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Gbank Financial Holdings Inc (GBFH)
:GBFH
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GBank Financial Holdings (GBFH) AI Stock Analysis

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GBFH

GBank Financial Holdings

(NASDAQ:GBFH)

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Neutral 64 (OpenAI - 4o)
Rating:64Neutral
Price Target:
$41.00
▲(10.27% Upside)
GBank Financial Holdings' overall score reflects strong financial performance and strategic initiatives, tempered by technical weaknesses and valuation concerns. The company's proactive approach to addressing operational challenges is a positive, but external risks and high valuation limit the stock's attractiveness.

GBank Financial Holdings (GBFH) vs. SPDR S&P 500 ETF (SPY)

GBank Financial Holdings Business Overview & Revenue Model

Company DescriptionGBank Financial Holdings (GBFH) is a diversified financial services company that operates primarily in the banking sector. It offers a wide range of products and services including personal and commercial banking, wealth management, and investment services. GBFH is committed to providing innovative financial solutions to its customers, leveraging technology to enhance customer experience and streamline operations.
How the Company Makes MoneyGBank Financial Holdings generates revenue through multiple key streams. Primarily, the company earns money from net interest income, which is the difference between the interest it pays on deposits and the interest it earns on loans. This includes personal loans, mortgages, and business loans. Additionally, GBFH generates fee income from various banking services such as account maintenance fees, transaction fees, investment management fees, and financial advisory services. The company may also engage in wealth management, where it earns management fees from managing client portfolios. Strategic partnerships with technology providers enhance its digital banking capabilities, attracting a broader customer base and increasing transaction volumes, thereby contributing to its overall earnings.

GBank Financial Holdings Earnings Call Summary

Earnings Call Date:Oct 28, 2025
(Q3-2025)
|
% Change Since: |
Next Earnings Date:Feb 03, 2026
Earnings Call Sentiment Neutral
The earnings call presented a mixture of positive aspects, such as revenue growth and record loan production, alongside challenges including decreased earnings, unusual operating expenses, and fraud issues. The proactive steps taken to address these challenges indicate a forward-looking approach, but the impact of external factors like the government shutdown remains a concern.
Q3-2025 Updates
Positive Updates
Net Revenue Growth
The bank delivered solid operating leverage with net revenue growing 13.5% to $20.2 million, demonstrating the impact of digital banking programs.
Interest Income Increase
Interest income increased by 4.9% to $13 million due to significant loan production and an additional day in the quarter.
Credit Card Transaction Volume Rebound
Net interchange income was up 56.7% over the prior quarter with total transaction volume hitting $131 million, a 57% increase.
Record Loan Production
SBA and commercial lending achieved record loan production of $242 million, up $82 million over the prior quarter.
Growth in Shareholders' Equity
Shareholders' equity grew by 4.2% to $158 million, while average earning assets increased by $34 million over the linked quarter.
Negative Updates
Decrease in Quarterly Earnings
Quarterly earnings were $4.3 million, a decrease of $500,000 compared to the prior quarter.
Unusual Operating Expenses
Operating expenses included $2 million in unusual costs related to CEO departure, marketing campaigns, and fraud-related issues.
Increase in Non-Performing Assets
Non-performing assets increased by $5.8 million to $10.4 million, representing 0.8% of total assets.
Fraud and Credit Card Issues
The bank faced significant fraud issues with the credit card program, leading to a temporary shutdown of applications.
Impact of Government Shutdown
The government shutdown delayed the approval of SBA loans and sales, impacting cash flow and loan processing.
Company Guidance
During the GBank Financial Holdings, Inc. Third Quarter 2025 Earnings Conference Call, the company provided detailed guidance on its financial performance and strategic initiatives. The company reported quarterly earnings of $4.3 million, or $0.30 per diluted share, which represented a decrease from the previous quarter's earnings of $4.8 million. This decrease was attributed to approximately $2 million in unusual operating expenses, which included costs related to the departure of the prior CEO, a direct mail marketing campaign, and a cyber attack. Despite these challenges, the bank experienced significant net revenue growth of 13.5%, reaching $20.2 million, largely driven by a 4.9% increase in interest income to $13 million and a 56.7% rise in net interchange income. The bank's on-balance sheet guaranteed loan balances also increased by $22.9 million, bringing the total to $260.5 million. Credit card transaction volume rebounded significantly, with a 57% increase over the prior quarter, totaling $131 million. Strategic measures included the adoption of advanced fraud detection systems and a new credit card application system to enhance security and customer acquisition. The bank also highlighted its focus on transitioning to a digital bank and payments company, emphasizing technology-driven infrastructure and digital banking capabilities. The company's total assets surpassed $1.3 billion for the first time, with a 5.6% increase during the quarter, and shareholders' equity grew by 4.2% to $158 million.

