Stock fact sheet · data as of
GBank Financial Holdings Inc. (GBFH): fair value, margin of safety and Wheel Score
Ticker symbol GBFH · Financial Services · Banks - Regional · United States · Speculative
Is GBFH undervalued?
At 15.47 (close of 5 Nov 2026), GBFH trades 68% below the GLS average fair value of 47.64. That average comes from 6 models run on the latest filings, and 5 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns GBank Financial Holdings Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between EPV (13.81) and GLS Growth (76.08). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files GBFH under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for GBFH
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 75.43 | +388% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 18.39 | +19% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 71.08 | +359% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 31.07 | +101% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 76.08 | +392% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 13.81 | -11% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -63.71 | -512% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 17.50 | +13% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
GBank Financial Holdings Inc. scores only 2 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 9.0/10 puts GBFH among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.
Returns on capital are moderate - ROIC 10.6%, ROE 12.6%, ROA 1.5% - with debt at 0.19 times equity and negative free cash flow.
GBank Financial Holdings Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 3/10, insider activity 8/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 8 Sep 2026.
| Piotroski F-score | 2 / 9 | ROIC | 10.6% |
|---|---|---|---|
| GLS Moat | 9.0 / 10 | ROE | 12.6% |
| Debt / equity | 0.19 | ROA | 1.5% |
| Free-cash-flow yield | -4.6% | Payout ratio | 0% |
| Institutions | 3 / 10 | Insiders · Congress | 8 · 5 / 10 |
Wheel Score 42: Weak
With a Wheel Score of 42 GBank Financial Holdings Inc. sits in the Weak band. It fails filter 1, options that actually trade - options too quiet (64 open interest, 90 a day); and filter 2, a real business, not a gamble - speculative (a loss, or a weak Piotroski score); and filter 4, financially healthy - Piotroski 2/9 (under 6); and filter 6, no serious red flags - Red Flags score 55 (under 60); and filter 8, big enough - market cap $225M (under $1.0B); Option trading (weak) is its weakest part.
Implied volatility is 64% on the near-the-money contracts 20-60 days out - above the 60% top of the sweet spot. It still passes the 25-80% filter, but the Wheel Score rewards it less because volatility this high usually comes with a reason. Chain open interest is thin - 64 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 121k shares a day on a market cap of $225M, with a beta of -0.05 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (64 open interest, 90 a day) |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 2/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Fails | Red Flags score 55 (under 60) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Fails | market cap $225M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 68% below fair value | |
| Premium | Strong | implied volatility 64% | |
| Moat | Strong | moat 9.0/10 | |
| Health | Weak | Piotroski 2/9 | |
| Red Flags | Weak | Red Flags score 55/100 | |
| Option trading | Weak | 90 contracts a day, 64 open interest | |
| Stability | Fair | beta -0.05, $225M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 27 Jan 2027, 83 days away - outside the window of a 30-45-day put sold today.
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to GBank Financial Holdings Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| MLGF Malaga Financial Corporation | 22.68 | 24.71 | +8% | 24No options | $224M |
| PBNC PB Financial Corporation | 73.00 | 228.09 | +68% | 34No options | $221M |
| MSWV Main Street Financial Services Corp. | 28.00 | 50.31 | +44% | 34No options | $220M |
| OPBK OP Bancorp | 15.40 | 17.62 | +13% | 42Weak | $230M |
| OVBC Ohio Valley Banc Corp. | 49.10 | 52.12 | +6% | 24No options | $231M |
| FXLG FS Bancorp | 53.00 | 104.41 | +49% | 36No options | $217M |
| INBKZ First Internet Bancorp - Fixed- | 25.37 | 95.33 | +73% | 32No options | $233M |
| FOTB First Ottawa Bancshares, Inc. | 241.25 | 793.83 | +70% | 33No options | $233M |
| CZWI Citizens Community Bancorp, Inc. | 24.40 | 27.79 | +12% | 24No options | $234M |
| FCAP First Capital, Inc. | 64.38 | 107.40 | +40% | 36No options | $215M |
| HONT Honat Bancorp, Inc. | 150.00 | 220.02 | +32% | 37No options | $215M |
| KISB Kish Bancorp, Inc. | 70.75 | 116.84 | +39% | 33No options | $214M |
⚖ Compare GBFH with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about GBFH
Is GBFH undervalued right now?
By the GLS models, yes: at 15.47 the stock is 68% below the average fair value of 47.64 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of GBFH and what does it mean?
GBFH scores 42 out of 100 (Weak) - it fails Wheel Trade Filters 1, 2, 4, 6, 8. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for GBFH?
47.64 per share as of 5 Nov 2026 - the simple average of the 6 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does GBank Financial Holdings Inc. report earnings next?
The next earnings report is due on 27 Jan 2027, 83 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does GBFH have listed options, and how liquid are they?
Yes. The nightly snapshot found 30 listed contracts with 64 open interest across all expiries and implied volatility of 64% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.