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GBank Financial Holdings (GBFH)
OTHER OTC:GBFH
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GBank Financial Holdings
(OTC:GBFH)
72Outperform
GBank Financial Holdings (GBFH) vs. S&P 500 (SPY)
Market Cap
N/A
Dividend YieldN/A
Average Volume (3M)16.60K
Price to Earnings (P/E)22.9
Beta (1Y)0.49
Revenue Growth55.04%
EPS Growth63.06%
CountryUS
Employees169
SectorFinancial
Sector Strength85
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.36
Shares Outstanding14,039,404
10 Day Avg. Volume6,311
30 Day Avg. Volume16,598
Financial Highlights & Ratios
PEG Ratio0.36
Price to Book (P/B)N/A
Price to Sales (P/S)10.40
Price to Cash Flow (P/CF)N/A
P/FCF Ratio65.50
Enterprise Value/Market CapN/A
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
GBank Financial Holdings Business Overview & Revenue Model
Company DescriptionGBank Financial Holdings (GBFH) is a diversified financial services company that operates in various sectors, including banking, wealth management, and investment services. The company offers a broad range of financial products and services, such as personal and commercial banking, mortgage lending, financial advisory, and asset management. GBFH aims to provide customized financial solutions to individuals, small businesses, and large corporations, leveraging its extensive network and expertise in the financial industry.
How the Company Makes MoneyGBank Financial Holdings generates revenue primarily through interest income from its lending activities and fees from its various financial services. The company earns interest income by providing loans to individuals and businesses, including personal loans, mortgages, and commercial loans. Additionally, GBFH collects fees and commissions from services such as wealth management, investment advisory, and transaction processing. The company also benefits from partnerships with other financial institutions and fintech companies, which help expand its product offerings and customer base. These collaborative efforts contribute to the company's diverse revenue streams and enhance its market position.
GBank Financial Holdings Financial Statement Overview
Summary
Strong revenue growth and profitability with solid balance sheet management, but cash flow challenges need attention.Income Statement
GBank Financial Holdings demonstrates strong profitability with a consistent increase in total revenue over the years, reflecting a revenue growth rate of 41.15% from 2022 to 2023. The gross profit margin is robust at 77.6% for 2023. Net profit margin remains stable, slightly increasing to 18.52% in 2023. Both EBIT and EBITDA margins are healthy, indicating effective cost management and operational efficiency.85
Very Positive
Balance Sheet
The company maintains a solid balance sheet with an improving equity position. The debt-to-equity ratio is 0.62 in 2023, indicating moderate leverage, while the equity ratio stands at 10.72%. Return on equity is strong at 11.09%, indicating efficient use of equity. However, the increase in total liabilities is a point of concern that should be monitored.78
Positive
Cash Flow
Cash flow analysis reveals challenges in generating positive free cash flow, with a significant negative growth rate year-over-year due to increased operating cash outflows. The operating cash flow to net income ratio is negative, suggesting difficulty in converting income to cash. The company relies heavily on financing activities to support its cash flow needs.60
Neutral
| Breakdown | |||||
| TTM | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|
| Income Statement | Total Revenue | ||||
| 42.45M | 58.96M | 41.77M | 36.94M | 27.18M | 19.14M | Gross Profit |
| 35.62M | 45.77M | 41.77M | 36.94M | 27.18M | 19.14M | EBIT |
| 16.45M | 13.53M | 14.03M | 14.44M | 9.33M | 6.75M | EBITDA |
| 0.00 | 20.73M | 19.92M | 14.72M | 9.78M | 0.00 | Net Income Common Stockholders |
| 8.38M | 10.92M | 10.87M | 10.98M | 6.98M | 5.33M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | ||||
| -8.33M | 100.59M | 139.41M | 240.12M | 153.23M | 104.96M | Total Assets |
| 963.45M | 918.38M | 678.70M | 620.30M | 470.64M | 344.33M | Total Debt |
| 41.44M | 61.51M | 25.94M | 27.80M | 11.31M | 0.00 | Net Debt |
| -12.74M | -36.42M | -110.50M | -208.60M | -139.07M | -101.50M | Total Liabilities |
| 860.88M | 819.95M | 591.91M | 544.51M | 406.02M | 4.79M | Stockholders Equity |
| 102.57M | 98.43M | 86.80M | 75.80M | 64.62M | 42.70M |
| Cash Flow | Free Cash Flow | ||||
| 0.00 | -37.91M | 9.45M | -12.25M | 27.34M | -8.67M | Operating Cash Flow |
| 0.00 | -37.59M | 9.77M | -9.33M | 27.59M | -8.23M | Investing Cash Flow |
| 0.00 | -221.19M | -155.73M | -39.54M | -97.32M | -46.95M | Financing Cash Flow |
| 0.00 | 220.27M | 46.00M | 134.89M | 118.61M | 99.14M |
GBank Financial Holdings Technical Analysis
Negative
31.20
Price Trends
37.27
Negative
35.97
Negative
28.40
Positive
Market Momentum
0.13
Negative
55.19
Neutral
95.53
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GBFH, the sentiment is Negative. The current price of 31.2 is below the 20-day moving average (MA) of 35.48, below the 50-day MA of 37.27, and above the 200-day MA of 28.40, indicating a neutral trend. The MACD of 0.13 indicates Negative momentum. The RSI at 55.19 is Neutral, neither overbought nor oversold. The STOCH value of 95.53 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GBFH.
