GBank Financial Holdings (GBFH) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 28, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the GBFH SEC filings page.
GBank Financial Holdings Inc. (GBFH) reported $1.2B in revenue over the twelve months to Jun 30, 2026, up 1704.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Revenue expanded dramatically in FY2025, but earnings and cash generation did not keep pace, leaving a more leveraged financial balance sheet.
The unusual combination of revenue rising1879.6% while net income rose only12.3% and net profit margin fell 28.2 percentage points indicates that the reported scale increase came with much heavier costs or lower-margin activity, rather than simple earnings expansion. At the same time, operating cash flow conversion weakened: operating cash flow fell63.6% to$9.6M while net income reached$20.9M , so accounting profit translated into substantially less cash in FY2025.
Liabilities grew
Capital spending was only
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of GBank Financial Holdings Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
GBank Financial Holdings Inc. earned a return on assets of 1.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 1.7% the prior year. Earnings ranks banks on that return over three years, and GBank Financial Holdings Inc. scores 87/100 among other banks.
GBank Financial Holdings Inc. reported revenue of $1.2B in fiscal year 2025, against $62.4M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and GBank Financial Holdings Inc. scores 100/100 among other banks.
GBank Financial Holdings Inc. funded 12.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $165.8M of equity against $1.4B of assets. Capital ranks banks on that cushion, and GBank Financial Holdings Inc. scores 62/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. GBank Financial Holdings Inc. scores 100/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. GBank Financial Holdings Inc. scores 27/100 on it among other banks.
GBank Financial Holdings Inc. reported net income of $20.9M in fiscal year 2025, against $18.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and GBank Financial Holdings Inc. scores 98/100 among other banks.
GBank Financial Holdings Inc. passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
GBank Financial Holdings Inc. generated $21.9M in revenue in Q2 2026. This represents an increase of 23.5% from the same quarter a year earlier. Against the prior quarter it is up 11.7%.
GBank Financial Holdings Inc. reported $5.5M in net income in Q2 2026. This represents an increase of 14.9% from the same quarter a year earlier. Against the prior quarter it is up 315.4%.
GBank Financial Holdings Inc. earned $0.38 per diluted share (EPS) in Q2 2026. This represents an increase of 15.2% from the same quarter a year earlier. Against the prior quarter it is up 322.2%.
Not reported for Q2 2026.
Cash & Balance Sheet
GBank Financial Holdings Inc. generated $27.3M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 3151.2% from the same quarter a year earlier. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
GBank Financial Holdings Inc. held $141.3M in cash as of Q2 2026; no long-term debt figure is on record for that period.
Not reported for Q2 2026.
Margins & Returns
GBank Financial Holdings Inc.'s net profit margin was 24.9% in Q2 2026, showing the share of revenue converted to profit. This is down 1.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 18.2 percentage points.
GBank Financial Holdings Inc.'s quarterly ROE was 3.2% in Q2 2026: one quarter's net income over shareholder equity, not annualized. That is unchanged from the same quarter a year earlier. Against the prior quarter it is up 2.4 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
GBank Financial Holdings Inc. invested $175K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 821.1% from the same quarter a year earlier. Against the prior quarter it is down 16.7%.
Not reported for Q2 2026.
Not reported for Q2 2026.
