GBank Financial Holdings Inc. (GBFH) 10-Year Financial Performance & Capital Metrics

GBFH • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingWest Coast Community 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 $0 -100.0%
Total Revenue $60M +2.0%
Net Income $19M +70.7%
Return on Equity 15.59% +32.2%
Net Interest Margin 0% -100.0%
Efficiency Ratio 51.8% -2.0%
ROA 1.82% +33.3%
Equity / Assets 12.5% +16.6%
Book Value per Share 10.48 +38.9%
Tangible BV/Share 10.48 +49.6%
Debt/Equity 0.22 -64.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 28.5%
✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 51.8% efficiency ratio
✓Well capitalized: 12.5% equity/assets
✓Diversified revenue: 100.0% from non-interest income

✗Weaknesses

✗Weak momentum: RS Rating 18 (bottom 18%)

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y23.03%

3Y16.03%

TTM-

Profit (Net Income) CAGR

10Y-

5Y28.45%

3Y19.3%

TTM10.29%

EPS CAGR

10Y-

5Y25.87%

3Y17.81%

TTM3.13%

ROCE

10Y Avg14.72%

5Y Avg12.54%

3Y Avg10.45%

Latest8.81%

Peer Comparison

West Coast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BCALSouthern California Bancorp	608.64M	18.83	85.59	45.45%	2.94%	11.23%	8.17%	0.17
CWBCCommunity West Bancshares	447.97M	23.38	51.96	51.89%	4.67%	6.95%	3.83%	0.56
GBCIGlacier Bancorp, Inc.	6.29B	48.39	28.80	11.64%	15.27%	6.57%	3.34%	1.18
GBFHGBank Financial Holdings Inc.	465.21M	32.36	23.28	2%	30.99%	11.8%	5.65%	0.22
BOHBank of Hawaii Corporation	2.86B	71.86	20.77	6.6%	14.57%	10.28%	5.9%	0.45
HFWAHeritage Financial Corporation	867.93M	25.56	20.61	4.64%	13.64%	6.33%	7.03%	0.47
HTBKHeritage Commerce Corp	786.28M	12.82	19.42	3.35%	16.12%	6.19%	4.75%	0.06
NRIMNorthrim BanCorp, Inc.	640.63M	29.00	17.47	23.77%	18.87%	19.99%		0.15

Profit & Loss

	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	8.01M	10.47M	14.17M	15.29M	17.62M	25.35M	38.09M	0
NII Growth %	-	0.31%	0.35%	0.08%	0.15%	0.44%	0.5%	-1%
Net Interest Margin %	-	-	-	-	-	-	-	-
Interest Income	8.36M	11.22M	16.23M	16.8M	19.09M	28.68M	51.28M	0
Interest Expense	354.47K	746.64K	2.06M	1.51M	1.47M	3.42M	13.19M	0
Loan Loss Provision	177K	400K	1.48M	2.01M	1.08M	1.35M	1.09M	0
Non-Interest Income+	5.47M	5.18M	5.11M	11.89M	19.41M	16.56M	7.68M	60.14M
Non-Interest Income %	-	-	-	-	-	-	-	-
Total Revenue+	13.83M	16.4M	21.34M	28.69M	38.5M	45.24M	58.96M	60.14M
Revenue Growth %	-	0.19%	0.3%	0.34%	0.34%	0.18%	0.3%	0.02%
Non-Interest Expense	7.82M	9.28M	11.05M	15.84M	21.51M	26.44M	31.16M	31.15M
Efficiency Ratio	-	-	-	-	-	-	-	-
Operating Income+	5.49M	5.97M	6.75M	9.33M	14.44M	14.03M	13.53M	28.99M
Operating Margin %	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.09%	0.13%	0.38%	0.55%	-0.03%	-0.04%	1.14%
Pretax Income+	5.49M	5.97M	6.75M	9.33M	14.44M	14.03M	13.53M	23.91M
Pretax Margin %	-	-	-	-	-	-	-	-
Income Tax+	2.69M	1.27M	1.42M	2.35M	3.47M	3.17M	2.61M	5.27M
Effective Tax Rate %	-	-	-	-	-	-	-	-
Net Income+	2.8M	4.69M	5.33M	6.98M	10.98M	10.87M	10.92M	18.64M
Net Margin %	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.68%	0.14%	0.31%	0.57%	-0.01%	0%	0.71%
Net Income (Continuing)	2.8M	4.69M	5.33M	6.98M	10.98M	10.87M	10.92M	18.64M
EPS (Diluted)+	0.23	0.39	0.44	0.57	0.85	0.84	0.84	1.39
EPS Growth %	-	0.7%	0.13%	0.3%	0.49%	-0.01%	0%	0.65%
EPS (Basic)	0.23	0.39	0.44	0.57	0.90	0.87	0.86	1.41
Diluted Shares Outstanding	12.18M	12.18M	12.18M	12.18M	12.87M	12.88M	13.04M	13.43M

