GBFH GBank Financial Holdings Inc. - Common Stock

NASDAQ · Banking · View on SEC EDGAR ↗
$21.15
Price · Aug 18, 2026
Fundamentals as of Aug 13, 2026
52W Range
$20–$42
7% of range
Analyst Rating
BUY
9 analysts
Price Target
$32
+51% upside
P/E (TTM)
14.7
ROE
13.2%
Net Profit Margin
1.7%

GBFH Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$21.15
Market Cap
$304M
P/E (TTM)
14.7
EPS (TTM)
$1.44
Revenue (TTM)
$1.24B
Div Yield
—
ROE
13.2%
Debt/Equity
0.0
52W Range
$20 – $42

GBFH Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income $1.24B
2025-12-31 → 2025-12-31
EPS $1.44
2-point trend, +3.6%
2024-12-31 → 2025-12-31
Free Cash Flow $9M
2025-12-31 → 2025-12-31
Margins 1.7%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
GBFH
Peer Median
P/E (TTM)
14.7
13.2
P/S (TTM)
0.2
1.6
P/B
1.8
1.2
Price / FCF
33.3
—

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
GBFH
Peer Median
Net Profit Margin
1.7%
18.9%
ROA
1.7%
1.1%
ROE
13.2%
9.5%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
GBFH
Peer Median
Debt / Equity
0.0
717.5

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
GBFH
Peer Median
EPS YoY
2-point trend, +3.6%
3.6%
—
Net Income YoY
2-point trend, +12.3%
12.3%
—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
GBFH
Peer Median
EPS (Diluted)
2-point trend, +3.6%
$1.44
—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
GBFH
Peer Median

GBFH Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 9 analysts
  • Strong Buy 2 22.2%
  • Buy 6 66.7%
  • Hold 1 11.1%
  • Sell 0 0.0%
  • Strong Sell 0 0.0%

12-Month Price Target

3 analysts · 2026-08-15
Median target $35.00 +65.5%
Mean target $32.00 +51.3%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise
-0.13%
Period EPS Actual EPS Est Surprise
June 30, 2026 $0.38 $0.49 -0.11%
March 31, 2026 $0.09 $0.53 -0.44%
Dec. 31, 2025 $0.51 $0.53 -0.02%
Sept. 30, 2025 $0.30 $0.46 -0.16%
June 30, 2025 $0.33 $0.40 -0.07%
March 31, 2025 $0.31 $0.32 -0.01%

Peer comparison (GICS sub-industry) Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
GBFH $488M 23.5 — 1.7% 13.2% —
MYFW $261M 20.0 7.6% 13.6% 5.0% —
CBNA — 11.2 3.8% 36.8% 12.4% —
ISBA $366M 19.5 11.5% 24.1% 8.4% —
OVLY $252M 10.4 6.7% 29.3% 12.2% —
BPRN — 12.8 12.8% — — —
FNRN — — 4.5% 28.7% 10.4% —
CFFI $236M 8.8 10.6% 19.1% 11.0% —
LCNB $233M 10.1 13.3% 25.1% 8.6% —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 9
Annual Income Statement data for GBFH
Metric Trend 2025
Revenue $1.24B
Interest Income $84M
Pretax Income $27M
Income Tax $6M
Net Income $21M
EPS (Basic) $1.46
EPS (Diluted) $1.44
Shares (Basic) 14,292,579
Shares (Diluted) 14,484,059
Balance Sheet 13
Annual Balance Sheet data for GBFH
Metric Trend 2025
PP&E (Net) $1M
PP&E (Gross) $7M
Accum. Depreciation $6M
Total Assets $1.36B
Short-term Debt $371.0K
Total Liabilities $1.19B
Total Debt $371.0K
Common Stock $1.0K
Retained Earnings $85M
AOCI $-17.0K
Stockholders' Equity $166M
Liabilities + Equity $1.36B
Shares Outstanding 14,385,226
Cash Flow 9
Annual Cash Flow data for GBFH
Metric Trend 2025
Deferred Tax $382.0K
Operating Cash Flow $10M
CapEx $496.0K
Investing Cash Flow $-145M
Stock Issued $226.0K
Net Stock Activity $226.0K
Financing Cash Flow $209M
Taxes Paid $4M
Free Cash Flow $9M
Profitability 4
Annual Profitability data for GBFH
Metric Trend 2025
Net Margin 1.7%
Pretax Margin 2.2%
ROA 1.7%
ROE 13.2%
Liquidity & Solvency 1
Annual Liquidity & Solvency data for GBFH
Metric Trend 2025
Debt / Equity 0.0
Efficiency 1
Annual Efficiency data for GBFH
Metric Trend 2025
Asset Turnover 1.0
Per Share 4
Annual Per Share data for GBFH
Metric Trend 2025
Book Value / Share $11.52
Revenue / Share $85.27
Cash Flow / Share $0.67
EPS (TTM) $1.44
Growth Rates 2
Annual Growth Rates data for GBFH
Metric Trend 2025
EPS YoY 3.6%
Net Income YoY 12.3%
Valuation (TTM) 10
Annual Valuation (TTM) data for GBFH
Metric Trend 2025
Revenue TTM $1.24B
Net Income TTM $21M
Market Cap $488M
P/E 23.5
P/S 0.4
P/B 2.9
P / Tangible Book 2.9
P / Cash Flow 50.6
P / FCF 53.3
Earnings Yield 4.2%

