$17.46

-0.32 (-1.77%)

After Hours: $17.48 (+0.01, +0.06%)

Weekly Expected Move ±5.2%

$16 $16 $17 $18 $19

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 48 · $258.1M mcap · 9M float · 0.916% daily turnover · Short 65% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NARROW EDGE

57.6 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 9.2%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. GBFH has a Narrow competitive edge (57.6/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. ROIC of 9.2% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$40

Avg Target

$40

High

Based on 2 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 1Hold: 0Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$39.50

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-29	Raymond James	Joseph Yanchunis	Initiated	$35	—	+19.3%	$29.34
2026-01-13	Hovde Group	—	Initiated	$44	—	+40.6%	$31.30

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B-

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. GBFH receives an overall rating of B-. Strongest factors: ROA (4/5), D/E (4/5). Areas of concern: DCF (1/5), P/E (1/5), P/B (1/5).

Rating Change History

Date	From	To
2026-10-16	B	B-
2026-10-12	B-	B
2026-10-01	C+	B-
2026-08-03	B-	C+
2026-07-29	C+	B-
2026-07-22	B-	C+
2026-06-29	C+	B-
2026-05-04	B-	C+
2026-04-01	C+	B-
2026-03-04	B-	C+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 23 Grade D

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. GBFH scores highest in Profitability (70/100) and lowest in Cash Flow (18/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.51

Grey Zone

Piotroski F-Score

6/9

✓ ✗ ✗ ✗ ✓ ✓ ✓ ✓ ✓

Beneish M-Score

-2.53

Unlikely Manipulator

Ohlson O-Score

-4.54

Bankruptcy prob: 1.1%

Low Risk

Credit Rating

A-

Score: 68.8/100

Trend: Deteriorating

Earnings Quality

25/100

OCF/NI: -0.49x

Accruals: 2.1%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. GBFH scores 2.51, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. GBFH scores 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. GBFH's score of -2.53 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. GBFH's implied 1.1% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. GBFH receives an estimated rating of A- (score: 68.8/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). GBFH's score of 25/100 is low — reported earnings may not be fully supported by cash flows.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

13.62x

PEG

-1.73x

P/S

2.41x

P/B

1.47x

P/FCF

-47.36x

P/OCF

—

EV/EBITDA

17.25x

EV/Revenue

4.43x

EV/EBIT

19.87x

EV/FCF

-50.48x

Earnings Yield

4.20%

FCF Yield

-2.11%

Shareholder Yield

0.00%

Graham Number

$18.47

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 13.6x earnings, GBFH trades at a reasonable valuation. Graham's intrinsic value formula yields $18.47 per share, suggesting a potential 4% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.784

NI / EBT

Interest Burden

0.999

EBT / EBIT

EBIT Margin

0.223

EBIT / Rev

Asset Turnover

0.080

Rev / Assets

Equity Multiplier

8.208

Assets / Equity

ROE

11.4%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. GBFH's ROE of 11.4% is driven by financial leverage (equity multiplier: 8.21x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$49.03

Price/Value

0.62x

Margin of Safety

38.18%

Premium

-38.18%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with GBFH's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. GBFH actually compounded EPS at 15.4% over three years; the model uses 15%, the highest rate it will extrapolate — of 4,457 company-quarters that grew faster than 200%, none sustained it over the following seven years. GBFH trades at a -38% premium to its adjusted intrinsic value of $49.03, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 13.6x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1420 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$17.47

Median 1Y

$17.91

5th Pctile

$9.07

95th Pctile

$35.40

Ann. Volatility

43.3%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Nancy M. DeCou EVP & Chief SBA Officer of the Bank	$248,099	$726,600	$4,236,600
Edward M. Nigro Executive Chairman and Chief Executive Officer	$250,000	$730,200	$1,289,337
T. Ryan Sullivan Former President and Chief Executive Officer	$300,000	$—	$1,062,586
Jeffery E. Whicker Chief Financial Officer	$305,451	$133,771	$599,425