GBFH Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $21.9M+23.5% | $19.6M+13.2% | $1.2B+6640.0% | $20.2M+24.8% | $17.8M+14.6% | $17.4M+31.4% | $17.5M | $16.2M |
| Interest Expense | $9.9M+21.6% | $9.4M+25.1% | $9.3M+18.7% | $8.6M+15.3% | $8.2M+14.4% | $7.5M+14.1% | $7.8M | $7.5M |
| Income Tax | $1.6M+9.4% | $139K-88.6% | $2.0M+63.7% | $1.3M-15.3% | $1.5M+5.3% | $1.2M+10.1% | $1.2M | $1.5M |
| Net Income | $5.5M+14.9% | $1.3M-70.6% | $7.4M+41.0% | $4.3M-14.1% | $4.8M+1.7% | $4.5M+20.8% | $5.2M | $5.0M |
| EPS (Basic) | $0.38+15.2% | $0.09-71.0% | $0.51+37.8% | $0.30-21.1% | $0.33-8.3% | $0.31+6.9% | $0.37 | $0.38 |
| EPS (Diluted) | $0.38+15.2% | $0.09-71.0% | $0.51+37.8% | $0.30-21.1% | $0.33-8.3% | $0.31+6.9% | $0.37 | $0.38 |
| Diluted Shares (Avg) | 15M-0.1% | 15M-0.3% | N/A | 15M+9.7% | 15M+12.2% | 15M+12.9% | N/A | 13M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
GBFH Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.4B+16.2% | $1.4B+17.1% | $1.4B+21.1% | $1.3B+24.2% | $1.2B+22.1% | $1.2B+23.5% | $1.1B | $1.0B |
| Cash & Equivalents | $141.3M-1.3% | $108.1M-26.5% | $197.9M+59.4% | $103.4M+45.7% | $143.2M+62.5% | $147.0M+171.3% | $124.1M | $71.0M |
| Total Liabilities | $1.3B+16.5% | $1.2B+17.5% | $1.2B+21.6% | $1.1B+22.7% | $1.1B+20.3% | $1.0B+21.2% | $981.7M | $931.6M |
| Total Equity | $172.8M+13.9% | $167.6M+14.3% | $165.8M+17.8% | $158.2M+35.9% | $151.7M+36.8% | $146.6M+42.9% | $140.7M | $116.4M |
| Retained Earnings | $92.1M+25.1% | $86.7M+25.8% | $85.4M+32.5% | $78.0M | $73.7M | $68.9M | $64.4M | N/A |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
GBFH Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $27.5M+3099.7% | -$10.1Mn/m | $26.7M-32.6% | -$12.2Mn/m | $859K-89.8% | -$5.7Mn/m | $39.6M | -$13.8M |
| Depreciation & Amortization | $66K+13.8% | $66K+13.8% | $62K-6.1% | $59K+9.3% | $58K+11.5% | $58K-29.3% | $66K | $54K |
| Stock-Based Compensation | N/A | $664K+15.7% | N/A | N/A | N/A | $574K+69.8% | N/A | N/A |
| Capital Expenditures | $175K+821.1% | $210K+556.3% | $301K+1268.2% | $144K+41.2% | $19K-9.5% | $32K-34.7% | $22K | $102K |
| Free Cash Flow | $27.3M+3151.2% | -$10.3Mn/m | $26.4M-33.3% | -$12.3Mn/m | $840K-90.0% | -$5.7Mn/m | $39.6M | -$13.9M |
| Investing Cash Flow | -$29.0Mn/m | -$112.7Mn/m | $16.9Mn/m | -$87.5Mn/m | -$41.1Mn/m | -$32.9Mn/m | -$57.3M | -$34.6M |
| Financing Cash Flow | $34.7M-4.9% | $33.0M-46.3% | $50.9M-28.2% | $59.9M+92.3% | $36.5M+3.0% | $61.4M+48.6% | $70.9M | $31.2M |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
GBFH Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 24.9%-1.9pp | 6.7%-19.1pp | 0.6%-29.3pp | 21.3%-9.7pp | 26.8%-3.4pp | 25.8%-2.3pp | 30.0% | 31.0% |
| Return on Equity | 3.2%0.0pp | 0.8%-2.3pp | 4.5%+0.7pp | 2.7%-1.6pp | 3.1%-1.1pp | 3.0%-0.6pp | 3.7% | 4.3% |
| Return on Assets | 0.4%0.0pp | 0.1%-0.3pp | 0.5%+0.1pp | 0.3%-0.1pp | 0.4%-0.1pp | 0.4%0.0pp | 0.5% | 0.5% |
| Liabilities-to-Equity | 7.28+0.2x | 7.32+0.2x | 7.20+0.2x | 7.23-0.8x | 7.12-1.0x | 7.12-1.3x | 6.98 | 8.00 |
| Asset Turnover | 0.020.0x | 0.010.0x | 0.87+0.9x | 0.020.0x | 0.010.0x | 0.010.0x | 0.02 | 0.02 |
| FCF Margin | 124.4% | -52.3%-19.4pp | 2.2% | -61.2%+24.6pp | 4.7%-49.4pp | -32.9%+26.2pp | 226.0% | -85.8% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| GBank Financial Holdings Inc. GBFH | FY2025 | $1.2B | $20.9M | 1.7% | $247.7M | 79/100 |