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312025-06-302025-03-312024-12-312024-09-30
Revenue $1.24B————
Net Income $21M——$19M—
Diluted EPS $1.44——$1.39—
Balance Sheet
2025-12-312025-06-302025-03-312024-12-312024-09-30
Debt / Equity 0.0————
Cash Flow
2025-12-312025-06-302025-03-312024-12-312024-09-30
Free Cash Flow $9M————

Latest News Recent headlines mentioning this company

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Institutional owners (13F) 87 filers · $102.2M total · As of June 30, 2026

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
24 (+10 vs prior Q) 3 (-5 vs prior Q) 27 (+7 vs prior Q) 17 (0 vs prior Q) +711K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
VANGUARD GROUP INC $15,811,888 466,565 15.47% Shares
VANGUARD CAPITAL MANAGEMENT LLC $12,784,819 421,802 12.51% Shares
Arista Wealth Management, LLC $8,950,422 295,296 8.76% Shares
CHAPIN DAVIS, INC. $7,044,804 232,425 6.89% Shares
GEODE CAPITAL MANAGEMENT, LLC $6,324,854 208,622 6.19% Shares
STATE STREET CORP $6,177,451 203,809 6.04% Shares
Cannell & Spears LLC $6,126,409 202,125 5.99% Shares
RVW Wealth, LLC $3,607,587 119,023 3.53% Shares
EMERALD MUTUAL FUND ADVISERS TRUST $3,576,580 118,000 3.50% Shares
KENNEDY CAPITAL MANAGEMENT LLC $3,535,267 116,637 3.46% Shares
Quantinno Capital Management LP $2,363,271 77,970 2.31% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $2,348,298 77,476 2.30% Shares
AQR CAPITAL MANAGEMENT LLC $2,282,828 75,316 2.23% Shares
HighTower Advisors, LLC $2,129,550 70,259 2.08% Shares
VANGUARD FIDUCIARY TRUST CO $2,007,249 66,224 1.96% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $1,996,398 65,866 1.95% Shares
SUSQUEHANNA INTERNATIONAL GROUP, LLP $1,700,421 56,101 1.66% Shares
Pacific Ridge Capital Partners, LLC $1,412,507 46,602 1.38% Shares
T3 Companies, LLC $1,188,152 39,200 1.16% Shares
MILLENNIUM MANAGEMENT LLC $1,178,392 38,878 1.15% Shares
EMERALD ADVISERS, LLC $885,870 29,227 0.87% Shares
Squarepoint Ops LLC $758,659 25,030 0.74% Shares
D. E. Shaw & Co., Inc. $617,142 20,361 0.60% Shares
Sequoia Financial Advisors, LLC $605,837 19,988 0.59% Shares
XTX Topco Ltd $503,328 16,606 0.49% Shares
Numerai GP LLC $502,752 16,587 0.49% Shares
Focus Partners Wealth $416,338 13,736 0.41% Shares
CITADEL ADVISORS LLC $405,366 13,374 0.40% Shares
AMERICAN CENTURY COMPANIES INC $371,904 12,270 0.36% Shares
CORSAIR CAPITAL MANAGEMENT, L.P. $349,414 11,528 0.34% Shares
DIMENSIONAL FUND ADVISORS LP $333,743 11,011 0.33% Shares
Quadrature Capital Ltd $316,861 10,454 0.31% Shares
JANE STREET GROUP, LLC $266,031 8,777 0.26% Shares
WELLS FARGO & COMPANY/MN $261,515 8,628 0.26% Shares
Bank of New York Mellon Corp $260,090 8,581 0.25% Shares