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
75
Positive
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
80
Positive
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
70
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue80.63M60.14M58.96M45.24M38.50M28.69M
Gross Profit64.34M60.14M44.68M40.47M35.95M25.17M
EBITDA26.55M23.91M20.73M19.92M19.12M9.78M
Net Income19.37M18.64M10.92M10.87M10.98M6.98M
Balance Sheet
Total Assets1.23B1.12B918.38M678.70M620.30M470.64M
Cash, Cash Equivalents and Short-Term Investments226.12M124.12M100.59M139.41M240.12M153.23M
Total Debt32.25M26.09M61.51M28.92M27.80M11.31M
Total Liabilities1.08B981.66M819.95M591.91M544.51M406.02M
Stockholders Equity151.75M140.70M98.43M86.80M75.80M64.62M
Cash Flow
Free Cash Flow-4.87M26.29M-37.91M9.45M-12.25M27.34M
Operating Cash Flow-4.82M26.48M-37.59M9.77M-12.15M27.59M
Investing Cash Flow-74.03M-179.13M-221.19M-155.73M-36.73M-97.32M
Financing Cash Flow97.96M178.84M220.27M46.00M134.89M118.61M

GBank Financial Holdings Technical Analysis

Technical Analysis Sentiment
Negative
Last Price37.18
Price Trends
50DMA
39.91
Negative
100DMA
39.02
Negative
200DMA
38.47
Negative
Market Momentum
MACD
-0.58
Positive
RSI
36.24
Neutral
STOCH
24.08
Neutral
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 37.18 is below the 20-day moving average (MA) of 39.80, below the 50-day MA of 39.91, and below the 200-day MA of 38.47, indicating a bearish trend. The MACD of -0.58 indicates Positive momentum. The RSI at 36.24 is Neutral, neither overbought nor oversold. The STOCH value of 24.08 is Neutral, 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 (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
$50.38M9.964.54%3.76%6.89%
$18.00B11.429.92%3.81%9.73%1.22%
$530.92M28.7313.68%26.56%0.85%
$31.94M177.130.38%19.55%
$13.55M436.450.17%2.17%8.99%-94.06%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GBFH
GBank Financial Holdings
36.27
7.77
27.26%
ASRV
Ameriserv Financial
3.05
0.46
17.76%
CARV
Carver Bancorp
2.78
1.09
64.50%
GLBZ
Glen Burnie Bancorp
4.67
-0.83
-15.09%
KFFB
Kentucky First Federal Bancorp
4.02
1.36
51.13%
PBBK
PB Bankshares
19.87
4.71
31.07%

GBank Financial Holdings Corporate Events

GBank Financial Holdings Reports Q3 2025 Earnings
Oct 30, 2025

GBank Financial Holdings Inc., a bank holding company based in Las Vegas, Nevada, operates through its subsidiary GBank, offering commercial and retail banking services in Nevada, California, Utah, and Arizona. In its third quarter of 2025, GBank Financial Holdings reported a net income of $4.3 million, or $0.30 per diluted share, despite incurring unusual expenses related to executive severance and the discontinuation of a credit card marketing campaign. The company saw a 13.5% increase in net revenue to $20.2 million compared to the previous quarter, driven by gains on loan sales and increased credit card transaction volumes. Key highlights include record-breaking SBA lending and commercial banking loan originations of $242.1 million and a significant increase in non-interest income. Looking forward, GBank Financial Holdings plans to expand its digital credit card application process and grow its presence in the casino slot market, with a focus on enhancing fraud prevention and leveraging influencer marketing.

