GBank Financial Holdings (GBFH) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: N/A
• Average Volume (3M): 142.49K
• Price to Earnings (P/E): 28.1
• Beta (1Y): 0.60
• Revenue Growth: 49.15%
• EPS Growth: 60.44%
• Country: US
• Employees: 175
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.31
• Shares Outstanding: 14,042,011
• 10 Day Avg. Volume: 48,919
• 30 Day Avg. Volume: 142,492
• PEG Ratio: 20.09
• Price to Book (P/B): 3.75
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -96.31
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: 1.59
• Enterprise Value/Gross Profit: 6.96
• Enterprise Value/Ebitda: 6.20
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 72 Outperform
• Price Target: ―

GBank Financial Holdings demonstrates strong financial performance and strategic growth, notably in SBA lending and digital banking initiatives. However, cash flow challenges and a high valuation need careful monitoring.

GBank Financial Holdings Business Overview & Revenue Model

Company Description

GBank Financial Holdings (GBFH) is a diversified financial services company that operates across multiple sectors, including retail banking, commercial banking, wealth management, and investment services. The company offers a wide range of financial products and services, such as savings and checking accounts, mortgage and personal loans, credit cards, financial advisory, and asset management solutions. GBFH is committed to delivering innovative financial solutions to its clients while maintaining a strong focus on customer service and sustainable growth.

How the Company Makes Money

GBank Financial Holdings (GBFH) generates revenue primarily through interest income, fees, and commissions. Interest income is derived from loans provided to retail and commercial clients, including mortgages, personal loans, and business loans. The company also earns money through fees associated with various banking services, such as account maintenance, overdraft charges, and transaction fees. Additionally, GBFH generates revenue through wealth management and investment services, which include financial advisory fees, asset management fees, and commissions on investment products. Key partnerships with fintech companies and other financial institutions enable GBFH to expand its service offerings and enhance its revenue streams.

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.

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.

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.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	60.14M	58.96M	45.24M	38.50M	28.69M
Gross Profit	60.14M	44.68M	40.47M	35.95M	25.17M
EBITDA	0.00	20.73M	19.92M	19.12M	9.78M
Net Income	18.64M	10.92M	10.87M	10.98M	6.98M
Balance Sheet
Total Assets	1.12B	918.38M	678.70M	620.30M	470.64M
Cash, Cash Equivalents and Short-Term Investments	124.12M	100.59M	139.41M	240.12M	153.23M
Total Debt	26.09M	61.51M	28.92M	27.80M	11.31M
Total Liabilities	981.66M	819.95M	591.91M	544.51M	406.02M
Stockholders Equity	140.70M	98.43M	86.80M	75.80M	64.62M
Cash Flow
Free Cash Flow	26.29M	-37.91M	9.45M	-12.25M	27.34M
Operating Cash Flow	26.48M	-37.59M	9.77M	-12.15M	27.59M
Investing Cash Flow	-179.13M	-221.19M	-155.73M	-36.73M	-97.32M
Financing Cash Flow	178.84M	220.27M	46.00M	134.89M	118.61M

GBank Financial Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 39.01
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GBFH, the sentiment is Positive. The current price of 39.01 is above the 20-day moving average (MA) of 36.60, above the 50-day MA of 38.66, and above the 200-day MA of 35.04, indicating a bullish trend. The MACD of 0.22 indicates Negative momentum. The RSI at 57.90 is Neutral, neither overbought nor oversold. The STOCH value of 67.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GBFH.

GBank Financial Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ASRV	74 Outperform	$52.04M	14.39	3.36%	3.81%	7.80%	―
GBFH	72 Outperform		28.12	15.57%	―	49.15%	60.44%
Sector *	67 Neutral	$16.64B	11.61	9.79%	3.78%	11.89%	-8.13%
GLBZ	54 Neutral	$15.95M	413.53	0.21%	7.27%	13.95%	-96.19%
KFFB	52 Neutral	$24.46M	―	-2.21%	3.03%	22.56%	-78.84%