| Eagle Bancorp Inc EGBN | FY2025 | $299.2M | -$138.1M | -46.1% | $1.0B | 18/100 |
| Farmers National Banc Corp FMNB | FY2025 | $279.9M | $54.6M | 19.5% | $919.5M | 60/100 |
| Third Coast Bancshares, Inc. TCBX | FY2025 | $208.9M | $66.3M | 31.7% | $669.0M | 54/100 |
Where GBank Financial Holdings Inc. Ranks
Frequently Asked Questions
What is GBank Financial Holdings Inc.'s annual revenue?
GBank Financial Holdings Inc. (GBFH) reported $1.2B in total revenue for fiscal year 2025. This represents a 1879.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is GBank Financial Holdings Inc.'s revenue growing?
GBank Financial Holdings Inc. (GBFH) revenue grew by 1879.6% year-over-year, from $62.4M to $1.2B in fiscal year 2025.
Is GBank Financial Holdings Inc. profitable?
Yes, GBank Financial Holdings Inc. (GBFH) reported a net income of $18.5M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $20.9M, with a net profit margin of 1.7%.
What is GBank Financial Holdings Inc.'s net profit margin?
GBank Financial Holdings Inc. (GBFH) had a net profit margin of 1.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is GBank Financial Holdings Inc.'s return on equity (ROE)?
GBank Financial Holdings Inc. (GBFH) has a return on equity of 12.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is GBank Financial Holdings Inc.'s free cash flow?
GBank Financial Holdings Inc. (GBFH) generated $9.1M in free cash flow during fiscal year 2025. This represents a -65.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is GBank Financial Holdings Inc.'s operating cash flow?
GBank Financial Holdings Inc. (GBFH) generated $9.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are GBank Financial Holdings Inc.'s total assets?
GBank Financial Holdings Inc. (GBFH) had $1.4B in total assets as of fiscal year 2025, including both current and long-term assets.
What are GBank Financial Holdings Inc.'s capital expenditures?
GBank Financial Holdings Inc. (GBFH) invested $496K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is GBank Financial Holdings Inc.'s liabilities-to-equity ratio?
GBank Financial Holdings Inc. (GBFH) had a liabilities-to-equity ratio of 7.20 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
What is GBank Financial Holdings Inc.'s return on assets (ROA)?
GBank Financial Holdings Inc. (GBFH) had a return on assets of 1.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is GBank Financial Holdings Inc.'s P/E ratio?
GBank Financial Holdings Inc. (GBFH) trades at 13.4x earnings, its market capitalization divided by $18.5M net income, trailing 12 months to June 30, 2026. The market capitalization is $247.7M as of Oct 28, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is GBank Financial Holdings Inc.'s price-to-sales ratio?
GBank Financial Holdings Inc. (GBFH) trades at 0.2x sales, its market capitalization divided by $1.2B revenue, trailing 12 months to June 30, 2026. The market capitalization is $247.7M as of Oct 28, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is GBank Financial Holdings Inc.'s Piotroski F-Score?
GBank Financial Holdings Inc. (GBFH) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
How financially healthy is GBank Financial Holdings Inc.?
GBank Financial Holdings Inc. (GBFH) scores 79 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.