BANK OF AMERICA CORP /DE/ $258,908 8,542 0.25% Shares
Vident Advisory, LLC $247,208 8,156 0.24% Shares
Pekin Hardy Strauss, Inc. $231,871 7,650 0.23% Shares
GOLDMAN SACHS GROUP INC $226,234 7,464 0.22% Shares
RHUMBLINE ADVISERS $188,130 6,207 0.18% Shares
MetLife Investment Management, LLC $171,524 5,659 0.17% Shares
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. $133,425 4,402 0.13% Shares
INVESTMENT COUNSEL CO OF NEVADA $129,727 4,280 0.13% Shares
CITIGROUP INC $126,120 4,161 0.12% Shares
Police & Firemen's Retirement System of New Jersey $107,237 3,538 0.10% Shares
Nuveen, LLC $99,629 3,287 0.10% Shares
BlackRock, Inc. $97,719 3,224 0.10% Shares
Vanguard Global Advisers, LLC $95,052 3,136 0.09% Shares
SIMPLEX TRADING, LLC $92,051 3,037 0.09% Shares
NEW YORK STATE COMMON RETIREMENT FUND $87,899 2,900 0.09% Shares
BARCLAYS PLC $73,683 2,431 0.07% Shares
Integrated Wealth Concepts LLC $71,834 2,370 0.07% Shares
MERCER GLOBAL ADVISORS INC /ADV $51,527 1,700 0.05% Shares
BNP PARIBAS FINANCIAL MARKETS $51,072 1,685 0.05% Shares
NORTHERN TRUST CORP $45,556 1,503 0.04% Shares
Tower Research Capital LLC (TRC) $42,767 1,411 0.04% Shares
Arax Advisory Partners $41,101 1,356 0.04% Shares
Legal & General Group Plc $29,855 985 0.03% Shares
Ameritas Investment Partners, Inc. $27,855 919 0.03% Shares
JONES FINANCIAL COMPANIES LLLP $14,736 480 0.01% Shares
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM $13,032 487 0.01% Shares
ROYAL BANK OF CANADA $8,000 279 0.01% Shares
Russell Investments Group, Ltd. $5,941 196 0.01% Shares
DEUTSCHE BANK AG\ $5,729 189 0.01% Shares
JPMORGAN CHASE & CO $4,639 152 0.00% Shares
MORGAN STANLEY $3,849 127 0.00% Shares
Essential Partners LLC $3,849 127 0.00% Shares
FMR LLC $3,758 124 0.00% Shares
Allworth Financial LP $3,729 123 0.00% Shares
CWM, LLC $2,970 111 0.00% Shares
IFP Advisors, Inc $2,243 74 0.00% Shares
UBS Group AG $1,910 63 0.00% Shares
UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC $1,686 63 0.00% Shares
Sterling Capital Management LLC $1,031 34 0.00% Shares
Farther Finance Advisors, LLC $819 27 0.00% Shares
True Wealth Design, LLC $789 26 0.00% Shares
ROTHSCHILD INVESTMENT LLC $667 22 0.00% Shares
FNY Investment Advisers, LLC $609 20,100 0.00% Shares
Fortitude Family Office, LLC $485 16 0.00% Shares
SJS Investment Consulting Inc. $334 11 0.00% Shares
GAMMA Investing LLC $303 10 0.00% Shares
PRICE T ROWE ASSOCIATES INC /MD/ $238 7,831 0.00% Shares
EverSource Wealth Advisors, LLC $152 5 0.00% Shares
Clearstead Advisors, LLC $122 4 0.00% Shares
Hughes Financial Services, LLC $30 1 0.00% Shares
State of Alaska, Department of Revenue $22 738 0.00% Shares
FNY Investment Advisers, LLC $0 20 0.00% Call option