CEO Pay Ratio

9:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,289,337

Avg Employee Cost (SGA/emp): $147,978

Employees: 183

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

183

Revenue / Employee

$598,973

Rev: $109,612,000

Profit / Employee

$114,366

NI: $20,929,000

SGA / Employee

$147,978

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q1'22	Q2'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	4.1%	6.1%	9.2%	11.4%	10.5%	12.2%	11.7%	13.4%	16.0%	15.5%	15.5%	14.7%	13.6%	13.7%	11.3%	11.4%	11.39%
ROA	0.5%	0.8%	1.2%	1.5%	1.3%	1.4%	1.4%	1.6%	1.9%	1.8%	1.8%	1.7%	1.6%	1.7%	1.4%	1.4%	1.39%
ROIC	-2.2%	-9.8%	41.9%	31.4%	15.5%	18.4%	12.6%	20.7%	22.1%	10.7%	-48.5%	-45.7%	11.6%	10.6%	9.0%	9.2%	9.16%
ROCE	3.6%	5.7%	8.6%	10.5%	9.2%	9.5%	10.8%	12.3%	14.7%	3.4%	9.5%	9.3%	1.4%	2.0%	1.6%	1.7%	1.65%
Gross Margin	94.2%	86.0%	87.3%	76.8%	74.7%	67.1%	65.9%	67.2%	65.9%	1.0%	66.4%	63.8%	61.6%	69.7%	59.1%	1.0%	1.00%
Operating Margin	39.1%	22.6%	27.8%	21.8%	16.2%	25.5%	24.8%	26.9%	27.7%	39.4%	23.4%	24.5%	19.8%	31.4%	5.1%	37.1%	37.09%
Net Margin	29.9%	17.2%	23.6%	16.6%	12.6%	20.9%	19.1%	20.6%	21.3%	32.3%	18.3%	18.6%	15.3%	24.7%	4.6%	28.6%	28.59%
EBITDA Margin	39.1%	22.6%	27.8%	21.8%	16.2%	25.5%	33.4%	26.9%	27.7%	0.0%	29.6%	31.0%	26.1%	31.5%	11.4%	37.2%	37.20%
FCF Margin	-28.2%	-29.4%	-10.8%	-2.9%	7.7%	-4.1%	-19.5%	-8.9%	-22.2%	-2.8%	-0.3%	-8.7%	-11.1%	-9.7%	-13.4%	-8.8%	-8.77%
OCF Margin	-28.0%	-29.2%	-10.4%	-2.4%	8.2%	-3.5%	-19.1%	-8.6%	-22.0%	-2.6%	-0.0%	-8.5%	-11.0%	-9.6%	-13.2%	-8.5%	-8.53%
ROE 3Y Avg	snapshot only																11.93%
ROA 3Y Avg	snapshot only																1.41%
ROIC 3Y Avg	snapshot only																8.47%
ROIC Economic	snapshot only																8.96%
Cash ROA	snapshot only																-0.63%
Cash ROIC	snapshot only																-4.48%
CROIC	snapshot only																-4.60%
NOPAT Margin	snapshot only																17.45%
Pretax Margin	snapshot only																22.25%
R&D / Revenue	snapshot only																0.00%
SGA / Revenue	snapshot only																21.97%
SBC / Revenue	snapshot only																2.03%

