GBFH · NASDAQ · Banks - Regional

GBank Financial (GBFH)

Combines local commercial banking with national SBA/USDA lending and gaming-linked payment programs.

$19.91
At close+0.48 (+2.47%)
Loading prices…

GBank Financial Holdings Inc.GBFHFinancials

Runs a Las Vegas commercial-bank base while originating and servicing SBA/USDA-guaranteed loans nationally. Gaming FinTech, prepaid access programs, and the GBank Visa Signature Card connect the bank to gaming and sports-betting payment flows.

Operates through wholly owned GBank, a Nevada state-chartered, FDIC-insured bank. The core menu spans commercial deposits, business loans, cash management, SBA and USDA government-guaranteed lending, Gaming FinTech programs, and the GBank Visa Signature Card.

Keeps a local banking base in Las Vegas while national SBA/USDA origination, sales, and servicing reach more than 40 states. Gaming/payment products use relationships with BankCard Services and other partners for prepaid access programs, FDIC-insured player accounts, and app-load activity tied to gaming and sports entertainment.

Reports all operations as one segment. The business depends on bank regulation, SBA Preferred Lender status, Nevada and Las Vegas credit conditions, partner oversight in gaming payments, and related-party governance around BankCard Services.

Company facts

CEOEdward M. Nigro
ListedApr 30, 2025
ExchangeNASDAQ
HeadquartersLas Vegas, NV
CountryUnited States
Employees184
CIK0001791145
ISINUS36166F1003

Market cap$287.1M
EPS (ttm)$1.28
P/E (ttm)15.49
ROE11.1%
P/B1.66
P/S2.71
Dividend yieldDiv yield
Beta0.37vs XLF 1.00

No analyst consensus on record.

Next report
Oct 27, 2026
in 54 days
EPS estimate
$0.44
Revenue estimate
$22.8M
Fiscal quarter
Q3 FY26

EPSReportedEstimate

Jan '25Apr '25Jul '25Oct '25Jan '26Apr '26Jul '26Oct '26
Reported$0.36$0.31$0.33$0.44$0.52$0.31$0.38Pending
Estimate$0.32$0.31$0.39$0.45$0.50$0.50$0.48$0.44
Surprise+12.5%0.0%−15.4%−2.2%+3.4%−38.0%−21.4%

RevenueReportedEstimate

Jan '25Apr '25Jul '25Oct '25Jan '26Apr '26Jul '26Oct '26
Reported$16.2M$24.5M$25.6M$28.2M$20.7M$19.6M$22.0MPending
Estimate$20.5M$22.1M$21.8M$22.8M
Surprise+1.1%−11.1%+0.7%
Estimate$0.44
ReportedDue Oct 27, 2026
Estimate$22.8M
ReportedDue Oct 27, 2026
View details

Debt to equity20.70%
Current ratio125.00%

ProfitabilityRevenueNet incomeNet margin

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Revenue$23.2M$16.2M$24.5M$25.6M$28.2M$30.0M$28.6M$19.1M
Net income$5.0M$5.2M$4.5M$4.8M$4.3M$7.4M$1.3M$5.5M
Net margin21.6%32.4%18.3%18.6%15.3%24.7%4.6%28.6%

GrowthOperating income

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Operating income$6.5M$6.5M$5.7M$6.2M$5.6M$9.4M$1.5M$8.8M
YoY growth+184.7%+50.6%+18.3%+2.5%−14.4%+45.3%−74.5%+41.8%

Balance sheet, Jun 30, 2026Cash & short-term investments $6.7M · Total debt $35.7M · Total assets $1.43B · Shareholders' equity $172.8M

Revenue
$19.1M
Operating income
$8.8M
Net income
$5.5M
View details

No dividends on record.

Institutions69 holders · as of Mar 31, 202624.71%3.58M shares
Insiders22 holders · as of Aug 7, 202638.03%5.50M shares
Otherremainder37.26%5.39M shares

14.47M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesEvidence
Alfred Lee Finley1Insiderdirector, 10 percent owner
11.41%1.68M13Dfiled Jan 7, 2026
Edward Michael Nigro2Insiderdirector, officer: CEO and Executive Chairman
7.98%1.16M13Dfiled Aug 5, 2026
BlackRock, Inc.Institution
4.27%617,32213Fas of Mar 31, 2026
Alan Curtis SklarInsiderdirector
3.54%512,567Form 4filed Oct 3, 2025
Charles William Jr. GriegeInsiderdirector
3.54%511,681Form 4filed Aug 7, 2026
See all 25
  1. Alfred Lee Finley's transaction reports restate only vehicles that traded; the 2025 ownership statement (1.68M) less the 30.9K net shares sold since is used instead.
  2. Edward Michael Nigro's transaction reports restate only vehicles that traded; the 2025 ownership statement (1.16M) less the 4.2K net shares sold since is used instead.

13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more · Form 4 — an insider's transaction report

Insider tradesForm 4

DateInsiderRoleSharesAvg price
Aug 5, 2026Charles William Jr. Griegedirector+25,000$21.03
Aug 3, 2026Jeffrey K. Newgardofficer: President/CEO (GBank)+19,198$21.75
Aug 4, 2026Jeffrey K. Newgardofficer: President/CEO (GBank)+13,065$21.54
Aug 4, 2026Timothy P. Herbstdirector+10,000$21.50
Aug 4, 2026Edward Michael Nigrodirector, officer: CEO and Executive Chairman+9,200$21.51
View details

  • Live Oak Bancshares

    National SBA 7(a) benchmark for small-business lending

  • Western Alliance

    Southwest commercial-bank rival with Nevada and Arizona depth

  • Pathward Financial

    Prepaid and payment-sponsor bank with national partner programs

  • NewtekOne

    SBA and SMB-services lender with banking and payments lines

  • The Bancorp

    Fintech sponsor bank for prepaid, debit, credit, and ACH programs

  • Zions Bancorporation

    Western-state commercial bank with Nevada, Utah, Arizona, and SBA overlap

  • FinWise Bancorp

    Smaller sponsor-bank and SBA lender with strategic-program loans

  • Glacier Bancorp

    Mountain West community-bank peer across Nevada, Utah, and Arizona

Compare

CompanyPriceChange
GBank Financial$19.91+2.47%$287.1M15.59.72.7−14.3%
Live Oak Bancshares$39.510.00%$1.83B13.910.91.7+10.0%
Western Alliance$77.92−1.59%$8.64B8.97.61.7+17.7%
Pathward Financial$81.81+1.83%$1.73B10.38.72.2−3.1%
NewtekOne$12.10+3.77%$349.0M5.16.01.0−15.0%
The Bancorp$67.18+1.10%$2.77B12.59.63.7−24.0%
Zions Bancorporation$67.74−0.47%$9.93B8.710.41.9+4.8%
FinWise Bancorp$14.02−0.57%$193.0M14.717.41.0+116.8%
Glacier Bancorp$46.91+1.10%$6.04B18.813.83.9+36.8%
Median11.410.01.8+7.4%