Company insiders 11 insiders · 5 officers · 4 directors

Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Jeffery Ernest Whicker EVP/CFO (GBank) March 4, 2026 M 41,450 0 2 $-961,599
Tara Allyce Campbell EVP/COO of GBank Feb. 26, 2026 M 21,399 0 3 $-357,573
Scot Michael Levine EVP, CRO (GBank) Dec. 18, 2025 A 5,500 0 0 $0
Nancy M Decou EVP/Chief SBA Officer (GBank) Dec. 18, 2025 A 27,101 0 0 $0
David Jon Fersdahl EVP/Card & Payments (GBank) Aug. 5, 2025 S 1,867 0 0 $0
Kathryn S Lever Director July 7, 2026 A 45,661 0 0 $0
James K Sims Director July 7, 2026 A 10,780 0 0 $0
William Hornbuckle Director July 7, 2026 A 28,184 0 0 $0
Michael C Voinovich Director July 2, 2025 A 76,278 0 0 $0
Timothy P Herbst — Aug. 4, 2026 P 327,126 1 0 $215,000
Jeffrey K Newgard — Aug. 4, 2026 P 21,661 4 0 $698,977

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

Activists & 5%+ owners 2 positions

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
Finley Alfred Lee, Finley Susan, ALF Operating Partners, Ltd. May 5, 2025 11.80% Initial filing Passive investment SEC
Edward M. Nigro, 2000 Universal Holdings LLC, 1990 Sovereign Holdings LLC May 5, 2025 8.10% Initial filing Passive investment SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

ETF ownership Held by 21 ETFs

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
IWC · iShares Trust 0.05% 33,049 SH Aug. 8, 2026 Daily
GSSC · Goldman Sachs ETF Trust 0.02% 8,114 NS May 31, 2026 N-PORT
VTWG · VANGUARD SCOTTSDALE FUNDS 0.02% 10,292 SH Aug. 8, 2026 Daily
IWO · iShares Trust 0.01% 89,084 SH Aug. 8, 2026 Daily
AVSC · AMERICAN CENTURY ETF TRUST 0.01% 11,270 NS May 31, 2026 N-PORT
VTWO · VANGUARD SCOTTSDALE FUNDS 0.01% 54,989 SH Aug. 8, 2026 Daily
RSSL · Global X Funds 0.01% 3,958 NS April 30, 2026 N-PORT
ITWO · ProShares Trust 0.01% 424 NS May 31, 2026 N-PORT
IWM · iShares Trust 0.01% 235,478 SH Aug. 8, 2026 Daily
OMFS · Invesco Exchange-Traded Self-Indexe… 0.01% 837 SH Aug. 8, 2026 Daily
SCHA · SCHWAB STRATEGIC TRUST 0.01% 43,452 NS May 31, 2026 N-PORT
UWM · ProShares Trust 0.00% 331 NS May 31, 2026 N-PORT
URTY · ProShares Trust 0.00% 339 NS May 31, 2026 N-PORT
MSSM · MORGAN STANLEY PATHWAY FUNDS 0.00% 379 NS May 31, 2026 N-PORT
HDG · ProShares Trust 0.00% 8 NS May 31, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.00% 782 NS April 30, 2026 N-PORT
SCHB · SCHWAB STRATEGIC TRUST 0.00% 5,200 NS May 31, 2026 N-PORT
DFAS · Dimensional ETF Trust 0.00% 1,549 NS April 30, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 109,075 SH Aug. 8, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 303,078 SH Aug. 8, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 585 SH Aug. 8, 2026 Daily