Want to see GWBK full AI Analyst Report?
Top Page
Gateway Bank FSB
(OTC:GWBK)
Select Model
Select Model
Rating:47Neutral
Price Target:
$0.08
▼(-3.75% Downside)
Action:Reiterated
Date:07/23/26
The score is held down primarily by weak financial performance—persistent losses, negative operating/free cash flow, and a sharp rise in leverage. Technicals provide some offset with a strong uptrend above key moving averages, but overbought readings increase near-term risk. Valuation cannot be positively supported from the provided P/E and missing dividend yield.
Positive Factors
Revenue Growth
Revenue growth since 2023, including a 3.9% increase in 2025, indicates the bank is still expanding its top line despite broader profitability challenges. Continued growth can support operating leverage and provide a base for recovery if cost and credit pressures are brought under control.
Negative Factors
Persistent Losses
Losses in four of the last five annual periods and a roughly -30% net margin in 2025 indicate that revenue growth has not translated into sustainable earnings. Persistent unprofitability weakens capital efficiency, limits reinvestment capacity, and raises the importance of a credible operating improvement.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Revenue growth since 2023, including a 3.9% increase in 2025, indicates the bank is still expanding its top line despite broader profitability challenges. Continued growth can support operating leverage and provide a base for recovery if cost and credit pressures are brought under control.
Read all positive factors
Gateway Bank FSB (GWBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$20.92M
Dividend YieldN/A
Average Volume (3M)50.43K
Price to Earnings (P/E)―
Beta (1Y)-0.19
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees31
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding269,912,600
10 Day Avg. Volume134,390
30 Day Avg. Volume50,430
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market Cap1.12
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Gateway Bank FSB Business Overview & Revenue Model
Company Description
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 offer...
Gateway Bank FSB Financial Statement Overview
Summary
Income Statement
22
Negative
Balance Sheet
38
Negative
Cash Flow
18
Very Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 12.87M | 12.39M | 4.79M | 5.62M | 7.47M |
| Gross Profit | 4.86M | 4.24M | 4.79M | 5.62M | 6.70M |
| EBITDA | -3.80M | -4.04M | -1.21M | 0.00 | 0.00 |
| Net Income | -3.88M | -4.11M | -1.27M | -1.55M | 947.51K |
Balance Sheet | |||||
| Total Assets | 260.47M | 256.13M | 197.67M | 181.37M | 175.34M |
| Cash, Cash Equivalents and Short-Term Investments | 10.78M | 24.77M | 11.35M | 19.22M | 46.83M |
| Total Debt | 34.28M | 1.59M | 162.99K | 390.64K | 3.60M |
| Total Liabilities | 238.38M | 231.47M | 169.69M | 165.72M | 159.59M |
| Stockholders Equity | 22.09M | 24.66M | 27.97M | 15.65M | 15.76M |
Cash Flow | |||||
| Free Cash Flow | -4.31M | -4.04M | -2.04M | 604.82K | -1.05M |
| Operating Cash Flow | -3.75M | -3.89M | -2.03M | 607.19K | -987.59K |
| Investing Cash Flow | -17.71M | -42.95M | -25.49M | -38.78M | 16.41M |
| Financing Cash Flow | 7.46M | 60.25M | 19.65M | 10.56M | -3.79M |
Gateway Bank FSB Technical Analysis
Neutral
0.08
Price Trends
0.09
Negative
0.08
Positive
0.07
Positive
Market Momentum
>-0.01
Positive
42.36
Neutral
16.67
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GWBK, the sentiment is Neutral. The current price of 0.08 is below the 20-day moving average (MA) of 0.08, below the 50-day MA of 0.09, and above the 200-day MA of 0.07, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 42.36 is Neutral, neither overbought nor oversold. The STOCH value of 16.67 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GWBK.
Gateway Bank FSB Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $45.85M | 25.22 | 3.86% | 0.84% | 8.66% | 958.30% | |
54 Neutral | $201.68M | -0.55 | -63.67% | 124.80% | -35.76% | -909.39% | |
52 Neutral | $12.91M | -82.46 | -0.75% | 8.71% | 13.37% | -600.93% | |
47 Neutral | $20.92M | ― | -16.62% | ― | ― | ― | |
42 Neutral | $1.95M | -0.15 | -52.68% | ― | -28.59% | 94.79% |
* Financial Sector Average
GWBK
Gateway Bank FSB
0.08
>-0.01
-11.36%
CARV
Carver Bancorp
1.68
-0.53
-24.21%
GLBZ
Glen Burnie Bancorp
4.42
0.05
1.14%
KFFB
Kentucky First Federal Bancorp
5.95
2.58
76.45%
BAFN
BayFirst Financial Corp
8.18
-0.37
-4.33%
SHFS
SHF Holdings
0.15
-4.14
-96.41%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.