Balance Sheet

	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Cash & Due from Banks	65.61M	57.54M	101.5M	150.38M	236.4M	136.44M	97.93M	0
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Total Investments+	133.23M	170.36M	230.27M	303.1M	353.8M	506.11M	777.01M	0
Investments Growth %	-	0.28%	0.35%	0.32%	0.17%	0.43%	0.54%	-1%
Long-Term Investments	128.36M	166.43M	226.82M	300.25M	350.08M	503.13M	774.35M	0
Accounts Receivables	619.87K	1000K	1000K	1000K	1000K	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0
Intangible Assets	2.99M	4.13M	4.8M	7.08M	8.16M	9.36M	7.05M	0
PP&E (Net)	1.13M	1.43M	1.47M	1.27M	2.83M	3.82M	6.23M	5.35M
Other Assets	3.5M	3.56M	4.77M	4.8M	14.91M	22.98M	30.15M	-9.67M
Total Current Assets	71.1M	62.5M	106.92M	156.37M	243.16M	139.41M	100.59M	131.19M
Total Non-Current Assets	137.28M	175.95M	238.33M	314.26M	377.15M	539.29M	817.79M	0
Total Assets+	208.37M	238.44M	344.33M	470.64M	620.3M	678.7M	918.38M	1.13B
Asset Growth %	-	0.14%	0.44%	0.37%	0.32%	0.09%	0.35%	0.23%
Return on Assets (ROA)	0.01%	0.02%	0.02%	0.02%	0.02%	0.02%	0.01%	0.02%
Accounts Payable	1.94M	3.53M	4.79M	5.41M	1.92M	2.98M	0	0
Total Debt+	0	0	0	11.31M	27.8M	28.92M	61.51M	30.93M
Net Debt	-65.61M	-57.54M	-101.5M	-139.07M	-208.6M	-107.52M	-36.42M	30.93M
Long-Term Debt	0	0	0	11.31M	25.88M	25.94M	26.01M	26.09M
Short-Term Debt	0	0	0	0	0	0	30M	907K
Other Liabilities	0	0	0	0	5.23M	4.57M	12.74M	-33.23M
Total Current Liabilities	179.21M	203.93M	301.63M	394.71M	511.48M	558.41M	775.7M	610.42M
Total Non-Current Liabilities	0	0	0	11.31M	33.02M	33.49M	44.25M	0
Total Liabilities	179.21M	203.93M	301.63M	406.02M	544.51M	591.91M	819.95M	984.87M
Total Equity+	29.16M	34.52M	42.7M	64.62M	75.8M	86.8M	98.43M	140.7M
Equity Growth %	-	0.18%	0.24%	0.51%	0.17%	0.15%	0.13%	0.43%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.1%	0.15%	0.14%	0.13%	0.16%	0.13%	0.12%	0.16%
Book Value per Share	2.39	2.83	3.51	5.30	5.89	6.74	7.55	10.48
Tangible BV per Share	-	-	-	-	-	-	-	-
Common Stock	871	910	960	1.22K	1K	1K	1K	1K
Additional Paid-in Capital	33.16M	33.83M	36.66M	51.57M	51.77M	52.12M	52.88M	77.57M
Retained Earnings	-3.97M	728.8K	6.06M	13.04M	24.01M	34.88M	45.8M	64.44M
Accumulated OCI	-31.95K	-45.5K	-13.95K	13.03K	13.09K	-210K	-252K	-1.31M
Treasury Stock	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-698.76K	-6.19M	-8.23M	27.59M	-12.15M	9.77M	-37.59M	26.48M
Operating CF Growth %	-	-7.86%	-0.33%	4.35%	-1.44%	1.8%	-4.85%	1.7%
Net Income	2.8M	4.69M	5.33M	6.98M	10.98M	10.87M	10.92M	18.64M
Depreciation & Amortization	274.74K	315.09K	409.08K	452.62K	4.68M	5.88M	7.21M	5.59M
Deferred Taxes	-4.42M	0	0	0	0	0	0	0
Other Non-Cash Items	-5.8M	-12.26M	-13.67M	23.86M	-28.88M	-3.59M	-54.98M	267K
Working Capital Changes	1.97M	954.73K	-431.68K	-3.77M	929K	-3.62M	-1.48M	53K
Cash from Investing+	-57.78K	-24.86M	-46.95M	-97.32M	-36.73M	-155.73M	-221.19M	-179.13M
Purchase of Investments	0	0	0	0	-1.39M	-104.44M	-4.79M	0
Sale/Maturity of Investments	923.41K	921.75K	506.94K	629.48K	510.64K	518K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0
Other Investing	-834.02K	-25.16M	-47.01M	-97.69M	-35.75M	-51.49M	-228.55M	-178.94M
Cash from Financing+	45.56M	23.69M	99.14M	118.61M	134.89M	46M	220.27M	178.84M
Dividends Paid	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	0	0	0
Stock Issued	968.32K	559.06K	2.65M	14.84M	56.96K	129K	7K	19.46M
Net Stock Activity	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	0	0	1000K	1000K	0	1000K	-1000K
Other Financing	44.6M	23.69M	96.48M	92.46M	120.26M	45.87M	190.27M	189.38M
Net Change in Cash+	44.81M	-7.36M	43.96M	48.88M	86.01M	-99.96M	-38.5M	26.19M
Exchange Rate Effect	0	0	0	0	0	0	0	0
Cash at Beginning	20.1M	64.91M	57.54M	101.5M	150.38M	236.4M	136.44M	97.93M
Cash at End	64.91M	57.54M	101.5M	150.38M	236.4M	136.44M	97.93M	124.12M
Interest Paid	0	721.63K	1.89M	1.55M	1.29M	3.37M	11.79M	27.5M
Income Taxes Paid	0	283.42K	1.74M	1.71M	2.08M	3.72M	3.02M	0
Free Cash Flow+	-845.92K	-6.81M	-8.67M	27.34M	-12.25M	9.45M	-37.91M	26.29M
FCF Growth %	-	-7.05%	-0.27%	4.15%	-1.45%	1.77%	-5.01%	1.69%

