Stock fact sheet · data as of
GBank Financial Holdings Inc. (GBFH): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Growth
Is GBFH undervalued?
At 17.75 (close of 16 Oct 2026), GBFH trades 64% below the GLS average fair value of 49.42. 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 (14.22) and DCF (80.21). 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 High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
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 | 80.21 | +352% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 18.56 | +5% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 73.19 | +312% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 31.99 | +80% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 78.34 | +341% | 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 | 14.22 | -20% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -63.71 | -459% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 35.00 | +97% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
GBank Financial Holdings Inc. scores only 4 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. 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. On durability GBFH scores 5.6/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
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.
| Piotroski F-score | 4 / 9 | ROIC | 10.6% |
|---|---|---|---|
| GLS Moat | 5.6 / 10 | ROE | 12.6% |
| Debt / equity | 0.19 | ROA | 1.5% |
| Free-cash-flow yield | -8.7% | Payout ratio | 0% |
| Institutions | 3 / 10 | Insiders · Congress | 8 · 5 / 10 |
Wheel Score 68: Good
With a Wheel Score of 68 - the Good band - GBank Financial Holdings Inc. falls just short of the Sunday Scan's "70 or higher" rule. The parts: Value 25/25, Health 9/20, Moat 8/15, Premium 20/20, Stability 6/20; Stability (6/20) scores lowest.
Implied volatility is 58% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is 3,907 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 93k shares a day on a market cap of $258M, 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 gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 64% margin of safety | |
| Health | 9 / 20 | Piotroski 4/9 | |
| Moat | 8 / 15 | moat 5.6/10 | |
| Premium | 20 / 20 | implied volatility 58% | |
| Stability | 6 / 20 | 93k shares/day, $258M cap, beta -0.05 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
GBank Financial Holdings Inc. reports earnings on 27 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
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 |
|---|---|---|---|---|---|
| FFBB FFB Bancorp | 88.30 | 171.67 | +49% | 39No options | $253M |
| HWBK Hawthorn Bancshares, Inc. | 38.12 | 53.34 | +29% | 39No options | $263M |
| FFMH First Farmers and Merchants Corporation | 63.68 | 78.46 | +19% | 39No options | $252M |
| FBLA FB Bancorp, Inc. Common Stock | 16.60 | 29.69 | +44% | 39No options | $265M |
| EXSR Exchange Bank (Santa Rosa, CA) | 155.00 | 208.63 | +26% | 39No options | $266M |
| FXNC First National Corporation | 29.42 | 36.80 | +20% | 39No options | $266M |
| LCNB LCNB Corp. | 18.79 | 24.40 | +23% | 65Good | $268M |
| EFSI Eagle Financial Services, Inc. | 45.75 | 42.98 | -6% | 37No options | $248M |
| WNEB Western New England Bancorp, Inc. | 13.45 | 14.35 | +6% | 66Good | $270M |
| RMBI Richmond Mutual Bancorporation, Inc. | 15.25 | 17.99 | +15% | 39No options | $245M |
| FNRN First Northern Community Bancorp | 16.67 | 19.28 | +14% | 39No options | $273M |
| PEBK Peoples Bancorp of North Carolina, Inc. | 44.31 | 47.10 | +6% | 39No options | $242M |
⚖ 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 17.75 the stock is 64% below the average fair value of 49.42 (data as of 16 Oct 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 68 out of 100 (Good). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for GBFH?
49.42 per share as of 16 Oct 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 Oct 2026 (after the close), 11 days from the data date of 16 Oct 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 124 listed contracts with 3,907 open interest across all expiries and implied volatility of 58% 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.