Factor Breakdown

59AVG
Value68
Quality48
Growth79
Stability82
Investment17

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)70.0
Technical (Momentum, Weinstein, Volatility)55.0
External (Sentiment, Analyst, Macro)84.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
-4.2% to +0.1%
Medium-term
-6.2% to +0.2%
Long-term
-8.2% to +0.4%

ML Model Core Features100 trained inputs โ†’ ML Score: 29

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score75.0/100
Target Upside+40.5%
Coverage1 analysts
Market Sentiment
Sentiment Score60.2/100
News Volume1 articles
Technical Stage
Weinstein Stage4 โ€” Declining
12M Momentum-0.1%
6M Momentum-0.2%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration+5.3%
Momentum ConsistencyModerate (0.65)
Relative Strength vs Sector-18.9%
Trend Strength (ADX Proxy)Moderate (1.9)
Momentum Quality-0.082
Momentum BreadthNarrow
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
0%
Low risk
Sector RevGr Rank
P98
Revenue growth vs Financial Services peers
Sector PE Rank
P24
Valuation vs Financial Services peers
Sector FCF Rank
P9
Free cash flow vs Financial Services peers
Growth Deviation
+1.2ฯƒ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 59 relative to sector peers59/100
Machine learning ensemble ranks this stock at the 29th percentileP29
Blended score: 80% fundamental (59) + 20% ML (29) = 52.852.8
Risk assessment: low. Low vol 0.1%; Drawdown 19% โ†’ 0.0ptLow
Earnings quality grade C: mixed earnings quality, some red flags. Score adjusted by 0 pointsGrade C
SHAP feature alignment: +2.4pt (features align with model priorities)SHAP
Divergence penalty: -2.2pt (ML 30pt lower)Divergence
Risk Factors
Liquidity penalty: -15.0pt (grade D)Liquidity

Sector Peer Comparison(Financial Services โ€” Rank #250 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
GBFH38.722.682.3%19.3%$457M
CME86.427.29.9%57.5%$114.0B
FHB84.911.83.2%24.2%$3.1B
ACT84.58.92.4%54.6%$6.1B
CINF84.210.711.4%18.9%$25.4B
SEIC82.214.010.7%27.3%$9.9B
TROW79.910.13.1%28.5%$20.5B
QQQX79.710.448.6%257.3%$1.4B
IBOC78.210.67.5%40.1%$4.2B
HWC77.812.2-1.5%24.1%$5.6B
FFIN77.518.811.7%30.7%$4.7B
TRMK77.111.934.8%19.3%$2.6B
NMIH77.17.78.4%55.1%$3.0B
EWBC76.712.74.6%28.3%$15.3B
WSFS76.312.8-3.1%21.1%$3.5B
MCHB76.1N/A123.7%23.2%$3.1B
Sector Average47.526.813.4%-2.8%โ€”

Market Sentimentvia FMP

Analyst Consensus
Buy1 analysts
Buy: 1
Price Target
$44consensus
Low $44Median $44High $44
+45.6% to consensus target

Company Overviewvia FMP

GBank Financial Holdings Inc. operates as a bank holding company for Bank of George that provides banking products and services in Nevada. The company offers business and personal checking accounts. It also provides personal saving services, including money market accounts, certificates of deposit, and personal savings accounts; and business savings, which includes business money market accounts, business certificates of deposit, and business savings accounts. In addition, it offers personal and small business administration loans; and business loans, including commercial real estate loans, business lines of credit, equipment loans, term loans, accounts receivable/inventory financing, and medical/professional loans. Further, the company provides online and mobile banking services, and other personal and business account services. GBank Financial Holdings Inc. was founded in 2007 and is based in Las Vegas, Nevada.

CEO
Edward Nigro
Employees
175
Beta
-0.24
Industry
Banks - Regional
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
20.6
Oversold
Trend
Bearish
10-day vs 50-day MA
From 52W High
-32.9%
High: $45
From 52W Low
+10.7%
Low: $27.3
Moving Averages
10-Day
$32.10
Below
20-Day
$32.80
Below
50-Day
$33.30
Below
200-Day
$37.10
Below
60-Day Support
$29.6
60-Day Resistance
$38
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 4 โ€” DecliningScore: 17/100

Stock is in a downtrend below the 200-day moving average. Price is below both the 50-day and 200-day SMAs, indicating sustained selling pressure.

Unfavorable technical position; wait for Stage 1 basing
Price vs 200 SMA
-18.6%
200 SMA Slope (60d)
-2.13%
Falling
Volume Ratio
0.9x
10d avg vs 50d avg
Days in Stage
83
Confidence: 90%

Entry & Exit Zones

Avoid
No Entry
โ€”
No entry โ€” active downtrend
Exit Target
โ€”
Exit position if held
Stop Level
โ€”
No stop โ€” exit recommended

Stage 4 downtrend โ€” price is below both SMA50 and SMA200 with a declining 200-day average. Capital preservation takes priority. Do not buy into a downtrend.

Technical zones only โ€” derived from moving averages and price structure. Not financial advice. Past technical patterns do not guarantee future performance.

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$30M$28M$26M$24M
Gross Profit$21M$17M$16M$16M
Operating Income$9M$6M$6M$6M
Net Income$7M$4M$5M$4M
EPS (Diluted)$0.51$0.30$0.33$0.31
Gross Margin69.7%61.6%63.8%66.4%
Operating Margin31.4%19.8%24.4%23.3%
Net Margin24.7%15.3%18.6%18.3%

Why This Stock

Financial ServicesP/E ratio of 22.6Revenue growth 82.3%Profit margin 19.3%

Tradability FilterGrade D โ€” 20/100Score impact: +5.8pt

Low Tradability Warning

This stock has limited trading volume and/or float. Institutional investors may face difficulty entering or exiting positions without significant price impact. A post-hoc penalty has been applied to the composite score (this is not a backtested model factor โ€” it is a practical tradability overlay).

Volume
2
57K avg/day
Dollar Vol
10
$2M/day
Float
20
0K shares
Mkt Cap
25
$457M
Range
92
65% spread
Composite Liquidity Score20/100
FDCBA
low volumelow dollar volumesmall cap

Multi-Year Range Analysis

Sideways: 6/100
YearLowHighRangeStatus
2021$7.80$11.3036.6%Wide
2022$9.06$11.8826.9%Moderate
2023$9.80$14.2537%Wide
2024$13.28$46.00110.4%Wide
2025$27.30$45.0049%Wide
3-Year Range
129.7%
Narrow Years
1 / 5
Sideways Penalty
None

Growth Projection Adjustment

0.7x dampening
weinstein basing

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
0.0%
Outstanding Shares
0M
Bid-Ask Spread
65.0%
Institutional Tradable
No

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.