Business Operations and StrategyProduct-Related Announcements
GBank Partners with Mike Tyson for Visa Card
Positive
Oct 27, 2025

On October 27, 2025, GBank Financial Holdings Inc. announced that Mike Tyson has joined as a promotional partner for the GBank Visa Signature® Card, aimed at gaming and sports enthusiasts. The partnership will be supported by a national campaign to highlight the card’s benefits, such as speed, security, and flexibility, enhancing GBank’s connection with customers who value innovation and performance.

The most recent analyst rating on (GBFH) stock is a Hold with a $43.00 price target. To see the full list of analyst forecasts on GBank Financial Holdings stock, see the GBFH Stock Forecast page.

Financial DisclosuresRegulatory Filings and Compliance
GBank Financial to Announce Q3 2025 Results Soon
Neutral
Oct 23, 2025

On October 23, 2025, GBank Financial Holdings Inc. announced that it will release its third-quarter 2025 financial results after the market closes on October 27, 2025. The company will host a quarterly earnings call on October 29, 2025, at 10:00 a.m. PST, which will be accessible remotely via the internet. This announcement is part of the company’s ongoing efforts to keep investors informed and engaged, reflecting its commitment to transparency and regulatory compliance.

The most recent analyst rating on (GBFH) stock is a Hold with a $43.00 price target. To see the full list of analyst forecasts on GBank Financial Holdings stock, see the GBFH Stock Forecast page.

Executive/Board Changes
GBank Financial CEO Ryan Sullivan Resigns
Neutral
Oct 1, 2025

On September 29, 2025, T. Ryan Sullivan, CEO and director of GBank Financial Holdings, announced his resignation effective September 30, 2025. The company has entered into a Separation and Consulting Services Agreement with Sullivan, offering a lump sum payment and consulting role to ensure continuity during the transition.

The most recent analyst rating on (GBFH) stock is a Buy with a $55.00 price target. To see the full list of analyst forecasts on GBank Financial Holdings stock, see the GBFH Stock Forecast page.

Business Operations and StrategyExecutive/Board Changes
GBank Financial Appoints Ed Nigro as New CEO
Neutral
Sep 3, 2025

GBank Financial Holdings Inc. announced a management reorganization aimed at enhancing its digital banking and payments capabilities. On August 26, 2025, T. Ryan Sullivan, the President and CEO, signaled his intent not to renew his employment contract, which expires in August 2026, and discussions are underway for him to provide consulting services during the transition. Ed Nigro has been appointed as the new CEO, effective September 3, 2025, while continuing his role as Executive Chairman. This leadership change is part of the company’s strategic efforts to strengthen its market position and ensure a seamless transition.

Business Operations and StrategyProduct-Related Announcements
GBank Partners with BoltBetz for Cashless Gaming
Positive
Aug 28, 2025

On August 28, 2025, BoltBetz announced a partnership with Terrible’s / JETT Gaming to implement its cashless gaming technology across thousands of gaming machines in Nevada. This collaboration aims to enhance convenience, security, and player engagement, leveraging GBank’s FDIC-insured banking capabilities and BankCard Services’ patented technology. The partnership is expected to transform gaming operations and maintain Terrible’s reputation for customer-focused experiences.

Shareholder Meetings
GBank Financial Holds Virtual Annual Stockholders Meeting
Neutral
Aug 5, 2025

On August 1, 2025, GBank Financial Holdings Inc. held its Annual Meeting of Stockholders virtually, with a quorum of 10,192,498 shares represented. During the meeting, stockholders approved the election of three Class III directors and ratified the appointment of RSM US LLP as the independent registered public accounting firm for the year ending December 31, 2025.

Financial DisclosuresShareholder Meetings
GBank Financial Reschedules Earnings Call After Disruption
Neutral
Jul 30, 2025

On July 29, 2025, GBank Financial Holdings Inc., the parent company of GBank, experienced technical issues during its quarterly earnings call, which disrupted the session and affected participant access. To address this, the company announced it will repeat the earnings call at the start of its 2025 annual stockholders meeting on August 1, 2025, at 2:00 p.m. PST, allowing stakeholders another opportunity to engage with the company’s financial updates.

GBank Financial Holdings Reports Q2 2025 Earnings
Jul 30, 2025

GBank Financial Holdings Inc., a bank holding company based in Las Vegas, Nevada, operates through its subsidiary GBank, providing commercial and retail banking services in Nevada, California, Utah, and Arizona.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

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 30, 2025