Banking Ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	9.6%	14.74%	13.8%	13.01%	15.63%	13.37%	11.79%	15.59%
Return on Assets (ROA)	1.34%	2.1%	1.83%	1.71%	2.01%	1.67%	1.37%	1.82%
Net Interest Margin	3.84%	4.39%	4.12%	3.25%	2.84%	3.73%	4.15%	0%
Efficiency Ratio	56.5%	56.62%	51.79%	55.2%	55.86%	58.44%	52.84%	51.8%
Equity / Assets	14%	14.48%	12.4%	13.73%	12.22%	12.79%	10.72%	12.5%
Book Value / Share	2.39	2.83	3.51	5.3	5.89	6.74	7.55	10.48
NII Growth	-	30.73%	35.34%	7.87%	15.29%	43.83%	50.29%	-100%

Frequently Asked Questions

Valuation & Price

GBank Financial Holdings Inc. (GBFH) has a price-to-earnings (P/E) ratio of 23.3x. This is roughly in line with market averages.

Growth & Financials

GBank Financial Holdings Inc. (GBFH) grew revenue by 2.0% over the past year. Growth has been modest.

Yes, GBank Financial Holdings Inc. (GBFH) is profitable, generating $18.7M in net income for fiscal year 2024 (31.0% net margin).

Dividend & Returns

GBank Financial Holdings Inc. (GBFH) has a return on equity (ROE) of 15.6%. This is reasonable for most industries.

Industry Metrics

GBank Financial Holdings Inc. (GBFH) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.

GBank Financial Holdings Inc. (GBFH) has an efficiency ratio of 51.8%. This is excellent, indicating strong cost control.