Valuation

Metric	Q1'22	Q2'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	44.80	28.23	18.89	15.64	17.92	16.83	17.95	16.11	17.46	31.47	28.21	26.60	30.53	23.57	21.84	23.80	13.623
P/S Ratio	13.38	6.72	4.48	3.39	3.14	3.12	3.16	3.02	3.58	7.15	6.28	5.75	6.05	4.55	3.45	4.15	2.411
P/B Ratio	1.84	1.73	1.73	1.78	1.72	1.87	1.98	1.99	2.54	4.14	3.71	3.40	3.60	2.98	2.32	2.55	1.470
P/FCF	-47.42	-22.83	-41.50	-118.05	40.51	-76.93	-16.16	-33.83	-16.10	-252.64	-2467.66	-66.22	-54.50	-47.18	-25.85	-47.36	-47.360
P/OCF	—	—	—	—	38.02	—	—	—	—	—	—	—	—	—	—	—	—
EV/EBITDA	-18.74	1.35	8.24	7.92	11.09	10.70	11.82	9.16	10.93	32.16	18.02	14.79	25.27	16.42	14.96	17.25	17.247
EV/Revenue	-7.33	0.42	2.46	2.18	2.45	2.45	2.96	2.40	3.10	7.53	4.13	3.59	6.06	4.86	3.73	4.43	4.426
EV/EBIT	-18.74	1.35	8.24	7.92	11.09	10.70	13.18	10.03	11.76	35.22	19.52	17.33	32.42	19.45	18.41	19.87	19.872
EV/FCF	25.99	-1.44	-22.79	-75.91	31.60	-60.57	-15.15	-26.94	-13.92	-266.04	-1623.97	-41.31	-54.59	-50.31	-27.91	-50.48	-50.481
Earnings Yield	2.2%	3.5%	5.3%	6.4%	5.6%	5.9%	5.6%	6.2%	5.7%	3.2%	3.5%	3.8%	3.3%	4.2%	4.6%	4.2%	4.20%
FCF Yield	-2.1%	-4.4%	-2.4%	-0.8%	2.5%	-1.3%	-6.2%	-3.0%	-6.2%	-0.4%	-0.0%	-1.5%	-1.8%	-2.1%	-3.9%	-2.1%	-2.11%
Price/Tangible Book	snapshot only																2.740
EV/Gross Profit	snapshot only																6.312
Acquirers Multiple	snapshot only																19.905
Shareholder Yield	snapshot only																0.00%
Graham Number	snapshot only																$18.47

Leverage & Solvency

Metric	Q1'22	Q2'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.49	0.30	0.18	0.15	0.11	0.13	0.07	0.10	0.08	0.21	0.22	0.22	0.84	32.29	6.56	1.25	1.250
Quick Ratio	0.49	0.30	0.18	0.15	0.11	0.13	0.07	0.10	0.08	0.21	0.22	0.22	0.84	32.29	6.56	1.25	1.250
Debt/Equity	0.33	0.32	0.34	0.28	0.32	0.62	0.40	0.39	0.27	0.22	0.22	0.21	0.04	0.23	0.21	0.21	0.207
Net Debt/Equity	-2.85	-1.62	-0.78	-0.64	-0.38	-0.40	-0.12	-0.40	-0.34	0.22	-1.27	-1.28	0.01	0.20	0.18	0.17	0.168
Debt/Assets	0.04	0.04	0.04	0.04	0.04	0.07	0.04	0.04	0.03	0.03	0.03	0.03	0.00	0.03	0.03	0.02	0.025
Debt/EBITDA	6.09	3.98	2.95	1.93	2.64	4.55	2.57	2.26	1.33	1.62	1.63	1.48	0.26	1.19	1.28	1.31	1.314
Net Debt/EBITDA	-52.95	-20.16	-6.77	-4.39	-3.12	-2.89	-0.79	-2.34	-1.70	1.62	-9.36	-8.92	0.04	1.02	1.10	1.07	1.066
Interest Coverage	7.36	5.39	3.48	2.32	1.34	1.04	0.81	0.79	0.83	0.82	0.83	0.80	0.72	0.81	0.64	0.63	0.634
Equity Multiplier	7.93	7.87	7.60	7.39	7.71	9.33	9.39	9.10	9.00	8.00	8.12	8.12	8.23	8.20	8.32	8.28	8.285
Cash Ratio	snapshot only																1.250
Debt Service Coverage	snapshot only																0.730
Cash to Debt	snapshot only																0.188
FCF to Debt	snapshot only																-0.260
Defensive Interval	snapshot only																111.7 days

