GBank Financial Holdings Inc.

GBFH

GBFHGBank Financial Holdings Inc. US flag

NASDAQ Capital Market

28.61

USD

-1.02

- -

414.00MMarket Cap

Income Statement (USD)

API Chat

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	13	16	19	27	37	42	46	61	74
+ Sales & Services Revenue	13	16	19	27	37	42	46	61	74
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	5	6	7	11	13	17	20	23	29
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-5	-6	-7	-11	-13	-17	-20	-23	-29
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-5	-6	-7	-9	-14	-14	-14	-24	-27
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-5	-6	-7	-9	-14	-14	-14	-24	-27
Pretax Income	5	6	7	9	14	14	14	24	27
- Income Tax Expense (Benefit)	3	1	1	2	3	3	3	5	6
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	3	5	5	7	11	11	11	19	21
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	3	5	5	7	11	11	11	19	21
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	3	5	5	7	11	11	11	19	21
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	3	5	5	7	11	11	11	19	21
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	- -	- -	- -	5	6	7	6	7
EBITDA Margin (%)	2.04	2.01	2.12	1.67	12.64	14.07	15.75	9.75	9.12
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	20.76	29.99	27.64	25.68	29.64	25.99	23.86	30.7	28.3
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	- -	- -	- -	- -	5	6	7	6	7
Basic Weighted Avg Shares	12	12	12	12	12	12	13	13	14
Basic EPS, GAAP	0.23	0.39	0.44	0.57	0.9	0.87	0.86	1.41	1.46
Basic EPS from Cont Ops	0.23	0.39	0.44	0.57	0.9	0.87	0.86	1.41	1.46
Diluted Weighted Avg Shares	12	12	12	12	13	13	13	13	14
Diluted EPS, GAAP	0.23	0.39	0.44	0.57	0.85	0.84	0.84	1.39	1.44
Diluted EPS from Cont Ops	0.23	0.39	0.44	0.57	0.85	0.84	0.84	1.39	1.44

Balance Sheet (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	70	61	105	153	240	139	101	190	269
+ Cash & Cash Equivalents	66	58	102	150	236	136	98	124	198
+ ST Investments	5	4	3	3	4	3	3	66	71
+ Accounts & Notes Receiv	1	1	1	3	3	- -	- -	- -	- -
+ Accounts Receivable, Net	1	1	1	3	3	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-71	-62	-106	-156	-243	-139	-101	-190	-269
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	1	1	1	1	3	4	6	5	6
+ Property, Plant & Equip	4	5	5	5	7	9	11	11	12
- Accumulated Depreciation	3	4	4	4	4	5	5	5	6
+ LT Investments & Receivables	5	4	3	3	4	108	100	106	71
+ LT Investments	5	4	3	3	4	108	100	106	71
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-6	-5	-5	-4	-7	-111	-107	-112	-77
+ Total Intangible Assets	3	4	5	7	8	9	7	9	11
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	3	4	5	7	8	9	7	9	11
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-9	-9	-10	-11	-15	-121	-114	-121	-89
Total Assets	208	238	344	471	620	679	918	1,122	1,359
+ Payables & Accruals	2	4	5	5	2	3	- -	- -	- -
+ Accounts Payable	2	4	5	5	2	3	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	30	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	30	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-2	-4	-5	-5	-2	-3	-30	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-2	-4	-5	-5	-2	-3	-30	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	- -	- -	- -	11	26	29	32	31	32
+ LT Borrowings	- -	- -	- -	11	26	26	26	26	26
+ LT Finance Leases	- -	- -	- -	- -	2	3	5	5	6
+ Other LT Liabilities	- -	- -	- -	-11	-26	-29	-32	-31	-32
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	- -	- -	-11	-26	-29	-32	-31	-32
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	179	204	302	406	545	592	820	982	1,194
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	33	34	37	52	52	52	53	78	80
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	33	34	37	52	52	52	53	78	80
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	-4	1	6	13	24	35	46	64	85
+ Other Equity	- -	- -	- -	- -	- -	- -	- -	-1	- -
Equity Before Minority Interest	29	35	43	65	76	87	98	141	166
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	29	35	43	65	76	87	98	141	166
Total Liabilities & Equity	208	238	344	471	620	679	918	1,122	1,359
Shares Outstanding	12	12	12	12	12	13	13	14	14
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	2	3	5	5	6
Net Debt	-66	-58	-102	-139	-211	-110	-42	-98	-171
Net Debt to Equity	-224.97	-166.72	-237.71	-215.23	-277.75	-127.31	-42.59	-69.68	-103.36
Tangible Common Equity Ratio	12.74	12.97	11.16	12.41	11.05	11.57	10.03	11.83	11.47
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	3	5	5	7	11	11	11	19	21
+ Depreciation & Amortization	- -	- -	- -	- -	5	6	7	6	7
+ Non-Cash Items	-6	-12	-14	24	-29	-3	-54	2	-2
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	1	2	2
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	-6	-12	-14	24	-29	-4	-55	- -	-4
+ Chg in Non-Cash Work Cap	2	1	- -	-4	1	-4	-1	- -	-16
+ (Inc) Dec in Accts Receiv	- -	- -	- -	-2	- -	-2	-2	-2	-1
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	1	2	1	1	2	- -	5	3	3
+ Inc (Dec) in Other	1	- -	-1	-2	-1	-2	-5	-2	-19
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	-1	-6	-8	28	-12	10	-38	26	10
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	-1	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed Prod Assets	- -	-1	- -	- -	- -	- -	- -	- -	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	1	- -	3	15	- -	- -	- -	19	- -
+ Increase in Capital Stock	1	- -	3	15	- -	- -	- -	19	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	1	1	1	1	-1	-104	8	-7	38
+ Dec in LT Investment	1	1	1	1	1	1	12	59	71
+ Inc in LT Investment	- -	- -	- -	- -	-1	-104	-5	-66	-33
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-1	-25	-47	-98	-36	-51	-229	-172	-182
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	- -	-25	-47	-97	-37	-156	-221	-179	-145
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	- -	- -	- -	11	15	- -	- -	- -	1
+ Cash From Debt	- -	- -	- -	16	20	- -	- -	- -	1
+ Repayments of Debt	- -	- -	- -	-5	-5	- -	- -	- -	- -
+ Other Financing Activities	45	24	96	92	120	46	220	159	208
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	46	24	99	119	135	46	220	179	209
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	45	-7	44	49	86	-100	-39	26	74
EBITDA	- -	- -	- -	- -	5	6	7	6	7
EBITDA Margin (%)	2.04	2.01	2.12	1.67	12.64	14.07	15.75	9.75	9.12
Free Cash Flow	-1	-7	-9	27	-12	9	-38	26	9
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	-1	-7	-9	27	-12	9	-38	26	9
Free Cash Flow to Equity	- -	-7	-9	39	2	9	-38	26	10
Free Cash Flow per Basic Share	-0.07	-0.56	-0.71	2.24	-1	0.76	-2.98	1.99	0.64
Price/Free Cash Flow	- -	- -	- -	- -	-10.85	13.67	-4.92	21.64	48.43
Cash Flow to Net Income	-0.25	-1.32	-1.54	3.95	-1.11	0.9	-3.44	1.42	0.46
Capital Expenditures	- -	-1	- -	- -	- -	- -	- -	- -	- -