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GBFH

GBank Financial Holdings Inc.

GBFH

GBank Financial Holdings Inc. • NASDAQ
$33.86 ▼ -0.15% (-0.05)
Market Cap $481.73 M
52w High $46.00
52w Low $27.30
Dividend Yield 0%
P/E 26.66
Volume 26.30K
Outstanding Shares 14.23M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $28.223M ▲ $11.741M ▲ $4.308M ▼ 15.264% ▼ $0.3 ▼ $7.428M ▼
Q2-2025 $25.609M ▲ $10.066M ▼ $4.755M ▲ 18.568% ▲ $0.33 ▲ $7.948M ▲
Q1-2025 $24.488M ▲ $10.523M ▲ $4.47M ▼ 18.254% ▼ $0.31 ▼ $7.257M ▲
Q4-2024 $15.867M ▼ $9.622M ▲ $5.13M ▲ 32.33% ▲ $0.38 $0 ▼
Q3-2024 $23.599M $9.012M $5.015M 21.251% $0.38 $6.528M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $4.988M ▼ $1.301B ▲ $1.143B ▲ $158.193M ▲
Q2-2025 $226.115M ▲ $1.232B ▲ $1.081B ▲ $151.749M ▲
Q1-2025 $218.439M ▲ $1.19B ▲ $1.043B ▲ $146.616M ▲
Q4-2024 $0 ▼ $1.126B ▲ $984.87M ▲ $140.7M ▲
Q3-2024 $70.958M $1.048B $931.619M $116.383M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $4.308M ▼ $-12.204M ▼ $-87.55M ▼ $59.915M ▲ $-39.839M ▼ $-12.153M ▼
Q2-2025 $4.755M ▲ $859K ▲ $-41.123M ▼ $36.522M ▼ $-3.742M ▼ $840K ▲
Q1-2025 $4.47M ▼ $-5.682M ▼ $-32.903M ▼ $61.434M ▲ $22.849M ▲ $-5.714M ▼
Q4-2024 $5.13M $0 $0 $0 $0 $0
Q3-2024 $5.13M $0 $0 $0 $0 $0

Five-Year Company Overview

Income Statement

Income Statement Revenue and profit have grown steadily over the past several years, with only modest bumps along the way. Profit margins look relatively healthy for a small, specialized bank, suggesting decent cost control and a business mix that is not overly burdened by expenses. Earnings per share have moved up meaningfully most recently, which could reflect both stronger profitability and a relatively lean share base. Overall, the income statement tells a story of a small institution gradually scaling up rather than one experiencing sharp booms or busts.

Balance Sheet

Balance Sheet The balance sheet has expanded at a measured pace, with total assets and shareholder equity both trending higher over time. Cash levels look reasonable for a niche bank and, while debt has increased, it remains modest relative to the size of the balance sheet. This points to a business that is funding growth in a relatively conservative way rather than relying heavily on borrowing. For a regulated financial institution, the balance sheet profile appears straightforward and not overly aggressive.

Cash Flow

Cash Flow Cash generation has been somewhat uneven year to year, with periods of positive operating cash flow and a couple of weaker years. Because the business model is asset-light and capital spending is minimal, free cash flow generally tracks operating cash flow closely. This pattern suggests that while the core operations can generate cash, they are still in a build‑out phase where timing of loans, deposits, and fintech activities can swing cash results. Over time, stability of operating cash flow will be an important indicator of how well the fintech and gaming initiatives are maturing.

Competitive Edge

Competitive Edge GBank’s main edge is its highly focused position at the intersection of banking, gaming, and sports entertainment, rather than trying to be a broad, traditional regional bank. It has built expertise in a tightly regulated niche, formed partnerships with gaming operators and fintech platforms, and created products that directly address the payment and compliance pain points of casinos, online gaming apps, and players. This specialization, combined with regulatory know‑how and a growing partner network, creates a meaningful barrier for generalist banks that may find this sector complex and unfamiliar. The flip side is that the business is more exposed to shifts in gaming regulation, technology standards, and the fortunes of a relatively narrow customer base.

Innovation and R&D

Innovation and R&D The company has invested heavily in modernizing its technology stack, shifting to an API‑driven infrastructure that supports real‑time payments and seamless integration with gaming platforms. Its innovations center on cashless gaming, pooled player accounts, gaming‑focused cards, and advanced security tools such as tokenization and biometric authentication. Through acquisitions and partnerships, it is effectively outsourcing some development while still controlling the core financial infrastructure and regulatory layer. The next phase of innovation is likely to revolve around scaling the closed‑loop ecosystem, deeper data and analytics, and extending these capabilities to more gaming operators and use cases.

Summary

Overall, GBank Financial Holdings looks like a small but steadily growing bank that is deliberately reshaping itself into a fintech infrastructure provider for the gaming and sports entertainment industry. The financial statements show gradual growth and acceptable profitability, supported by a generally conservative balance sheet and light capital needs, but with some variability in cash flow as the model scales. Its most distinctive features are its niche focus, regulatory expertise, and technology partnerships, which together create a differentiated position but also increase dependence on a specific sector and set of partners. How well the company can maintain growth, smooth out cash generation, and broaden its customer base within gaming and adjacent markets will largely determine the durability of its current trajectory.

NEWS

November 7, 2025 · 9:20 AM UTC

GBank Financial Holdings Inc. and GBank Appoint Hilary R. Sledge-Sarnor as Executive Vice President, General Counsel, and Corporate Secretary

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November 5, 2025 · 6:15 PM UTC

GBank Financial Holdings Inc. Announces Resignation of Founding Director Alan C. Sklar from its Board of Directors

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November 5, 2025 · 5:04 PM UTC

GBank Financial Holdings Inc Announces Appointment of Timothy P. Herbst to Board of Directors

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October 28, 2025 · 7:38 PM UTC

GBank Financial Holdings Inc. Announces Third Quarter 2025 Financial Results

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October 27, 2025 · 8:30 AM UTC

GBank Financial Holdings Inc. Announces Mike Tyson Partners with GBank to Champion the GBank Visa Signature® Card for Gamers and Sports Enthusiasts

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