GBank Financial Holdings (GBFH) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

GBank Financial Holdings

NasdaqCM•Financial Services•Banks - Regional

$20.05-0.26(-0.01%)Market open

Market Cap

$273.78M

P/E

14.8x

P/S

2.3x

P/B

1.6x

GBank Financial Holdings Inc. operates as a bank holding company for GBank that provides banking services to commercial and consumer customers in Nevada. The company offers business and personal checking and savings accounts. It also provides small business administration loans; commercial real estate, equipment, business term, and medical/professional loans; business lines of credit; accounts receivable/inventory financing services; and credit cards. In addition, the company offers business and personal digital banking; debit cards; additional services; Zelle cash; business courier; merchant card; positive pay; and remote deposit capture services. It serves small- and medium-sized businesses, high net worth individuals, professionals, and investors. The company was founded in 2007 and is based in Las Vegas, Nevada.

How this company scores

WeakMetricSide Score: 65/100

Grade capped at D — Interest coverage below 1× (0.7x) — earnings cannot cover interest. Strongest: Profitability (23/25); weakest: Cash & Earnings Quality (8/25).

Profitability23/25

Growth18/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality8/25

Strengths

Strong marginsRising earningsLow leverageProfit converts from growth

Grade capped at D

Interest coverage below 1× (0.7x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.8x5y range 14.8x – 23.3x

P/S · 2.3x5y range 2.3x – 4.5x

P/B · 1.6x5y range 1.6x – 3.6x

Currently below its 6-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 20.2% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $273.78M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $119.73M
Q. Revenue: $31.88M
TTM EBITDA: $24.03M
TTM Op. Income: $23.66M
Q. Op. Income: $7.11M
TTM Net Income: $18.48M
Q. Net Income: $5.46M
EPS: $0.38
Shares Out.: $14.47M

$119.73M in TTM revenue grew from zero YoY, reaching $31.88M last quarter. TTM EBITDA of $24.03M and TTM operating income of $23.66M show growth is flowing through to the bottom line. TTM net income of $18.48M means revenue is converting into profit. Across the last 6 quarters, TTM revenue has risen for 3 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 68.9%
EBITDA Margin: 22.5%
Op. Margin: 22.3%
Net Margin: 17.1%

Op. margin of 22.3% is down 1.9% YoY — costs are rising relative to revenue. Net margin at 17.1% and gross margin of 68.9% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 8% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 14.8x
P/S Ratio: 2.3x
P/B Ratio: 1.6x

At 14.8x P/E, the stock trades below typical market levels. P/S of 2.3x and P/B of 1.6x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 3 quarters, P/E has fallen for 2 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.43B
Cash: $141.33M
Long-Term Debt: $30.33M
Book Value: $172.81M
D/E Ratio: 0.2
Debt/EBITDA: 4.2

With $1.43B in assets and $30.33M in long-term debt, D/E is 0.2and book value is $172.81M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 2% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $27.48M
TTM Free Cash Flow: $31.05M
FCF Margin: 25.9%
FCF / Net Income: 1.7

TTM FCF of $31.05M on $27.48M in operating cash flow. The FCF / Net Income ratio of 1.7x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 0% — an improving trend.