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GBank Financial Holdings (GBFH)
NASDAQ:GBFH
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GBank Financial Holdings
(NASDAQ:GBFH)
Rating:72Outperform
Price Target:―
GBank Financial Holdings (GBFH) vs. SPDR S&P 500 ETF (SPY)
Market Cap
N/A
Dividend YieldN/A
Average Volume (3M)101.93K
Price to Earnings (P/E)27.4
Beta (1Y)0.66
Revenue Growth49.15%
EPS Growth60.44%
CountryUS
Employees175
SectorFinancial
Sector Strength67
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.33
Shares Outstanding14,274,000
10 Day Avg. Volume53,400
30 Day Avg. Volume101,930
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/Revenue6.18
Enterprise Value/Gross Profit8.52
Enterprise Value/Ebitda26.95
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 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 MoneyGBank 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 Earnings Call Summary
Earnings Call Date:Jul 28, 2025
(Q4-2024)
| % Change Since: -14.71%|
Next Earnings Date:Oct 17, 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.Q4-2024 Updates
Positive Updates
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.
Negative Updates
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.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 | 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
Negative
37.41
Price Trends
38.25
Negative
38.01
Negative
36.36
Positive
Market Momentum
-0.29
Positive
44.28
Neutral
18.36
Positive
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 37.41 is below the 20-day moving average (MA) of 39.79, below the 50-day MA of 38.25, and above the 200-day MA of 36.36, indicating a neutral trend. The MACD of -0.29 indicates Positive momentum. The RSI at 44.28 is Neutral, neither overbought nor oversold. The STOCH value of 18.36 is Positive, 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 | 27.36 | 14.83% | ― | 49.15% | 60.44% | ||
69 Neutral | $47.91M | 12.95 | 3.26% | 4.11% | 6.06% | ― | |
63 Neutral | €13.39B | 9.50 | 5.49% | 3.97% | 13.93% | 9.46% | |
52 Neutral | $24.93M | ― | -2.21% | 3.03% | 22.56% | -78.84% | |
50 Neutral | $11.69M | 376.64 | 0.17% | 2.48% | 8.99% | -94.06% |
* Financial Sector Average
Performance Comparison
GBFH
GBank Financial Holdings
38.10
18.80
97.41%
ASRV
Ameriserv Financial
2.90
0.69
31.22%
GLBZ
Glen Burnie Bancorp
4.07
-0.50
-10.94%
KFFB
Kentucky First Federal Bancorp
3.12
-0.28
-8.24%
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.