GBank Financial Holdings Financials
This page shows GBank Financial Holdings (GBFH) financial statements, including the 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).
Balance-sheet expansion, not cleaner cash generation, drove FY2025 as reported revenue scale exploded without a matching lift in shareholder returns.
The latest year showed reported revenue of$1.24B versus$75.2M a year earlier, an enormous change in presentation scale. Yet ROA and ROE stayed near1.5% and13% , so the larger revenue base did not translate into proportionately better economics for shareholders; the profit earned on that larger base stayed broadly unchanged.
Cash conversion weakened on a reported basis: operating cash flow fell below net income in FY2025, whereas it exceeded profit in FY2024. That shift means more of the year's earnings stayed tied up inside the balance sheet instead of arriving as spendable cash, which makes internally funded growth less robust than the income statement alone suggests about day-to-day funding capacity.
The company’s funding posture remained highly leveraged, with debt-to-equity at 7.2x and liabilities rising to
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of GBank Financial Holdings'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's revenue surged 1541.7% year-over-year to $1.2B, reflecting rapid business expansion. This strong growth earns a score of 100/100.
GBank Financial Holdings has elevated debt relative to equity (D/E of 7.20), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
GBank Financial Holdings has a free cash flow margin of 0.7%, earning a moderate score of 59/100. The company generates positive cash flow after capital investments, but with room for improvement.
GBank Financial Holdings's ROE of 12.6% shows moderate profitability relative to equity, earning a score of 40/100. This is down from 13.3% the prior year.
GBank Financial Holdings passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, GBank Financial Holdings generates $0.46 in operating cash flow ($9.6M OCF vs $20.9M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Key Financial Metrics
Earnings & Revenue
GBank Financial Holdings generated $1.2B in revenue in fiscal year 2025. This represents an increase of 1541.7% from the prior year.
GBank Financial Holdings reported $20.9M in net income in fiscal year 2025. This represents an increase of 12.3% from the prior year.
GBank Financial Holdings earned $1.44 per diluted share (EPS) in fiscal year 2025. This represents an increase of 3.6% from the prior year.
Cash & Balance Sheet
GBank Financial Holdings generated $9.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 65.2% from the prior year.
GBank Financial Holdings held $197.9M in cash against $0 in long-term debt as of fiscal year 2025.
GBank Financial Holdings had 14M shares outstanding in fiscal year 2025. This represents an increase of 0.9% from the prior year.
Margins & Returns
GBank Financial Holdings's net profit margin was 1.7% in fiscal year 2025, showing the share of revenue converted to profit. This is down 23.1 percentage points from the prior year.
GBank Financial Holdings's ROE was 12.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.6 percentage points from the prior year.
Capital Allocation
GBank Financial Holdings invested $496K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 155.7% from the prior year.
GBFH Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $21.6M-98.2% | $1.2B+5326.9% | $21.6M+5.2% | $20.6M+5.9% | $19.4M-1.0% | $19.6M-0.7% | $19.7M+6.8% | $18.5M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $6.8M+8.2% | $6.2M-5.4% | $6.6M+5.7% | $6.2M-2.6% | $6.4M+10.1% | $5.8M+5.8% | $5.5M-4.5% | $5.8M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $9.4M+1.3% | $9.3M+7.7% | $8.6M+5.6% | $8.2M+8.7% | $7.5M-3.9% | $7.8M+4.5% | $7.5M+4.8% | $7.1M |
| Income Tax | $139K-93.1% | $2.0M+58.1% | $1.3M-13.7% | $1.5M+21.4% | $1.2M-1.1% | $1.2M-18.2% | $1.5M+7.2% | $1.4M |
| Net Income | $1.3M-82.2% | $7.4M+71.7% | $4.3M-9.4% | $4.8M+6.4% | $4.5M-14.8% | $5.2M+4.6% | $5.0M+7.2% | $4.7M |
| EPS (Diluted) | $0.09 | N/A | $0.30-9.1% | $0.33+6.5% | $0.31 | N/A | $0.38+5.6% | $0.36 |
