GBank Financial Holdings Inc. Financial Ratios — GBFH Stock

Profitability (USD)

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	157	73.09	59.25	36.91	27.07	33.81	27.94
Return on Assets (%)	- -	2.1	1.83	1.71	2.01	1.67	1.37	1.83	1.69
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.04	2.01	2.12	1.67	12.64	14.07	15.75	9.75	9.12
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	40.7	38.12	35	34.32	39	33.56	29.55	39.39	36.63
Profit Margin (%)	20.76	29.99	27.64	25.68	29.64	25.99	23.86	30.7	28.3
Net Income to Common Margin (%)	20.76	29.99	27.64	25.68	29.64	25.99	23.86	30.7	28.3
Effective Tax Rate (%)	48.98	21.33	21.03	25.19	24	22.55	19.27	22.06	22.22
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	157	73.09	59.25	36.91	27.07	33.81	27.94

Credit (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	- -	- -	11	26	29	62	31	32
ST Debt	- -	- -	- -	- -	- -	- -	30	- -	- -
LT Debt	- -	- -	- -	11	26	29	32	31	32
Total Debt/EBITDA	- -	- -	- -	24.99	5.53	4.92	8.53	5.23	4.79
Net Debt/EBITDA	-238.79	-182.63	-248.12	-307.27	-44.96	-18.78	-5.81	-16.57	-25.4
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-1.91	0.31	1.76	2.77	3.87	5.14	4.99	5.74	6.28
Long-Term Debt/Equity (%)	- -	- -	- -	17.5	34.14	33.32	32.01	21.98	19.26
Long-Term Debt/Capital (%)	- -	- -	- -	46.45	51.87	45.33	29.36	32.43	27.13
Long-Term Debt/Total Assets (%)	- -	- -	- -	2.4	4.17	4.26	3.43	2.76	2.35
Total Debt/Equity (%)	- -	- -	- -	17.5	34.14	33.32	62.49	21.98	19.48
Total Debt/Capital (%)	- -	- -	- -	46.45	51.87	45.33	57.32	32.43	27.44
Total Debt/Total Assets (%)	- -	- -	- -	2.4	4.17	4.26	6.7	2.76	2.38
Net Debt to Equity	-224.97	-166.72	-237.71	-215.23	-277.75	-127.31	-42.59	-69.68	-103.36
Net Debt/Capital (%)	94.29	101.28	106.35	110.34	112.88	152.13	-446.96	340.9	213.61
EBITDA	- -	- -	- -	- -	5	6	7	6	7
EBITDA-CapEx	- -	- -	- -	- -	5	6	7	6	6
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-1.91	0.31	1.76	2.77	3.87	5.14	4.99	5.74	6.28
Long-Term Debt/Equity (%)	- -	- -	- -	17.5	34.14	33.32	32.01	21.98	19.26
Long-Term Debt/Capital (%)	- -	- -	- -	46.45	51.87	45.33	29.36	32.43	27.13
Long-Term Debt/Total Assets (%)	- -	- -	- -	2.4	4.17	4.26	3.43	2.76	2.35
Total Debt/Equity (%)	- -	- -	- -	17.5	34.14	33.32	62.49	21.98	19.48
Total Debt/Capital (%)	- -	- -	- -	46.45	51.87	45.33	57.32	32.43	27.44
Total Debt/Total Assets (%)	- -	- -	- -	2.4	4.17	4.26	6.7	2.76	2.38
CFO/Total Liabilities	-0.39	-3.04	-2.73	6.8	-2.23	1.65	-4.58	2.7	0.81
CFO/CapEx	-4.75	-9.98	-18.57	107.88	-113.52	30.91	-114.59	136.51	19.43
Altman's Z-Score	0.04	0.07	0.08	0.1	0.25	0.27	0.25	0.48	0.39

Working Capital (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	19.04	18.63	12.98	11.98	27.51	- -	- -	- -
Days Sales Outstanding	- -	19.17	19.59	28.11	30.47	13.27	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	- -	124	134	179	567	484
- Cash & Cash Equivalents	66	58	102	150	236	136	98	124	198
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	11	26	29	62	31	32
Enterprise Value	-70	-61	-105	-142	-90	23	140	409	248
Total Capital	-4	1	6	24	50	64	107	95	118
Total Debt/Capital (%)	- -	- -	- -	46.45	51.87	45.33	57.32	32.43	27.44
Total Debt / EV	- -	- -	- -	-0.08	-0.29	1.25	0.44	0.08	0.13
EV/Sales	- -	- -	- -	- -	- -	0.55	3.05	6.73	3.35
EV/EBITDA	- -	- -	- -	- -	- -	3.93	19.36	69.06	36.73
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	2.37	- -	15.43	25.71
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	2.3	- -	15.32	24.45
Diluted Market Cap	- -	- -	- -	- -	131	138	183	577	491
Diluted Enterprise Value	-66	-58	-102	-139	-80	30	147	484	325
EV per Share	- -	- -	- -	- -	- -	1.85	10.98	30.97	17.34
TTM Sales	13	16	19	27	37	42	46	61	74
TTM EBITDA	- -	- -	- -	- -	5	6	7	6	7
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-1	-6	-8	28	-12	10	-38	26	10
TTM Free Cash Flow to Firm	-1	-6	-8	28	-12	10	-37	27	10