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GBank Financial Holdings Inc. (GBFH) 10-Year Financial Performance & Capital Metrics

GBFH • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingWest Coast Community Banks

Net Interest Income $0 -100.0%
Total Revenue $60M +2.0%
Net Income $19M +70.7%
Return on Equity 15.59% +32.2%
Net Interest Margin 0% -100.0%
Efficiency Ratio 51.8% -2.0%
ROA 1.82% +33.3%
Equity / Assets 12.5% +16.6%
Book Value per Share 10.48 +38.9%
Tangible BV/Share 10.48 +49.6%
Debt/Equity 0.22 -64.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 28.5%
✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 51.8% efficiency ratio
✓Well capitalized: 12.5% equity/assets
✓Diversified revenue: 100.0% from non-interest income

✗Weaknesses

✗Weak momentum: RS Rating 18 (bottom 18%)

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y23.03%

3Y16.03%

TTM-

Profit (Net Income) CAGR

10Y-

5Y28.45%

3Y19.3%

TTM10.29%

EPS CAGR

10Y-

5Y25.87%

3Y17.81%

TTM3.13%

ROCE

10Y Avg14.72%

5Y Avg12.54%

3Y Avg10.45%

Latest8.81%

Peer Comparison

West Coast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BCALSouthern California Bancorp	608.64M	18.83	85.59	45.45%	2.94%	11.23%	8.17%	0.17
CWBCCommunity West Bancshares	447.97M	23.38	51.96	51.89%	4.67%	6.95%	3.83%	0.56
GBCIGlacier Bancorp, Inc.	6.29B	48.39	28.80	11.64%	15.27%	6.57%	3.34%	1.18
GBFHGBank Financial Holdings Inc.	465.21M	32.36	23.28	2%	30.99%	11.8%	5.65%	0.22
BOHBank of Hawaii Corporation	2.86B	71.86	20.77	6.6%	14.57%	10.28%	5.9%	0.45
HFWAHeritage Financial Corporation	867.93M	25.56	20.61	4.64%	13.64%	6.33%	7.03%	0.47
HTBKHeritage Commerce Corp	786.28M	12.82	19.42	3.35%	16.12%	6.19%	4.75%	0.06
NRIMNorthrim BanCorp, Inc.	640.63M	29.00	17.47	23.77%	18.87%	19.99%		0.15

Profit & Loss

	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	8.01M	10.47M	14.17M	15.29M	17.62M	25.35M	38.09M	0
NII Growth %	-	0.31%	0.35%	0.08%	0.15%	0.44%	0.5%	-1%
Net Interest Margin %	-	-	-	-	-	-	-	-
Interest Income	8.36M	11.22M	16.23M	16.8M	19.09M	28.68M	51.28M	0
Interest Expense	354.47K	746.64K	2.06M	1.51M	1.47M	3.42M	13.19M	0
Loan Loss Provision	177K	400K	1.48M	2.01M	1.08M	1.35M	1.09M	0
Non-Interest Income+	5.47M	5.18M	5.11M	11.89M	19.41M	16.56M	7.68M	60.14M
Non-Interest Income %	-	-	-	-	-	-	-	-
Total Revenue+	13.83M	16.4M	21.34M	28.69M	38.5M	45.24M	58.96M	60.14M
Revenue Growth %	-	0.19%	0.3%	0.34%	0.34%	0.18%	0.3%	0.02%
Non-Interest Expense	7.82M	9.28M	11.05M	15.84M	21.51M	26.44M	31.16M	31.15M
Efficiency Ratio	-	-	-	-	-	-	-	-
Operating Income+	5.49M	5.97M	6.75M	9.33M	14.44M	14.03M	13.53M	28.99M
Operating Margin %	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.09%	0.13%	0.38%	0.55%	-0.03%	-0.04%	1.14%
Pretax Income+	5.49M	5.97M	6.75M	9.33M	14.44M	14.03M	13.53M	23.91M
Pretax Margin %	-	-	-	-	-	-	-	-
Income Tax+	2.69M	1.27M	1.42M	2.35M	3.47M	3.17M	2.61M	5.27M
Effective Tax Rate %	-	-	-	-	-	-	-	-
Net Income+	2.8M	4.69M	5.33M	6.98M	10.98M	10.87M	10.92M	18.64M
Net Margin %	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.68%	0.14%	0.31%	0.57%	-0.01%	0%	0.71%
Net Income (Continuing)	2.8M	4.69M	5.33M	6.98M	10.98M	10.87M	10.92M	18.64M
EPS (Diluted)+	0.23	0.39	0.44	0.57	0.85	0.84	0.84	1.39
EPS Growth %	-	0.7%	0.13%	0.3%	0.49%	-0.01%	0%	0.65%
EPS (Basic)	0.23	0.39	0.44	0.57	0.90	0.87	0.86	1.41
Diluted Shares Outstanding	12.18M	12.18M	12.18M	12.18M	12.87M	12.88M	13.04M	13.43M