GBFH Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.4B+2.5% | $1.4B+4.5% | $1.3B+5.6% | $1.2B+3.6% | $1.2B+6.0% | $1.1B+7.1% | $1.0B+3.8% | $1.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $108.1M-45.4% | $197.9M+91.4% | $103.4M-27.8% | $143.2M-2.5% | $147.0M+18.4% | $124.1M+74.9% | $71.0M-19.5% | $88.2M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $1.2B+2.7% | $1.2B+4.4% | $1.1B+5.8% | $1.1B+3.6% | $1.0B+6.3% | $981.7M+5.4% | $931.6M+3.7% | $898.4M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $100K | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $167.6M+1.1% | $165.8M+4.8% | $158.2M+4.2% | $151.7M+3.5% | $146.6M+4.2% | $140.7M+20.9% | $116.4M+4.9% | $110.9M |
| Retained Earnings | $86.7M+1.5% | $85.4M+9.5% | $78.0M+5.8% | $73.7M+6.9% | $68.9M+6.9% | $64.4M | N/A | N/A |
GBFH Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$10.1M-137.8% | $26.7M+318.5% | -$12.2M-1520.7% | $859K+115.1% | -$5.7M-114.4% | $39.6M+387.5% | -$13.8M-263.5% | $8.4M |
| Capital Expenditures | $210K-30.2% | $301K+109.0% | $144K+657.9% | $19K-40.6% | $32K+45.5% | $22K-78.4% | $102K+385.7% | $21K |
| Free Cash Flow | -$10.3M-139.0% | $26.4M+313.5% | -$12.3M-1570.0% | $840K+114.7% | -$5.7M-114.4% | $39.6M+385.3% | -$13.9M-265.1% | $8.4M |
| Investing Cash Flow | -$112.7M-765.9% | $16.9M+119.3% | -$87.5M-112.9% | -$41.1M-25.0% | -$32.9M+42.6% | -$57.3M-65.8% | -$34.6M-249.8% | -$9.9M |
| Financing Cash Flow | $33.0M-35.2% | $50.9M-15.1% | $59.9M+64.1% | $36.5M-40.6% | $61.4M-13.4% | $70.9M+127.6% | $31.2M-12.1% | $35.4M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
GBFH Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 6.1%+5.5pp | 0.6%-19.3pp | 19.9%-3.2pp | 23.1%+0.1pp | 23.0%-3.7pp | 26.7%+1.3pp | 25.4%+0.1pp | 25.3% |
| Return on Equity | 0.8%-3.7pp | 4.5%+1.7pp | 2.7%-0.4pp | 3.1%+0.1pp | 3.0%-0.7pp | 3.7%-0.6pp | 4.3%+0.1pp | 4.2% |
| Return on Assets | 0.1%-0.5pp | 0.5%+0.2pp | 0.3%-0.1pp | 0.4%0.0pp | 0.4%-0.1pp | 0.5%0.0pp | 0.5%+0.0pp | 0.5% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.32+0.1 | 7.20-0.0 | 7.23+0.1 | 7.120.0 | 7.12+0.1 | 6.98-1.0 | 8.00-0.1 | 8.10 |
| FCF Margin | -47.6%-49.9pp | 2.3%+59.4pp | -57.1%-61.2pp | 4.1%+33.5pp | -29.4%-231.2pp | 201.7%+272.0pp | -70.3%-115.7pp | 45.4% |
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Frequently Asked Questions
What is GBank Financial Holdings's annual revenue?
GBank Financial Holdings (GBFH) reported $1.2B in total revenue for fiscal year 2025. This represents a 1541.7% 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's revenue growing?
GBank Financial Holdings (GBFH) revenue grew by 1541.7% year-over-year, from $75.2M to $1.2B in fiscal year 2025.
Is GBank Financial Holdings profitable?
Yes, GBank Financial Holdings (GBFH) reported a net income of $20.9M in fiscal year 2025, with a net profit margin of 1.7%.
What is GBank Financial Holdings's net profit margin?
GBank Financial Holdings (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's return on equity (ROE)?
GBank Financial Holdings (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's free cash flow?
GBank Financial Holdings (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's operating cash flow?
GBank Financial Holdings (GBFH) generated $9.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are GBank Financial Holdings's total assets?
GBank Financial Holdings (GBFH) had $1.4B in total assets as of fiscal year 2025, including both current and long-term assets.
What are GBank Financial Holdings's capital expenditures?
GBank Financial Holdings (GBFH) invested $496K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is GBank Financial Holdings's debt-to-equity ratio?
GBank Financial Holdings (GBFH) had a debt-to-equity ratio of 7.20 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is GBank Financial Holdings's return on assets (ROA)?
GBank Financial Holdings (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's Piotroski F-Score?
GBank Financial Holdings (GBFH) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. 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.
Are GBank Financial Holdings's earnings high quality?
GBank Financial Holdings (GBFH) has an earnings quality ratio of 0.46x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is GBank Financial Holdings?
GBank Financial Holdings (GBFH) scores 33 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.