Gateway Bank FSB (GWBK) AI Stock Analysis

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Gateway Bank FSB

(Other OTC:GWBK)

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Rating:41Neutral

Price Target:$0.08▲(0.00% Upside)

Action:reiterated

Date:10/23/26

The score is driven primarily by weak profitability, negative cash generation, rising leverage, and an uninformative valuation profile. Technical positioning provides some support because the price remains above its moving averages, but momentum is limited.

Positive Factors

Revenue GrowthContinued 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.

Negative Factors

Persistent UnprofitabilityRepeated 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.

Gateway Bank FSB (GWBK) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $21.59M
Dividend Yield: ―
Average Volume (3M): 98.58K
Price to Earnings (P/E): 0.0
Beta (1Y): -0.08
Revenue Growth: ―
EPS Growth: ―
Country: US
Employees: 31
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 offers s...

Gateway Bank FSB Financial Statement Overview

Summary

Revenue and assets grew, but persistent net losses, sharply higher debt, negative operating cash flow, and negative returns on equity indicate substantial financial weakness.

Income Statement

25Negative

Balance Sheet

45Neutral

Cash Flow

20Very Negative

Financial statement breakdown
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	0
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

Technical Analysis SentimentNegative

Last Price0.08

Price Trends

50DMA0.08Negative

100DMA0.08Negative

200DMA0.08Positive

Market Momentum

MACD0.00Positive

RSI46.67Neutral

STOCH16.67Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GWBK, the sentiment is Negative. The current price of 0.08 is below the 20-day moving average (MA) of 0.08, below the 50-day MA of 0.08, and above the 200-day MA of 0.08, indicating a neutral trend. The MACD of 0.00 indicates Positive momentum. The RSI at 46.67 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 Negative sentiment for GWBK.

Gateway Bank FSB Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

GWBK against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
KFFB	62Neutral	$46.50M	19.61	4.97%	0.84%	7.24%	360.42%
BAFN	52Neutral	$200.08M	-0.60	-42.56%	―	-40.59%	-260.04%
GWBK	41Neutral	$21.59M	0.00	-16.62%	―	―	―
GLBZ	39Underperform	$11.50M	-148.12	-0.39%	―	17.13%	-395.56%
SHFS	37Underperform	$2.98M	-0.00	-73.97%	―	-14.63%	94.07%

* Financial Sector Average

Performance Comparison

GWBK and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
GWBK	Gateway Bank FSB	0.08	0.01	14.29%
CARV	Carver Bancorp	2.00	-1.14	-36.31%
GLBZ	Glen Burnie	3.94	-0.54	-12.05%
KFFB	Kentucky First Federal	5.95	1.64	37.92%
BAFN	BayFirst Financial Corp	6.16	-1.96	-24.14%
SHFS	Shf Holdings Inc.	0.03	-17.61	-99.83%

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.

Date of analysis: Oct 23, 2026

Gateway Bank FSB AI Stock Analysis