Balance Sheet

	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Cash & Due from Banks	65.61M	57.54M	101.5M	150.38M	236.4M	136.44M	97.93M	0
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Total Investments+	133.23M	170.36M	230.27M	303.1M	353.8M	506.11M	777.01M	0
Investments Growth %	-	0.28%	0.35%	0.32%	0.17%	0.43%	0.54%	-1%
Long-Term Investments	128.36M	166.43M	226.82M	300.25M	350.08M	503.13M	774.35M	0
Accounts Receivables	619.87K	1000K	1000K	1000K	1000K	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0
Intangible Assets	2.99M	4.13M	4.8M	7.08M	8.16M	9.36M	7.05M	0
PP&E (Net)	1.13M	1.43M	1.47M	1.27M	2.83M	3.82M	6.23M	5.35M
Other Assets	3.5M	3.56M	4.77M	4.8M	14.91M	22.98M	30.15M	-9.67M
Total Current Assets	71.1M	62.5M	106.92M	156.37M	243.16M	139.41M	100.59M	131.19M
Total Non-Current Assets	137.28M	175.95M	238.33M	314.26M	377.15M	539.29M	817.79M	0
Total Assets+	208.37M	238.44M	344.33M	470.64M	620.3M	678.7M	918.38M	1.13B
Asset Growth %	-	0.14%	0.44%	0.37%	0.32%	0.09%	0.35%	0.23%
Return on Assets (ROA)	0.01%	0.02%	0.02%	0.02%	0.02%	0.02%	0.01%	0.02%
Accounts Payable	1.94M	3.53M	4.79M	5.41M	1.92M	2.98M	0	0
Total Debt+	0	0	0	11.31M	27.8M	28.92M	61.51M	30.93M
Net Debt	-65.61M	-57.54M	-101.5M	-139.07M	-208.6M	-107.52M	-36.42M	30.93M
Long-Term Debt	0	0	0	11.31M	25.88M	25.94M	26.01M	26.09M
Short-Term Debt	0	0	0	0	0	0	30M	907K
Other Liabilities	0	0	0	0	5.23M	4.57M	12.74M	-33.23M
Total Current Liabilities	179.21M	203.93M	301.63M	394.71M	511.48M	558.41M	775.7M	610.42M
Total Non-Current Liabilities	0	0	0	11.31M	33.02M	33.49M	44.25M	0
Total Liabilities	179.21M	203.93M	301.63M	406.02M	544.51M	591.91M	819.95M	984.87M
Total Equity+	29.16M	34.52M	42.7M	64.62M	75.8M	86.8M	98.43M	140.7M
Equity Growth %	-	0.18%	0.24%	0.51%	0.17%	0.15%	0.13%	0.43%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.1%	0.15%	0.14%	0.13%	0.16%	0.13%	0.12%	0.16%
Book Value per Share	2.39	2.83	3.51	5.30	5.89	6.74	7.55	10.48
Tangible BV per Share	-	-	-	-	-	-	-	-
Common Stock	871	910	960	1.22K	1K	1K	1K	1K
Additional Paid-in Capital	33.16M	33.83M	36.66M	51.57M	51.77M	52.12M	52.88M	77.57M
Retained Earnings	-3.97M	728.8K	6.06M	13.04M	24.01M	34.88M	45.8M	64.44M
Accumulated OCI	-31.95K	-45.5K	-13.95K	13.03K	13.09K	-210K	-252K	-1.31M
Treasury Stock	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-698.76K	-6.19M	-8.23M	27.59M	-12.15M	9.77M	-37.59M	26.48M
Operating CF Growth %	-	-7.86%	-0.33%	4.35%	-1.44%	1.8%	-4.85%	1.7%
Net Income	2.8M	4.69M	5.33M	6.98M	10.98M	10.87M	10.92M	18.64M
Depreciation & Amortization	274.74K	315.09K	409.08K	452.62K	4.68M	5.88M	7.21M	5.59M
Deferred Taxes	-4.42M	0	0	0	0	0	0	0
Other Non-Cash Items	-5.8M	-12.26M	-13.67M	23.86M	-28.88M	-3.59M	-54.98M	267K
Working Capital Changes	1.97M	954.73K	-431.68K	-3.77M	929K	-3.62M	-1.48M	53K
Cash from Investing+	-57.78K	-24.86M	-46.95M	-97.32M	-36.73M	-155.73M	-221.19M	-179.13M
Purchase of Investments	0	0	0	0	-1.39M	-104.44M	-4.79M	0
Sale/Maturity of Investments	923.41K	921.75K	506.94K	629.48K	510.64K	518K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0
Other Investing	-834.02K	-25.16M	-47.01M	-97.69M	-35.75M	-51.49M	-228.55M	-178.94M
Cash from Financing+	45.56M	23.69M	99.14M	118.61M	134.89M	46M	220.27M	178.84M
Dividends Paid	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	0	0	0
Stock Issued	968.32K	559.06K	2.65M	14.84M	56.96K	129K	7K	19.46M
Net Stock Activity	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	0	0	1000K	1000K	0	1000K	-1000K
Other Financing	44.6M	23.69M	96.48M	92.46M	120.26M	45.87M	190.27M	189.38M
Net Change in Cash+	44.81M	-7.36M	43.96M	48.88M	86.01M	-99.96M	-38.5M	26.19M
Exchange Rate Effect	0	0	0	0	0	0	0	0
Cash at Beginning	20.1M	64.91M	57.54M	101.5M	150.38M	236.4M	136.44M	97.93M
Cash at End	64.91M	57.54M	101.5M	150.38M	236.4M	136.44M	97.93M	124.12M
Interest Paid	0	721.63K	1.89M	1.55M	1.29M	3.37M	11.79M	27.5M
Income Taxes Paid	0	283.42K	1.74M	1.71M	2.08M	3.72M	3.02M	0
Free Cash Flow+	-845.92K	-6.81M	-8.67M	27.34M	-12.25M	9.45M	-37.91M	26.29M
FCF Growth %	-	-7.05%	-0.27%	4.15%	-1.45%	1.77%	-5.01%	1.69%

