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. All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
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.
GBank Financial Holdings reported $20.9M in net income in fiscal year 2025.
GBank Financial Holdings earned $1.44 per diluted share (EPS) in fiscal year 2025.
Cash & Balance Sheet
GBank Financial Holdings generated $9.1M in free cash flow in fiscal year 2025, representing cash available after capex.
GBank Financial Holdings held $9.3M in cash against $100K in long-term debt as of fiscal year 2025.
GBank Financial Holdings had 14M shares outstanding in fiscal year 2025.
Margins & Returns
GBank Financial Holdings's net profit margin was 1.7% in fiscal year 2025, showing the share of revenue converted to profit.
GBank Financial Holdings's ROE was 12.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.
Capital Allocation
GBank Financial Holdings invested $496K in capex in fiscal year 2025, funding long-term assets and infrastructure.
GBFH Income Statement
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 |
|---|---|---|---|---|---|---|---|
| Revenue | $21.6M+5.2% | $20.6M+5.9% | $19.4M | N/A | $19.7M+6.8% | $18.5M+6.3% | $17.4M |
| Cost of Revenue | 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 |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $8.6M+5.6% | $8.2M+8.7% | $7.5M | N/A | $7.5M+4.8% | $7.1M+8.4% | $6.6M |
| Income Tax | $1.3M-13.7% | $1.5M+21.4% | $1.2M | N/A | $1.5M+7.2% | $1.4M+26.9% | $1.1M |
| Net Income | $4.3M-9.4% | $4.8M+6.4% | $4.5M | N/A | $5.0M+7.2% | $4.7M+26.3% | $3.7M |
| EPS (Diluted) | $0.30-9.1% | $0.33+6.5% | $0.31 | N/A | $0.38+5.6% | $0.36+24.1% | $0.29 |
GBFH Balance Sheet
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 |
|---|---|---|---|---|---|---|---|
| Total Assets | $1.3B+5.6% | $1.2B+3.6% | $1.2B+6.0% | $1.1B+7.1% | $1.0B+3.8% | $1.0B+4.8% | $963.5M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $103.4M-27.8% | $143.2M-2.5% | $147.0M+18.4% | $124.1M+74.9% | $71.0M-19.5% | $88.2M+62.7% | $54.2M |
| Inventory | 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 |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $1.1B+5.8% | $1.1B+3.6% | $1.0B+6.3% | $981.7M+5.4% | $931.6M+3.7% | $898.4M+4.4% | $860.9M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $158.2M+4.2% | $151.7M+3.5% | $146.6M+4.2% | $140.7M+20.9% | $116.4M+4.9% | $110.9M+8.2% | $102.6M |
| Retained Earnings | $78.0M+5.8% | $73.7M+6.9% | $68.9M+6.9% | $64.4M | N/A | N/A | N/A |
GBFH Cash Flow Statement
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$12.2M-1520.7% | $859K+115.1% | -$5.7M | N/A | -$13.8M-263.5% | $8.4M+208.6% | -$7.8M |
| Capital Expenditures | $144K+657.9% | $19K-40.6% | $32K | N/A | $102K+385.7% | $21K-57.1% | $49K |
| Free Cash Flow | -$12.3M-1570.0% | $840K+114.7% | -$5.7M | N/A | -$13.9M-265.1% | $8.4M+207.7% | -$7.8M |
| Investing Cash Flow | -$87.5M-112.9% | -$41.1M-25.0% | -$32.9M | N/A | -$34.6M-249.8% | -$9.9M+87.2% | -$77.3M |
| Financing Cash Flow | $59.9M+64.1% | $36.5M-40.6% | $61.4M | N/A | $31.2M-12.1% | $35.4M-14.2% | $41.3M |
| Dividends Paid | 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 |
GBFH Financial Ratios
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 |
|---|---|---|---|---|---|---|---|
| Gross Margin | 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 |
| Net Margin | 19.9%-3.2pp | 23.1%+0.1pp | 23.0% | N/A | 25.4%+0.1pp | 25.3%+4.0pp | 21.3% |
| Return on Equity | 2.7%-0.4pp | 3.1%+0.1pp | 3.0% | N/A | 4.3%+0.1pp | 4.2%+0.6pp | 3.6% |
| Return on Assets | 0.3%-0.1pp | 0.4%0.0pp | 0.4% | N/A | 0.5%+0.0pp | 0.5%+0.1pp | 0.4% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.23+0.1 | 7.120.0 | 7.12+0.1 | 6.98-1.0 | 8.00-0.1 | 8.10-0.3 | 8.39 |
| FCF Margin | -57.1%-61.2pp | 4.1%+33.5pp | -29.4% | N/A | -70.3%-115.7pp | 45.4%+90.3pp | -44.9% |
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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. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
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%.
How much debt does GBank Financial Holdings have?
As of fiscal year 2025, GBank Financial Holdings (GBFH) had $9.3M in cash and equivalents against $100K in long-term debt.
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. 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 0.00 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.
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.