Gateway Bank FSB (GWBK)

OTHER OTC:GWBK

GWBK

Gateway Bank FSB

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Gateway Bank FSB (GWBK) Price & Analysis

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GWBK Stock Chart & Stats

$0.08

$0.03(46.40%)

At close: Jan 07 4:00 PM EST

$0.08

$0.03(46.40%)

Day’s Range― - ―

52-Week Range$0.05 - $0.09

Previous CloseN/A

Volume500.00

Average Volume (3M)154.16K

Market Cap

$18.62M

Enterprise Value$23.50M

Total Cash (Recent Filing)N/A

Total Debt (Recent Filing)N/A

Price to Earnings (P/E)―

Beta0.35

Next EarningsN/A

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

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 Cap1.26

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

Bulls Say, Bears Say

Bulls Say

Revenue Growth TrendSustained 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.

Equity Capital BaseA sizable equity base (~$22.1M) provides a material loss-absorption cushion and regulatory capital buffer. This capital allows the bank to sustain operations, fund moderate growth or restructurings, and better withstand credit or interest-rate shocks while pursuing a path to improved profitability.

Gross Margin ImprovementImproving gross margins year-over-year indicate progress in core revenue economics or underwriting/asset mix. If structural (pricing, product mix, efficiency), margin gains can compound with revenue growth to close operating losses and improve long-term margin sustainability.

Bears Say

Persistent Net LossesRepeated 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.

Negative Cash GenerationConsistent negative operating and free cash flow constrains internal funding for loan growth, reserves, or investment. Ongoing cash burn increases reliance on external financing, magnifies refinancing risk, and limits flexibility to invest in stabilization or strategic initiatives.

Sharp Increase In LeverageA step-change in leverage (debt-to-equity ~1.55 from ~0.06) meaningfully reduces financial flexibility and raises interest and refinancing burdens. Higher leverage increases vulnerability to earnings shocks, impairs capital ratios, and limits room to absorb credit losses without dilutive capital actions.

GWBK FAQ

What was Gateway Bank FSB’s price range in the past 12 months?

Gateway Bank FSB lowest stock price was $0.05 and its highest was $0.09 in the past 12 months.

What is Gateway Bank FSB’s market cap?

Gateway Bank FSB’s market cap is $18.62M.

When is Gateway Bank FSB’s upcoming earnings report date?

The company’s upcoming earnings report date is not yet available.

How were Gateway Bank FSB’s earnings last quarter?

Currently, no data Available

Is Gateway Bank FSB overvalued?

According to Wall Street analysts Gateway Bank FSB’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Gateway Bank FSB pay dividends?

Gateway Bank FSB does not currently pay dividends.

What is Gateway Bank FSB’s EPS estimate?

Gateway Bank FSB’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Gateway Bank FSB have?

Gateway Bank FSB has 269,912,600 shares outstanding.

What happened to Gateway Bank FSB’s price movement after its last earnings report?

Currently, no data Available

Which hedge fund is a major shareholder of Gateway Bank FSB?

Currently, no hedge funds are holding shares in GWBK

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Gateway Bank FSB

Gateway Bank, F.S.B. provides personal and commercial banking products and services in California. The company provides Personal Banking products and services, including checking accounts, savings accounts, certificate of deposit, and individual retirement accounts; and online banking services. It also offers business banking products and services, including checking and savings accounts, money market accounts, and certificate of deposit; and merchant banking services. Gateway Bank, F.S.B. was formerly known as Gateway Bank FSB and changed the name to Gateway Bank, F.S.B. in October, 2010. Gateway Bank, F.S.B. was founded in 1990 and is based in Oakland, California. Gateway Bank, F.S.B. operates as a subsidiary of SK&LLWANG, LLC.