GBank Financial Holdings Inc.
GBFH Nasdaq State Commercial Banks Financials FY2024–FY2025
What GBank Financial Holdings Inc. does
No business description yet.
- Legal name
- GBank Financial Holdings Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 30, 2026
- Accession · CIK
- 0001193125-26-129567
0001791145
Revenue and margins
GBank Financial Holdings Inc. had $1.2B of revenue in fiscal 2025, up 1,879.6% on the year before.
Net income and earnings per share
From fiscal 2024 to 2025, diluted EPS grew 3.6% a year. Loss periods are shown in red.
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
Dividends, buybacks and share count
GBank Financial Holdings Inc. returned — to shareholders in fiscal 2025. The diluted share count rose 7.9%.
Balance sheet
Loans, deposits and capital at each fiscal year end.
| Fiscal year end | FY24 | FY25 |
|---|---|---|
| Loans, net | $807M | $949M |
| Deposits | $935M | $1.1B |
| Loans / deposits | 86.3% | 83.1% |
| Total assets | $1.1B | $1.4B |
| Shareholders' equity | $141M | $166M |
| Provision / loans | 0.3% | 0.4% |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
2 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY24 | FY25 |
|---|---|---|
| Income statement | ||
| Revenue | $62.4M | $1.2B |
| Net interest income | $46.2M | $50.7M |
| Noninterest income | $16.2M | $25.3M |
| Noninterest expense | $36.2M | $45.1M |
| Provision for credit losses | $2.2M | $3.9M |
| Pretax income | $23.9M | $27.1M |
| Income tax | $5.3M | $6.0M |
| Net income | $18.6M | $20.9M |
| Diluted EPS | $1.39 | $1.44 |
| Diluted shares | 0.01B | 0.01B |
| Cash flow | ||
| Cash from operations | $26.5M | $9.6M |
| Capital expenditure | $0.2M | $0.5M |
| Free cash flow | $26.3M | $9.1M |
| Depreciation and amortization | $0.3M | $0.2M |
| Stock-based compensation | $1.9M | $2.1M |
| Balance sheet | ||
| Cash and short-term investments | $124M | $198M |
| Total debt | $0.0M | $0.4M |
| Loans, net | $807M | $949M |
| Deposits | $935M | $1.1B |
| Property and equipment, net | $0.8M | $1.1M |
| Total assets | $1.1B | $1.4B |
| Total liabilities | $982M | $1.2B |
| Shareholders' equity | $141M | $166M |
| Margins | ||
| Net margin | 29.9% | 1.7% |
| FCF margin | 42.1% | 0.7% |
| Net interest share of revenue | 74.1% | 4.1% |
| Efficiency ratio | 58.1% | 3.7% |
| Returns | ||
| Return on equity | 13.2% | 13.7% |
| Return on assets | 1.7% | 1.7% |
| Return on tangible equity | 13.2% | 12.6% |
| Growth | ||
| Revenue growth | — | 1,879.6% |
| Net income growth | — | 12.3% |
| EPS growth | — | 3.6% |
| FCF growth | — | −65.2% |
| Share count change | — | 7.9% |
| Financial health | ||
| Debt / equity | 0.0x | 0.0x |
| Loans / deposits | 86.3% | 83.1% |
| Provision / loans | 0.3% | 0.4% |
| Capital allocation | ||
| Capex / revenue | 0.3% | 0.0% |
| Stock comp / revenue | 3.1% | 0.2% |
| Quality scores | ||
| Piotroski F-score | — | 3.0 |
| Accruals ratio | −0.7% | 0.9% |
Source: SEC EDGAR XBRL filings (CIK 0001791145). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.