Efficiency & Turnover

Metric	Q1'22	Q2'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.02	0.03	0.05	0.07	0.08	0.08	0.08	0.09	0.09	0.08	0.08	0.08	0.08	0.09	0.09	0.08	0.080
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	27.20	24.11	24.114
Payables Turnover	0.37	1.39	0.50	1.55	1.61	19.41	1.88	2.40	1.99	—	3.79	3.46	3.33	—	—	—	—
DSO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	13	15	15.1 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	974	262	732	236	227	19	194	152	183	0	96	105	109	0	0	0	—
Cash Conversion Cycle	-974	-262	-732	-236	-227	-19	-194	-152	-183	0	-96	-105	-109	0	13	15	—
Cash Velocity	snapshot only																15.748
Capital Intensity	snapshot only																13.517

Growth (YoY)

Metric	Q1'22	Q2'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	—	—	—	—	3.8%	1.8%	84.4%	50.0%	58.7%	38.3%	34.7%	22.5%	14.1%	32.9%	29.8%	18.3%	18.26%
Net Income	—	—	—	—	1.8%	1.2%	36.7%	29.5%	85.9%	69.6%	70.6%	41.6%	10.3%	13.0%	-7.9%	-4.6%	-4.59%
EPS	—	—	—	—	1.9%	1.2%	35.3%	23.7%	74.1%	63.5%	51.1%	30.0%	3.0%	5.2%	-7.6%	-4.3%	-4.33%
FCF	—	—	—	—	2.3%	61.0%	-2.3%	-3.7%	-5.6%	3.4%	98.2%	-19.4%	43.0%	-3.5%	-67.1%	-19.4%	-19.36%
EBITDA	—	—	—	—	1.7%	1.1%	54.7%	42.7%	1.0%	41.1%	23.5%	13.4%	-3.5%	67.8%	41.0%	25.1%	25.08%
Op. Income	—	—	—	—	1.7%	1.1%	38.7%	30.3%	89.4%	75.0%	70.4%	41.7%	9.7%	14.2%	-7.5%	-5.0%	-4.98%
OCF Growth	snapshot only																-18.84%
Asset Growth	snapshot only																16.17%
Equity Growth	snapshot only																13.88%
Debt Growth	snapshot only																10.74%
Shares Change	snapshot only																-0.27%

Growth (CAGR)

Metric	Q1'22	Q2'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	—	—	—	—	—	—	—	—	—	—	—	—	1.1%	73.3%	47.7%	29.5%	29.54%
Revenue 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS 3Y	—	—	—	—	—	—	—	—	—	—	—	—	72.6%	56.3%	23.6%	15.4%	15.44%
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	79.2%	61.6%	29.1%	20.5%	20.48%
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EBITDA 3Y	—	—	—	—	—	—	—	—	—	—	—	—	74.5%	70.2%	39.1%	26.5%	26.50%
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross Profit 3Y	—	—	—	—	—	—	—	—	—	—	—	—	86.0%	55.7%	32.1%	21.2%	21.21%
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Op. Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	77.7%	60.8%	29.8%	20.6%	20.60%
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Assets 3Y	—	—	—	—	—	—	—	—	—	—	—	—	27.6%	28.9%	26.7%	27.9%	27.86%
Assets 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Equity 3Y	—	—	—	—	—	—	—	—	—	—	—	—	26.0%	27.1%	23.0%	23.1%	23.11%
Book Value 3Y	—	—	—	—	—	—	—	—	—	—	—	—	21.4%	22.9%	17.8%	18.0%	17.96%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	Q1'22	Q2'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	—	—	—	—	—	—	—	—	0.99	0.98	0.99	0.99	0.95	0.99	1.00	0.99	0.989
Earnings Stability	—	—	—	—	—	—	—	—	0.99	1.00	0.94	0.97	0.95	0.97	0.81	0.84	0.841
Margin Stability	—	—	—	—	—	—	—	—	0.83	0.88	0.87	0.88	0.84	0.86	0.85	0.89	0.893
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.000
FCF Positive Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Earnings Persistence	—	—	—	—	—	—	—	—	0.50	0.50	0.50	0.83	0.96	0.95	0.97	0.98	0.982
Earnings Smoothness	—	—	—	—	0.05	0.25	0.69	0.74	0.40	0.48	0.48	0.66	0.90	0.88	0.92	0.95	0.953
ROE Trend	—	—	—	—	—	—	—	—	0.08	0.05	0.03	0.01	-0.00	0.00	-0.01	-0.02	-0.019
Gross Margin Trend	—	—	—	—	—	—	—	—	-0.21	-0.10	-0.07	-0.05	-0.04	-0.09	-0.08	0.00	0.002
FCF Margin Trend	—	—	—	—	—	—	—	—	-0.12	0.14	0.15	-0.03	-0.04	-0.06	-0.03	0.00	0.000
Sustainable Growth Rate	4.1%	6.1%	9.2%	11.4%	10.5%	12.2%	11.7%	13.4%	16.0%	15.5%	15.5%	14.7%	13.6%	13.7%	11.3%	11.4%	11.39%
Internal Growth Rate	0.5%	0.8%	1.2%	1.6%	1.4%	1.4%	1.4%	1.6%	1.9%	1.8%	1.8%	1.8%	1.6%	1.7%	1.4%	1.4%	1.41%

