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GBank Financial Holdings Inc. (GBFH)

Nasdaq: GBFH · State Commercial Banks · Las Vegas, NV · filing with the SEC since 2019
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Grade4.7
◀ Past 4.9● Present 4.1▶ Future 5.1
3 est.
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The grade of GBank Financial Holdings Inc.

Nine metrics read from its own filings, by tense
Headline grade
4.7/10
◀ Past4.940% of the headline
● Present4.135% of the headline
▶ Future5.125% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 6 read as filed from the record and 3 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

4.9/1040% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed
7.8/10

Has it survived what it has been through?

No warning events in its filings since 2019.

weight 45% of this tense · 78th percentile among 165 sector filers · read for itself

From the record

GBank Financial Holdings Inc.'s filings since 2019 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

SI estimate
4.9/10

What has it actually done, year after year?

SI estimate 4.9/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 152 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate
Fewer than three filed years of revenue on file, so the desk assumes the typical reading of its industry family, the median of 152 members with one.
What the record cannot read
Fewer than three filed years of revenue on file.
How it was reasoned
family median, 152 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: GBank Financial Holdings Inc.'s track record is put at 4.9 of 10 with a confidence of 20 of 100, because fewer than three filed years of revenue on file, so the desk assumes the typical reading of its industry family, the median of 152 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

Shareholder treatment

as filed
0.8/10

How has it treated the people who own it?

Share count grew 7.9% a year. 0% of cash flow returned. Insiders: 5 sales, 10 purchases.

weight 33% of this tense · 8th percentile among 157 sector filers · read for its shareholders

From the record

Over the fiscal year to 2025-12-31, GBank Financial Holdings Inc.'s diluted share count grew about 7.9% a year, and dividends and buybacks returned about 0% of its operating cash flow over 2 years (its filed statements). Its officers and directors filed 5 sales and 10 purchases of their own stock on the open market in the year to 2026-10-13, buying about $3 million (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 13% of its family
  • cash returned against operating cash flowbottom 2% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.1/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
5.8/10

Is it financially healthy right now?

ROE 13%: 13¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar.

weight 45% of this tense · 58th percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, GBank Financial Holdings Inc. earned about 13 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count grew 7.9% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 28% of its family
  • return on equitytop 18% of its family
  • the share count against the year beforebottom 19% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
3.2/10

How strong is its position in its industry?

bottom 32% of 155 in its family; net margin 24.8%.

weight 33% of this tense · 32nd percentile among 155 sector filers · read for its customers

From the record

GBank Financial Holdings Inc.'s standing among 155 graded names in its industry family: revenue of $84 million in fiscal 2025 ranks in the bottom 8% by size; a net margin of 24.8% ranks in the top 33%; revenue growth of 12.1% a year over the last 1 filed years ranks in the bottom 21% (its annual reports).

What it rests on

  • revenue against the family$84.3Mbottom 8% of its family
  • net margin24.8%top 33% of its family
  • three-year revenue growth12.1%bottom 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
1.9/10

What are the people in charge doing?

bottom 19% of 150 in its family for leadership; chief executive since 2025.

weight 22% of this tense · 19th percentile among 150 sector filers · read for its shareholders

From the record

GBank Financial Holdings Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Nigro, Edward Michael (CEO and Executive Chairman, as filed), filing under that title since 2025-12-22, 11 months (bottom 10% of its family); most of the 18 officers and directors filing now have filed since the record of its people begins (2025-05-02), a floor of 1.5 years the record cannot see past, so that part is not read; 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (bottom 28%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge8 in three years among 18 peoplebottom 28% of its family
  • the chief executive's years on the record11 monthsbottom 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.1/1025% of the headline grade · 1 of 3 filed, 2 estimated

Room to expand

as filed
5.5/10

How much room does it have to grow?

top 45% of 142 in its family for room to expand.

weight 33% of this tense · 55th percentile among 142 sector filers · read for itself

From the record

GBank Financial Holdings Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $198 million against no long-term debt tagged leaves 14.6% of its assets as net cash, top 3% of its family; cash from operations less capital spending is 10.8% of revenue (bottom 13%) (its annual report).

What it rests on

  • cash less debt against assets14.6%top 3% of its family
  • cash from operations less capital spending against revenue10.8%bottom 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

SI estimate
4.9/10

What could actually drive growth from here?

SI estimate 4.9/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 152 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate
The record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending, so the desk assumes the typical reading of its industry family, the median of 152 members with one.
What the record cannot read
The record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending.
How it was reasoned
family median, 152 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: GBank Financial Holdings Inc.'s growth drivers is put at 4.9 of 10 with a confidence of 20 of 100, because the record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending, so the desk assumes the typical reading of its industry family, the median of 152 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

Expectations vs reality

SI estimate
5.1/10

Did its newest year beat what its own record pointed to?

SI estimate 5.1/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 150 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 150 members with one.
What the record cannot read
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned
family median, 150 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: GBank Financial Holdings Inc.'s expectations vs reality is put at 5.1 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 150 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton GBFH · research, not advice