WinstonWınston
Back
GBank Financial Holdings logo

GBank Financial Holdings

GBFH
52
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
52
Winston is curious
Mixed quality — meaningful strengths and weaknesses.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Mixed
Growth
Good
Capital Strength
Exceptional
Asset Quality
Weak
Valuation
Strong

Winston Score History

The full picture

GBank Financial Holdings Inc. is a small regional bank holding company based in Las Vegas, Nevada. It operates GBank, which provides commercial banking services including loans, deposits, and financial products to businesses and individuals, primarily in the Nevada market. The bank has a notable focus on serving the gaming and hospitality industry, which is a defining feature given its location in one of the largest casino markets in the world.

GBank makes money the traditional banking way — it collects deposits and earns interest by lending that money out to businesses and consumers, keeping the difference as net interest income. It also generates fee-based income from various banking services. With a market cap of roughly $300 million, it is a small community-focused institution competing against much larger regional and national banks. Its specialized experience serving gaming-related businesses gives it a niche edge, but that same concentration in one industry and one geographic market is also its main risk if Nevada's economy or tourism slows down.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+24.5% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+15.2% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

34.5%ownership

Flat

Insider ownership roughly steady over the past year

Cash Runway

5+ years

Quarterly Free Cash Flow

↓ Burn rate worsening

$1.3B cash & investments at current burn rate

Growth context

GBank Financial Holdings is growing revenue at 24% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money
Return on Equity
5.0%
no trend
Weak — 5.0% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.97%
no trend
Wide spread — 3.97% net interest margin
Cost of running the bank
Efficiency Ratio
74.2%
no trend
Bloated cost base — 74.2% efficiency ratio

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales growth
Sales YoY
+32.6%
Fast-growing sales (+32.6% YoY)
Profit growth
EPS YoY
-7.8%
Earnings shrinking (-7.8% YoY)

Slight earnings drop. Typical near a cyclical low.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Capital Strength

Safety cushion
Capital Ratio
13.4%
no trend
Very well capitalised — 13.4% Tier-1 leverage

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
3.61%
no trend
Elevated — 3.61% non-performing loans

More than 3% of loans are going bad. That is a high level of loan stress.

Loans written off
Net Charge-Offs
0.55%
no trend
Rising losses — 0.55% net charge-offs

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

Price vs profit
P/E Ratio (TTM)
16.4x
no trend
Fair value — P/E 16.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+5.0
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (16.4 → 11.5)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Not applicable for this business.
🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.
Start free trial