Gateway Bank FSB (GWBK)
OTHER OTC:GWBK
Want to see GWBK full AI Analyst Report?
Top Page
Gateway Bank FSB
(OTC:GWBK)
Select Model
Select Model
Rating:45Neutral
Price Target:
$0.07
▼(-18.75% Downside)
Action:N/A
Date:04/29/26
The score is held down primarily by weak financial performance—persistent losses, negative operating/free cash flow, and a sharp increase in leverage—despite revenue growth. Technical indicators are mixed and do not provide strong bullish confirmation. Valuation support is limited because the reported P/E is not meaningful and no dividend yield is available.
Positive Factors
Revenue Growth Trend
Sustained top-line growth since 2023, including a 3.9% increase in 2025, signals continued customer demand and market traction. Over a 2-6 month horizon, stable revenue momentum supports scalability and gives management time to focus on converting growth into durable profitability.
Negative Factors
Persistent Net Losses
Repeated annual losses and a deeply negative net margin (~-30% in 2025) erode return on equity and franchise value. Persistent unprofitability undermines the bank's ability to self-fund, attracts regulatory scrutiny, and must be resolved structurally to restore long-term financial health.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Trend
Sustained top-line growth since 2023, including a 3.9% increase in 2025, signals continued customer demand and market traction. Over a 2-6 month horizon, stable revenue momentum supports scalability and gives management time to focus on converting growth into durable profitability.
Read all positive factors
Gateway Bank FSB (GWBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$18.89M
Dividend YieldN/A
Average Volume (3M)154.16K
Price to Earnings (P/E)―
Beta (1Y)0.33
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. Volume406,080
30 Day Avg. Volume154,165
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 Cap1.24
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...
How the Company Makes Money
null...
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 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% | |
58 Neutral | $38.49M | 27.40 | 1.71% | ― | 10.06% | ― | |
55 Neutral | $22.83M | -0.81 | -23.19% | 4.10% | -18.73% | -401.58% | |
51 Neutral | $13.59M | -138.66 | 0.09% | ― | 8.13% | -357.58% | |
45 Neutral | $18.89M | ― | ― | ― | ― | ― | |
41 Neutral | $2.36M | -0.51 | -229.75% | ― | -41.20% | 94.76% |
* Financial Sector Average
GWBK
Gateway Bank FSB
0.07
0.01
16.67%
CARV
Carver Bancorp
1.35
-0.31
-18.67%
GLBZ
Glen Burnie Bancorp
4.63
-0.29
-5.80%
KFFB
Kentucky First Federal Bancorp
4.64
1.96
73.13%
BAFN
BayFirst Financial Corp
5.65
-9.22
-62.00%
SHFS
SHF Holdings
0.35
-2.31
-86.77%
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.