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GBank Financial Holdings Inc.(GBFH)Earnings, Financials & Key Ratios
GBFH•NASDAQ•Banking & Credit
$29.99
20.8× P/E·Price updated Jun 25, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutGBank Financial Holdings Inc. operates as a bank holding company for Bank of George that provides banking products and services in Nevada. The company offers business and personal checking accounts. It also provides personal saving services, including money market accounts, certificates of deposit, and personal savings accounts; and business savings, which includes business money market accounts, business certificates of deposit, and business savings accounts. In addition, it offers personal and small business administration loans; and business loans, including commercial real estate loans, business lines of credit, equipment loans, term loans, accounts receivable/inventory financing, and medical/professional loans. Further, the company provides online and mobile banking services, and other personal and business account services. GBank Financial Holdings Inc. was founded in 2007 and is based in Las Vegas, Nevada.Show more
- Net Interest Income$51M+9.8%
- Total Revenue$110M+82.3%
- Net Income$21M+12.3%
- Return on Equity13.66%-12.4%
- Net Interest Margin3.73%-9.1%
- Efficiency Ratio41.13%-31.7%
- ROA1.68%-7.6%
- Equity / Assets12.19%-2.5%
- Book Value per Share11.44+9.2%
GBFH Price & Volume
GBank Financial Holdings Inc. (GBFH) stock price & volume — 10-year historical chart
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SBA Revenue Volatility Strains Regional Bank Stability
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:SBA secondary market volatility
Key Thesis Takeaways
- GBank Financial Holdings faces significant earnings uncertainty driven by its heavy reliance on volatile SBA gain-on-sale premiums, which caused non-interest income to swing to a negative $3.4 million in 2024Q4.
- While the bank has expanded total assets to $1.4 billion, the shift toward a large $1.3 billion securities portfolio suggests a pivot that may exacerbate duration risk and liquidity constraints.
- Investors should remain cautious as the institution struggles to maintain consistent profitability, evidenced by a 2026Q1 net income of only $1.3 million and a compressed net interest margin of 0.9%.
Verdict Logic
the bank's reliance on volatile fee income and a declining cash position, highlighted by a negative $10.1 million operating cash flow in 2026Q1, presents substantial risks to long-term capital preservation.
GBFH Growth Metrics
GBank Financial Holdings Inc. (GBFH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years30.74%
3 Years34.31%
TTM-
Profit CAGR
10 Years-
5 Years24.56%
3 Years24.41%
TTM-8.41%
EPS CAGR
10 Years-
5 Years20.36%
3 Years19.68%
TTM-12.72%
Return on Capital
10 Years13.23%
5 Years9.67%
3 Years6.82%
Last Year2.9%
GBFH Recent Earnings
GBank Financial Holdings Inc. (GBFH) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (50%)●Beat Revenue 5/12 qtrs (83%)
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$0.31-38.0%
$0.50
Rev
$20M-11.1%
$22M
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.52+3.4%
$0.50
Rev
$21M+1.1%
$21M
Q4 2025
Oct 28, 2025Metric
Actual
Est
EPS
$0.44-2.2%
$0.45
Rev
$28M
—
Q3 2025
Jul 28, 2025Metric
Actual
Est
EPS
$0.33-15.4%
$0.39
Rev
$26M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.31vs $0.50-38.0% | $20Mvs $22M-11.1% |
| Q1 2026 | Jan 28, 2026 | $0.52vs $0.50+3.4% | $21Mvs $21M+1.1% |
| Q4 2025 | Oct 28, 2025 | $0.44vs $0.45-2.2% | $28M |
| Q3 2025 | Jul 28, 2025 | $0.33vs $0.39-15.4% | $26M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for GBank Financial Holdings Inc. (GBFH)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $29.99 | $433.97M | 20.83 | 82.26% | 19.09% | 13.66% | — | |
| $9.58 | $88.89M | -2.97 | -3.76% | -31.46% | -7.65% | — | |
| $1.48 | $7.82M | -0.56 | -8.28% | -35.2% | -44.42% | — | |
| $22.82 | $220.08M | 15.63 | -9.41% | 16.49% | 8% | — | |
| $26.72 | $369.65M | 8.22 | -1.55% | 28.51% | 12.62% | — | |
| $49.26 | $2.56B | 14.79 | 10.36% | 19.66% | 9.83% | — |
Compare GBFH vs Peers
GBank Financial Holdings Inc. (GBFH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
GBFH SEC Filings & Documents
GBank Financial Holdings Inc. (GBFH) SEC filings — annual & quarterly reports (10-K, 10-Q)
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GBFH Frequently Asked Questions
GBank Financial Holdings Inc. (GBFH) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is GBank Financial Holdings Inc. growing?
GBank Financial Holdings Inc. (GBFH) grew revenue by 82.3% over the past year. This is strong growth.
Is GBFH profitable?
Yes, GBank Financial Holdings Inc. (GBFH) is profitable, generating $17.8M in net income for fiscal year 2025 (19.1% net margin).
Dividend & Returns
What is GBFH's return on equity?
GBank Financial Holdings Inc. (GBFH) has a return on equity (ROE) of 13.7%. This is reasonable for most industries.
Industry Metrics
What is GBank Financial Holdings Inc.'s net interest margin?
GBank Financial Holdings Inc. (GBFH) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.
What is GBank Financial Holdings Inc.'s efficiency ratio?
GBank Financial Holdings Inc. (GBFH) has an efficiency ratio of 41.1%. This is excellent, indicating strong cost control.