GBANK FINANCIAL HOLDINGS INC (GBFH) Fundamental Analysis & Valuation

NASDAQ:GBFH • US36166F1003

Current stock price

28.7 USD
0 (0%)
Last:

This GBFH fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. GBFH Profitability Analysis

1.1 Basic Checks

  • GBFH had positive earnings in the past year.
  • In the past year GBFH had a positive cash flow from operations.
GBFH Yearly Net Income VS EBIT VS OCF VS FCFGBFH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 2025 0 20M -20M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.54%, GBFH belongs to the top of the industry, outperforming 87.77% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 12.63%, GBFH belongs to the top of the industry, outperforming 84.31% of the companies in the same industry.
Industry RankSector Rank
ROA 1.54%
ROE 12.63%
ROIC N/A
ROA(3y)1.46%
ROA(5y)N/A
ROE(3y)12.32%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
GBFH Yearly ROA, ROE, ROICGBFH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 27.53%, GBFH is in the better half of the industry, outperforming 61.17% of the companies in the same industry.
  • The Operating Margin and Gross Margin are not available for GBFH so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.53%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
GBFH Yearly Profit, Operating, Gross MarginsGBFH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2023 2024 2025 5 10 15 20 25

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2

2. GBFH Health Analysis

2.1 Basic Checks

  • GBFH does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for GBFH has been increased compared to 1 year ago.
  • GBFH has a better debt/assets ratio than last year.
GBFH Yearly Shares OutstandingGBFH Yearly Shares OutstandingYearly Shares Outstanding 2023 2024 2025 5M 10M
GBFH Yearly Total Debt VS Total AssetsGBFH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2023 2024 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • GBFH has a debt to FCF ratio of 2.90. This is a good value and a sign of high solvency as GBFH would need 2.90 years to pay back of all of its debts.
  • GBFH has a Debt to FCF ratio (2.90) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.16 indicates that GBFH is not too dependend on debt financing.
  • GBFH has a Debt to Equity ratio (0.16) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 2.9
Altman-Z N/A
ROIC/WACCN/A
WACC14.22%
GBFH Yearly LT Debt VS Equity VS FCFGBFH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 2025 0 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GBFH Yearly Current Assets VS Current LiabilitesGBFH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2024 2025 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. GBFH Growth Analysis

3.1 Past

  • GBFH shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.62%.
  • Looking at the last year, GBFH shows a very strong growth in Revenue. The Revenue has grown by 21.86%.
EPS 1Y (TTM)6.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%41.67%
Revenue 1Y (TTM)21.86%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.13%

3.2 Future

  • Based on estimates for the next years, GBFH will show a very strong growth in Earnings Per Share. The EPS will grow by 57.06% on average per year.
  • The Revenue is expected to grow by 17.03% on average over the next years. This is quite good.
EPS Next Y73.05%
EPS Next 2Y57.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.07%
Revenue Next 2Y17.03%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

GBFH Yearly Revenue VS EstimatesGBFH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2023 2024 2025 2026 2027 20M 40M 60M
GBFH Yearly EPS VS EstimatesGBFH Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 1 2 3

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4

4. GBFH Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 19.79, which indicates a rather expensive current valuation of GBFH.
  • GBFH's Price/Earnings ratio is rather expensive when compared to the industry. GBFH is more expensive than 84.31% of the companies in the same industry.
  • GBFH is valuated rather cheaply when we compare the Price/Earnings ratio to 27.15, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 11.44, which indicates a very decent valuation of GBFH.
  • GBFH's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. GBFH is more expensive than 63.03% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.12. GBFH is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 19.79
Fwd PE 11.44
GBFH Price Earnings VS Forward Price EarningsGBFH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 83.78% of the companies in the same industry are cheaper than GBFH, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 45.42
EV/EBITDA N/A
GBFH Per share dataGBFH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as GBFH's earnings are expected to grow with 57.06% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y57.06%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. GBFH Dividend Analysis

5.1 Amount

  • No dividends for GBFH!.
Industry RankSector Rank
Dividend Yield 0%

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GBFH Fundamentals: All Metrics, Ratios and Statistics

GBANK FINANCIAL HOLDINGS INC

NASDAQ:GBFH (4/28/2026, 11:59:40 AM)

28.7

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-29
Inst Owners23.77%
Inst Owner Change1.58%
Ins Owners36.14%
Ins Owner Change2.49%
Market Cap415.29M
Revenue(TTM)76.02M
Net Income(TTM)20.93M
Analysts82.22
Price Target44.03 (53.41%)
Short Float %6.99%
Short Ratio10.29
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-18.78%
Min EPS beat(2)-34.64%
Max EPS beat(2)-2.91%
EPS beat(4)0
Avg EPS beat(4)-14.14%
Min EPS beat(4)-34.64%
Max EPS beat(4)-1.96%
EPS beat(8)3
Avg EPS beat(8)-3.06%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-2.55%
Min Revenue beat(2)-2.96%
Max Revenue beat(2)-2.15%
Revenue beat(4)0
Avg Revenue beat(4)-3.46%
Min Revenue beat(4)-5.12%
Max Revenue beat(4)-2.15%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-6.16%
PT rev (3m)-17.78%
EPS NQ rev (1m)-0.96%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.82%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)-2.32%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 19.79
Fwd PE 11.44
P/S 5.46
P/FCF 45.42
P/OCF 43.08
P/B 2.51
P/tB 2.51
EV/EBITDA N/A
EPS(TTM)1.45
EY5.05%
EPS(NY)2.51
Fwd EY8.74%
FCF(TTM)0.63
FCFY2.2%
OCF(TTM)0.67
OCFY2.32%
SpS5.25
BVpS11.46
TBVpS11.46
PEG (NY)0.27
PEG (5Y)N/A
Graham Number19.3319 (-32.64%)
Profitability
Industry RankSector Rank
ROA 1.54%
ROE 12.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.53%
GM N/A
FCFM 12.03%
ROA(3y)1.46%
ROA(5y)N/A
ROE(3y)12.32%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 2.9
Debt/EBITDA N/A
Cap/Depr 209.28%
Cap/Sales 0.65%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 43.69%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.22%
ROIC/WACCN/A
Cap/Depr(3y)127.28%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.56%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)6.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%41.67%
EPS Next Y73.05%
EPS Next 2Y57.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)21.86%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.13%
Revenue Next Year15.07%
Revenue Next 2Y17.03%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-65.22%
FCF growth 3Y-1.11%
FCF growth 5YN/A
OCF growth 1Y-63.6%
OCF growth 3Y-0.45%
OCF growth 5YN/A

GBANK FINANCIAL HOLDINGS INC / GBFH Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for GBANK FINANCIAL HOLDINGS INC?

ChartMill assigns a fundamental rating of 3 / 10 to GBFH.


What is the valuation status of GBANK FINANCIAL HOLDINGS INC (GBFH) stock?

ChartMill assigns a valuation rating of 4 / 10 to GBANK FINANCIAL HOLDINGS INC (GBFH). This can be considered as Fairly Valued.


What is the profitability of GBFH stock?

GBANK FINANCIAL HOLDINGS INC (GBFH) has a profitability rating of 3 / 10.


What is the valuation of GBANK FINANCIAL HOLDINGS INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for GBANK FINANCIAL HOLDINGS INC (GBFH) is 19.79 and the Price/Book (PB) ratio is 2.51.


How financially healthy is GBANK FINANCIAL HOLDINGS INC?

The financial health rating of GBANK FINANCIAL HOLDINGS INC (GBFH) is 2 / 10.