Banking Ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	9.6%	14.74%	13.8%	13.01%	15.63%	13.37%	11.79%	15.59%
Return on Assets (ROA)	1.34%	2.1%	1.83%	1.71%	2.01%	1.67%	1.37%	1.82%
Net Interest Margin	3.84%	4.39%	4.12%	3.25%	2.84%	3.73%	4.15%	0%
Efficiency Ratio	56.5%	56.62%	51.79%	55.2%	55.86%	58.44%	52.84%	51.8%
Equity / Assets	14%	14.48%	12.4%	13.73%	12.22%	12.79%	10.72%	12.5%
Book Value / Share	2.39	2.83	3.51	5.3	5.89	6.74	7.55	10.48
NII Growth	-	30.73%	35.34%	7.87%	15.29%	43.83%	50.29%	-100%

Frequently Asked Questions

Valuation & Price

GBank Financial Holdings Inc. (GBFH) has a price-to-earnings (P/E) ratio of 23.3x. This is roughly in line with market averages.

Growth & Financials

GBank Financial Holdings Inc. (GBFH) grew revenue by 2.0% over the past year. Growth has been modest.

Yes, GBank Financial Holdings Inc. (GBFH) is profitable, generating $18.7M in net income for fiscal year 2024 (31.0% net margin).

Dividend & Returns

GBank Financial Holdings Inc. (GBFH) has a return on equity (ROE) of 15.6%. This is reasonable for most industries.

Industry Metrics

GBank Financial Holdings Inc. (GBFH) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.

GBank Financial Holdings Inc. (GBFH) has an efficiency ratio of 51.8%. This is excellent, indicating strong cost control.