Cash Flow Quality

Metric	Q1'22	Q2'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	-0.94	-1.23	-0.44	-0.11	0.47	-0.19	-1.08	-0.46	-1.07	-0.11	-0.00	-0.39	-0.56	-0.50	-0.83	-0.49	-0.489
FCF/OCF	1.01	1.01	1.04	1.18	0.94	1.15	1.02	1.04	1.01	1.10	5.96	1.02	1.00	1.00	1.02	1.03	1.028
FCF/Net Income	snapshot only																-0.503
OCF/EBITDA	snapshot only																-0.332
CapEx/Revenue	0.2%	0.3%	0.4%	0.4%	0.5%	0.5%	0.4%	0.3%	0.3%	0.2%	0.2%	0.2%	0.1%	0.0%	0.2%	0.2%	0.24%
CapEx/Depreciation	snapshot only																0.071
Accruals Ratio	0.01	0.02	0.02	0.02	0.01	0.02	0.03	0.02	0.04	0.02	0.02	0.02	0.02	0.03	0.03	0.02	0.021
Sloan Accruals	snapshot only																0.604
Cash Flow Adequacy	snapshot only																-35.277
Earnings Quality Score	snapshot only																0.250

Dividends & Buybacks

Metric	Q1'22	Q2'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
FCF Payout Ratio	—	—	—	—	0.0%	—	—	—	—	—	—	—	—	—	—	—	—
Total Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	-0.0%	-0.0%	-0.0%	-0.1%	-0.1%	-0.1%	-0.1%	-0.1%	-0.0%	-0.9%	-0.9%	-0.9%	-0.9%	-1.0%	-1.5%	-2.5%	-2.47%
Total Shareholder Return	-0.0%	-0.0%	-0.0%	-0.1%	-0.1%	-0.1%	-0.1%	-0.1%	-0.0%	-0.9%	-0.9%	-0.9%	-0.9%	-1.0%	-1.5%	-2.5%	-2.47%

DuPont Factors

Metric	Q1'22	Q2'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.76	0.76	0.79	0.79	0.79	0.81	0.78	0.78	0.78	0.77	0.78	0.78	0.78	0.78	0.78	0.78	0.784
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.37	1.35	1.35	1.37	1.00	1.00	1.00	0.999
EBIT Margin	0.39	0.31	0.30	0.28	0.22	0.23	0.22	0.24	0.26	0.21	0.21	0.21	0.19	0.25	0.20	0.22	0.223
Asset Turnover	0.02	0.03	0.05	0.07	0.08	0.08	0.08	0.09	0.09	0.08	0.08	0.08	0.08	0.09	0.09	0.08	0.080
Equity Multiplier	7.93	7.87	7.60	7.39	7.81	8.67	8.55	8.32	8.42	8.55	8.64	8.53	8.56	8.11	8.22	8.21	8.208