Multiples (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	- -	-10.85	13.67	-4.92	21.64	48.43
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-70	-61	-105	-142	-90	23	140	409	248
Low Price	- -	- -	- -	- -	7.8	9.06	9.8	13.28	27.3
EV/Sales	- -	- -	- -	- -	- -	0.55	3.05	6.73	3.35
EV/EBITDA	- -	- -	- -	- -	- -	3.93	19.36	69.06	36.73
Price/Earnings	- -	- -	- -	- -	11.28	12.3	16.36	30.45	23.14
Price/Earnings Average	- -	- -	- -	- -	10.99	12.05	14.51	14.5	25.85
Price/Earnings High	- -	- -	- -	- -	12.56	13.65	16.58	32.57	30.73
Price/Earnings Low	- -	- -	- -	- -	8.67	10.41	11.4	9.4	18.64
Price/Book Value	- -	- -	- -	- -	5.16	3.83	3.9	8.81	5.67
Price/Book Value Average	- -	- -	- -	- -	5.02	3.76	3.46	4.19	6.34
Price/Book Value High	- -	- -	- -	- -	5.74	4.25	3.95	9.42	7.53
Price/Book Value Low	- -	- -	- -	- -	3.96	3.24	2.72	2.72	4.57
Price/Tangible Book Value	- -	- -	- -	- -	1.83	1.73	1.96	4.31	3.13
Price/Tangible Book Value Average	- -	- -	- -	- -	1.78	1.69	1.73	2.05	3.5
Price/Tangible Book Value High	- -	- -	- -	- -	2.04	1.92	1.98	4.61	4.16
Price/Tangible Book Value Low	- -	- -	- -	- -	1.41	1.46	1.36	1.33	2.52
Price/Sales	- -	- -	- -	- -	3.34	3.2	3.9	9.35	6.55
Price/Sales Average	- -	- -	- -	- -	3.26	3.13	3.46	4.45	7.32
Price/Sales High	- -	- -	- -	- -	3.72	3.55	3.96	10	8.7
Price/Sales Low	- -	- -	- -	- -	2.57	2.71	2.72	2.89	5.28
Price/Cash Flow	- -	- -	- -	- -	-10.2	13.68	-4.75	21.43	50.25
Price/Cash Flow Average	- -	- -	- -	- -	-9.93	13.41	-4.22	10.2	56.14
Price/Cash Flow High	- -	- -	- -	- -	-11.35	15.19	-4.82	22.92	66.73
Price/Cash Flow Low	- -	- -	- -	- -	-7.84	11.58	-3.31	6.62	40.48
Price/Free Cash Flow Average	- -	- -	- -	- -	-10.57	13.4	-4.37	10.3	54.1
Price/Free Cash Flow High	- -	- -	- -	- -	-12.08	15.18	-4.99	23.15	64.31
Price/Free Cash Flow Low	- -	- -	- -	- -	-8.34	11.57	-3.43	6.68	39.01
EV/Sales Average	- -	- -	- -	- -	- -	0.56	2.67	2.92	5.08
EV/Sales High	- -	- -	- -	- -	- -	0.98	3.16	8.46	6.46
EV/Sales Low	- -	- -	- -	- -	- -	0.13	1.93	1.35	3.04
EV/EBITDA Average	-238.79	-182.63	-248.12	-307.27	-19.21	3.99	16.93	29.91	55.67
EV/EBITDA High	-238.79	-182.63	-248.12	-307.27	-15.51	6.95	20.07	86.83	70.8
EV/EBITDA Low	-238.79	-182.63	-248.12	-307.27	-24.64	0.96	12.22	13.87	33.3
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	10.15	10.7	14.06	43	33.89
High Price	- -	- -	- -	- -	11.3	11.88	14.25	46	45
Enterprise Value Average	-66	-58	-102	-139	-90	23	122	177	376
Enterprise Value High	-66	-58	-102	-139	-73	41	145	514	478
Enterprise Value Low	-66	-58	-102	-139	-115	6	88	82	225

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	12	12	12	12	12	13	13	14	14
Diluted Weighted Avg Shares	12	12	12	12	13	13	13	13	14
Basic Weighted Avg Shares	12	12	12	12	12	12	13	13	14
Revenue per Share	1.11	1.28	1.58	2.23	3.03	3.35	3.6	4.6	5.17
EBITDA per Share	0.02	0.03	0.03	0.04	0.38	0.47	0.57	0.45	0.47
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-0.06	-0.51	-0.68	2.27	-1	0.78	-2.96	2.01	0.67
Free Cash Flow per Basic Share	-0.07	-0.56	-0.71	2.24	-1	0.76	-2.98	1.99	0.64
Cash & Equivalents per Share	5.79	5.05	8.62	12.58	19.68	11.16	7.92	14.38	18.81
Book Value per Share	-0.33	0.06	0.5	1.07	1.97	2.79	3.6	4.88	5.97
Tangible Book Value per Share	2.15	2.49	3.11	4.72	5.54	6.2	7.19	9.98	10.82

GBank Financial Holdings Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)