GBank Financial Holdings Peers Comparison
Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | 22.94 | 15.59% | ― | 55.04% | 63.06% | ||
67 Neutral | $431.78M | 8.62 | 9.17% | 3.47% | 11.48% | -6.49% | |
66 Neutral | $278.22M | 8.21 | 12.30% | 3.01% | 9.78% | -3.24% | |
63 Neutral | $14.39B | 9.81 | 8.95% | 4.37% | 16.38% | -11.64% | |
62 Neutral | $101.07M | 26.65 | 2.36% | 2.43% | 16.38% | ― |
* Financial Sector Average
Performance Comparison
GBFH
GBank Financial Holdings
31.20
15.65
100.64%
CCNE
Cnb Financial
20.27
1.11
5.79%
PBHC
Pathfinder Bancorp
16.35
4.56
38.68%
FSBW
FS Bancorp
36.27
3.22
9.74%
GBank Financial Holdings Earnings Call Summary
Earnings Call Date: Jan 28, 2025 | % Change Since: -20.00% | Next Earnings Date: May 27, 2025
Earnings Call Sentiment Positive
The earnings call reflects a strong performance for 2024 with significant growth in net income, SBA loan originations, and credit card transactions. However, challenges such as net interest margin compression and increases in nonaccrual loans were noted. Overall, despite these challenges, the positive highlights signify a robust financial outlook.Highlights
Record-Breaking Earnings and SBA Loan Origination
The company reported a net income of $18.6 million for 2024, a 71% increase from the previous year. They achieved over $500 million in SBA loan originations for 2024, surpassing $2 billion since their inception.
Credit Card Transaction Growth
Credit card transactions reached $51.7 million in Q4, a 272% increase from $13.9 million in Q3. They also achieved a $1.5 million transaction day recently.
Strong Asset and Equity Growth
The bank's assets grew by 22.4% for the year, closing over $1.1 billion, and shareholders' equity saw a 42.9% growth year-over-year.
Recognition and Awards
The company was recognized for the third consecutive year in the OTCQX Best 50 for stock performance.
Lowlights
Net Interest Margin Compression
There was a decrease in net interest margin from 5% to 4.53% quarter-over-quarter, impacting the bank’s profitability.
Credit Card Pretax Losses
The credit card activities resulted in a pretax loss of approximately $1.1 million for 2024.
Increase in Nonaccrual Loans
Total nonaccrual loans increased by $8.7 million quarter-over-quarter, raising concerns about future loan performance.
Company Guidance
In the call, GBank Financial Holdings provided comprehensive guidance on their financial performance and strategic initiatives for 2024. The company reported a substantial net income of $18.6 million, or $1.37 per diluted share, marking a 70.6% year-over-year increase. The SBA program was a significant contributor, with over $500 million in originations for the year and over $2 billion cumulatively since inception. Additionally, the Gaming FinTech division demonstrated robust growth, with credit card transactions increasing to $51.7 million in Q4, up from $13.9 million in Q3, and reaching a breakeven point in profitability. They also highlighted a strong net revenue of $5.2 million for Q4 and a recognition in the OTCQX Best 50 for stock performance. The bank managed a net interest margin of 4.53% despite some compression and maintained a Tier 1 capital ratio of 12.9%. Looking forward, GBank is focused on strategic growth, particularly in digital banking, payments, and SBA lending, while navigating the complexities of becoming a fully registered SEC company.Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
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.