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Gateway Bank FSB (GWBK) AI Stock Analysis
Gateway Bank FSB
(Other OTC:GWBK)
The low overall score is primarily driven by weak financial performance with persistent losses and negative cash flows, along with unfavorable valuation metrics from zero P/E. Technical indicators provide moderate support via price above long-term moving averages.
Gateway Bank FSB (GWBK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $23.32M
- Dividend Yield
- ―
- Average Volume (3M)
- 101.61K
- Price to Earnings (P/E)
- 0.0
- Beta (1Y)
- -0.07
- 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
Gateway Bank FSB shows poor financial performance with negative net income, weak profitability margins of -30.2%, negative operating cash flows of -$3.7 million, and increased leverage with debt-to-equity at 1.55.
Income Statement
25NegativeBalance Sheet
40NegativeCash Flow
20Very 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 | 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
Price Trends
Market Momentum
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 above the 20-day moving average (MA) of 0.08, above 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 Negative momentum. The RSI at 47.63 is Neutral, neither overbought nor oversold. The STOCH value of 44.44 is Neutral, 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
KFFB62Neutral
BAFN52Neutral
GLBZ52Neutral- GWBK43Neutral
SHFS39Underperform
Financial Indicators
| 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 | $43.18M | 22.64 | 3.86% | 0.94% | 8.69% | 958.30% |
| BAFN | 52Neutral | $156.38M | -0.55 | -42.84% | ― | -40.59% | -260.03% |
| GLBZ | 52Neutral | $12.19M | -76.49 | -0.39% | ― | 17.13% | -395.56% |
| GWBK | 43Neutral | $22.67M | 0.00 | -16.62% | ― | ― | ― |
| SHFS | 39Underperform | $1.55M | -0.01 | -52.68% | ― | -28.59% | 94.79% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GWBK | Gateway Bank FSB | 0.08 | 0.01 | 12.00% | |
| CARV | Carver Bancorp | 1.85 | -1.14 | -38.13% | |
| GLBZ | Glen Burnie | 4.17 | -0.52 | -10.98% | |
| KFFB | Kentucky First Federal | 5.34 | 1.39 | 35.29% | |
| BAFN | BayFirst Financial Corp | 5.80 | -3.50 | -37.63% | |
| SHFS | Shf Holdings Inc. | 0.06 | -29.82 | -99.79% |
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