GBank Financial Holdings Inc
GBFHBuild a strategy around GBFH
GBank Financial Holdings Inc AI Insights
Informational only. Not investment advice.Snapshot
- Revenue TTM 19.6M growing 24.7% YoY vs industry median 6.8% - 3.6x faster growth rate signals market share gains.[Total Revenue 1Y Growth]
- Net margin 22% TTM vs industry median 0% - profitable while peers break even. ROE 2.7% lags due to overcapitalization.[Net Margin]
- P/B 3.4x on book value 10.89/share with zero goodwill (tangible BV = equity) - premium for clean balance sheet.[P/B Ratio]
Watch Triggers
- Free Cash Flow: Turns positive for 2 consecutive quarters — Validates loan book generating cash, not just accounting profits
- ROE: Exceeds 8% (3x current) — Justifies P/B premium; current 2.7% ROE doesn't support 3.4x book
- Debt to Equity: Rises above 0.5x — Signals management deploying leverage capacity for growth
Bull Case
22% net margin with 24.7% revenue growth TTM - rare combo of profitability and expansion. 5Y EPS CAGR 14.9% compounds value.
Debt/equity 0.20x vs 32M debt on 158M equity - underleveraged bank with capacity to grow loan book 3-4x.
Bear Case
Negative FCF -12.3M TTM and operating cash flow -12.2M - growth consuming cash. Requires external funding to scale.
P/B 3.4x on 2.7% ROE implies 126-year payback at current returns. Valuation assumes ROE expansion not yet visible.
Bull vs Bear Balance
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Forward Thesis
Loan book expansion will drive 15-20% revenue CAGR as interest income scales on 1.3B asset base.
- 5Y revenue CAGR 20% already proven
- Interest expense 8.6M TTM supports deposit growth
- Debt/equity 0.20x leaves leverage capacity
Valuation Context
Caveats
Public Strategies Rankings
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GBFH Fundamentals
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$385.51M | — | ||
$219.94M | — | ||
19 | — | ||
$73.96M | +21.8% | — | |
$1.44 | +3.6% | — | |
0% | — | ||
28.3% | -2.4% | — | |
$9.14M | -65.2% | — | |
13.7% | -1.9% | — | |
Beta 5Y (Monthly) | unknown | — |
GBFH Dividend History
GBFH Stock Splits
GBFH SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
03/30/26 | 12/31/25 | 10-K | |
11/12/25 | 09/30/25 | 10-Q | |
08/12/25 | 06/30/25 | 10-Q | |
05/28/25 | 03/31/25 | 10-Q | |
03/30/26 | 12/31/24 | 10-K | |
10/22/24 | 09/30/24 | Quarterly | -- |
07/30/24 | 06/30/24 | Quarterly | -- |
04/30/24 | 03/31/24 | Quarterly | -- |
03/29/24 | 12/31/23 | Annual | -- |
10/31/23 | 09/30/23 | Quarterly | -- |
07/25/23 | 06/30/23 | Quarterly | -- |
04/25/23 | 03/31/23 | Quarterly | -- |
03/31/23 | 12/31/22 | Annual | -- |
10/20/22 | 09/30/22 | Quarterly | -- |
07/22/22 | 06/30/22 | Quarterly | -- |
04/23/22 | 03/31/22 | Quarterly | -- |
10/20/22 | 12/31/21 | Quarterly | -- |
10/21/21 | 09/30/21 | Quarterly | -- |
07/22/21 | 06/30/21 | Quarterly | -- |
04/29/21 | 03/31/21 | Quarterly | -- |
12/31/20 | 12/31/20 | Unknown | -- |
10/21/21 | 09/30/20 | Quarterly | -- |
07/22/21 | 06/30/20 | Quarterly | -- |
04/29/21 | 03/31/20 | Quarterly | -- |