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Gateway Bank FSB (GWBK) Stock Price & Analysis
GWBK Stock Chart & Stats
- Day’s Range
- $0.09 - $0.09
- 52-Week Range
- $0.05 - $0.10
- Previous Close
- $0.09
- Volume
- N/A
- Average Volume (3M)
- 53
- Market Cap
- $24.29M
- Enterprise Value
- $23.50T
- Total Cash (Recent Filing)
- N/A
- Total Debt (Recent Filing)
- N/A
- Price to Earnings (P/E)
- 0.0
- Beta
- -0.07
- Next Earnings
- N/A
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Revenue Growth
Continued revenue growth indicates that Gateway Bank is expanding its top line despite broader profitability challenges. If maintained, this provides a foundation for operating leverage, supports investment in the franchise, and gives management a larger revenue base from which to improve earnings over the next several quarters.
Sizable Equity Base
A sizable equity base provides Gateway Bank with an established capital foundation and some capacity to support ongoing operations. Although returns are currently negative, preserving this equity base can help the company pursue stabilization and absorb operating volatility while management works to restore profitability.
Improved Gross Margin
Improvement in gross margin suggests that the economics of the company’s revenue base moved in a favorable direction during 2025. While this has not yet translated into positive operating results, sustained margin improvement could help narrow losses and strengthen earnings quality over time.
Bears Say
Persistent Unprofitability
Repeated annual losses and a net margin near negative 30% show that revenue growth is not currently converting into sustainable earnings. Persistent unprofitability can erode capital, restrict strategic investment, and indicate that the cost structure or operating headwinds remain unresolved over the medium term.
Negative Cash Generation
Negative operating and free cash flow indicate that Gateway Bank is consuming cash rather than funding operations internally. Continued cash burn reduces financial flexibility, increases reliance on external funding, and makes it harder to finance growth or withstand further deterioration without corrective action.
Sharp Leverage Increase
The sharp increase in debt relative to equity represents a major deterioration in balance-sheet flexibility. Higher leverage can amplify the effect of weak earnings, increase funding pressure, and leave fewer options for absorbing losses or supporting investment while the business remains unprofitable.
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Company Description
Gateway Bank FSB
Gateway Bank, F.S.B., a financial institution with operations spanning California, provides a full spectrum of banking products and services tailored for both individual consumers and commercial entities. For its personal clientele, the bank offers standard checking and savings accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs), alongside convenient online banking features. On the commercial side, it delivers a range of solutions including checking, savings, and money market accounts, CDs, and dedicated merchant banking services. Established in 1990 and headquartered in Oakland, California, the bank officially adopted its present name, Gateway Bank, F.S.B., in October 2010, having previously been known as Gateway Bank FSB. It operates as a controlled entity under the ownership of SK&LLWANG, LLC.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Mukhtar Ali
- Employees
- 31
- Website
- www.gatewayfsb.com
- Address
- 360 8th Street, Oakland, CA, 94607, US
Gateway Bank FSB (GWBK) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 5 | 2 |
| Technical Analysis | 2 | 5 | 2 |
| Moving Averages | 12 | 0 | 0 |