Per Share

Metric	Q1'22	Q2'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$0.25	$0.38	$0.65	$0.83	$0.72	$0.84	$0.88	$1.02	$1.25	$1.37	$1.33	$1.33	$1.29	$1.44	$1.23	$1.27	$1.27
Book Value/Share	$6.09	$6.13	$7.07	$7.26	$7.45	$7.53	$7.96	$8.30	$8.59	$10.38	$10.08	$10.43	$10.90	$11.39	$11.56	$11.91	$11.96
Tangible Book/Share	$6.09	$6.13	$7.07	$7.26	$7.45	$6.99	$7.96	$7.73	$7.92	$10.38	$9.44	$9.76	$10.90	$10.62	$10.77	$11.06	$11.06
Revenue/Share	$0.84	$1.58	$2.74	$3.82	$4.10	$4.51	$4.99	$5.47	$6.09	$6.01	$5.95	$6.16	$6.49	$7.44	$7.75	$7.30	$7.33
FCF/Share	$-0.24	$-0.47	$-0.30	$-0.11	$0.32	$-0.18	$-0.97	$-0.49	$-1.35	$-0.17	$-0.02	$-0.53	$-0.72	$-0.72	$-1.04	$-0.64	$-1.55
OCF/Share	$-0.23	$-0.46	$-0.28	$-0.09	$0.34	$-0.16	$-0.95	$-0.47	$-1.34	$-0.16	$-0.00	$-0.52	$-0.72	$-0.71	$-1.02	$-0.62	$-1.54
Cash/Share	$19.33	$11.92	$7.93	$6.66	$5.21	$7.70	$4.21	$6.60	$5.24	$0.00	$15.01	$15.54	$0.34	$0.37	$0.34	$0.46	$0.47
EBITDA/Share	$0.33	$0.49	$0.82	$1.05	$0.90	$1.03	$1.25	$1.43	$1.73	$1.41	$1.37	$1.49	$1.56	$2.20	$1.93	$1.87	$1.87
Debt/Share	$2.00	$1.97	$2.41	$2.03	$2.39	$4.71	$3.22	$3.24	$2.29	$2.28	$2.23	$2.22	$0.41	$2.61	$2.47	$2.46	$2.46
Net Debt/Share	$-17.34	$-9.95	$-5.52	$-4.62	$-2.82	$-2.99	$-0.99	$-3.36	$-2.94	$2.28	$-12.79	$-13.32	$0.07	$2.25	$2.13	$2.00	$2.00

Academic Models

Metric	Q1'22	Q2'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.511
Altman Z-Prime	snapshot only																0.694
Piotroski F-Score	2	2	2	2	5	4	4	3	4	6	6	5	4	4	5	6	6
Beneish M-Score	—	—	—	—	-1.80	-1.42	-1.67	-1.58	-1.49	-2.53	-2.16	-2.23	-2.11	-1.30	-2.02	-2.53	-2.534
Ohlson O-Score	snapshot only																-4.544
ROIC (Greenblatt)	snapshot only																17.55%
Net-Net WC	snapshot only																$-86.29
EVA	snapshot only																$-1694525.77

Credit

Metric	Q1'22	Q2'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																A-
Credit Score	56.62	53.23	62.88	67.21	65.22	60.43	54.42	63.88	65.03	66.86	75.18	73.68	67.78	78.92	70.19	68.84	68.843
Credit Grade	snapshot only																7
Credit Trend	snapshot only																-4.839
Implied Spread (bps)	snapshot only																175.000
Industry Credit Rank	snapshot only																66
Sector Credit Rank	snapshot only																57

GBFH NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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