GBank Financial Holdings Inc. (GBFH) Balance Sheet
GBFH balance sheet, 2025
December 31, 2025 · U.S. dollars$1.36B assets = $1.19B liabilities + $165.8M equity
Both columns are drawn to the same scale: what GBFH owns equals what it owes plus shareholders’ equity. Hover a block for its value.
GBFH financial health
Descriptive bands, not a rating. Fiscal 2025.
GBFH balance sheet trends, 2017–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $208.4M2017 | $1.36B2025 | +26.4%/yr | |
| Total liabilities | $179.2M2017 | $1.19B2025 | +26.7%/yr | |
| Shareholders’ equity | $29.2M2017 | $165.8M2025 | +24.3%/yr | |
| Cash & short-term investments | $70.5M2017 | $268.9M2025 | +18.2%/yr | |
| Total debt | $11.3M2020 | $32.3M2025 | +23.3%/yr | |
| Net cash (debt) | $141.9M2020 | $236.6M2025 | +$94.7M | |
| Working capital | −$108.1M2017 | −$874.2M2025 | −$766.1M | |
| Book value per share | $2.392017 | $11.442025 | +21.6%/yr | |
| Debt / equity | 0.182020 | 0.192025 | +0.02 | |
| Shares outstanding | 12.2M2017 | 14.5M2025 | +2.2%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
GBFH assets
GBFH liabilities and equity
GBFH debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
GBFH balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Cash & short-term investments | $268.9M | $189.7M | $100.6M | $139.4M | $240.1M | $153.2M | $105.0M | $61.5M | $70.5M |
| Cash & equivalents | $197.9M | $124.1M | $97.9M | $136.4M | $236.4M | $150.4M | $101.5M | $57.5M | $65.6M |
| Short-term investments | $71.0M | $65.6M | $2.7M | $3.0M | $3.7M | $2.8M | $3.5M | $3.9M | $4.9M |
| Receivables | $7.7M | $0 | $0 | $0 | $3.0M | $3.1M | $1.0M | $1.0M | $619,871 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $920,986 | $0 | $0 |
| Total current assets | $268.9M | $131.2M | $100.6M | $139.4M | $243.2M | $156.4M | $106.9M | $62.5M | $71.1M |
| Property, plant & equipment (net) | $6.4M | $5.4M | $6.2M | $3.8M | $2.8M | $1.3M | $1.5M | $1.4M | $1.1M |
| Goodwill & intangible assets | $11.1M | $9.0M | $7.1M | $9.4M | $8.2M | $7.1M | $4.8M | $4.1M | $3.0M |
| Long-term investments | $71.0M | $106.2M | $100.4M | $107.5M | $3.7M | $2.8M | $3.5M | $3.9M | $4.9M |
| Other non-current assets | $1.00B | $873.9M | $704.1M | $418.6M | $362.4M | $303.1M | $227.7M | $166.5M | $128.3M |
| Total assets | $1.36B | $1.13B | $918.4M | $678.7M | $620.3M | $470.6M | $344.3M | $238.4M | $208.4M |
| Liabilities | |||||||||
| Accounts payable | — | — | — | $3.0M | $1.9M | $5.4M | $4.8M | $3.5M | $1.9M |
| Short-term debt | $371,000 | $907,000 | $30.0M | — | — | — | — | — | — |
| Total current liabilities | $1.14B | $610.4M | $775.7M | $558.4M | $511.5M | $394.7M | $301.6M | $203.9M | $179.2M |
| Long-term debt | $26.2M | $26.1M | $26.0M | $25.9M | $25.9M | $11.3M | $0 | $0 | $0 |
| Lease obligations | $5.8M | $4.8M | $5.5M | $3.0M | $1.9M | — | — | — | — |
| Other long-term liabilities | $24.5M | $20.5M | $18.2M | $7.6M | $7.1M | $0 | $0 | $0 | $0 |
| Total liabilities | $1.19B | $984.9M | $820.0M | $591.9M | $544.5M | $406.0M | $301.6M | $203.9M | $179.2M |
| Shareholders' equity | |||||||||
| Common stock & paid-in capital | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,218 | $960 | $910 | $871 |
| Retained earnings (deficit) | $85.4M | $64.4M | $45.8M | $34.9M | $24.0M | $13.0M | $6.1M | $728,803 | −$4.0M |
| Accumulated other comprehensive income | −$17,000 | −$1.3M | −$252,000 | −$210,000 | $13,091 | $13,028 | −$13,950 | −$45,500 | −$31,948 |
| Total shareholders' equity | $165.8M | $140.7M | $98.4M | $86.8M | $75.8M | $64.6M | $42.7M | $34.5M | $29.2M |
| Key figures | |||||||||
| Total debt | $32.3M | $30.9M | $61.5M | $28.9M | $27.8M | $11.3M | — | — | — |
| Net cash (debt) | $236.6M | $158.8M | $39.1M | $110.5M | $212.3M | $141.9M | — | — | — |
| Working capital | −$874.2M | −$479.2M | −$675.1M | −$419.0M | −$268.3M | −$238.3M | −$194.7M | −$141.4M | −$108.1M |
| Tangible book value | $154.6M | $131.7M | $91.4M | $77.4M | $67.6M | $57.5M | $37.9M | $30.4M | $26.2M |
| Book value per share | $11.44 | $10.48 | $7.55 | $6.74 | $5.89 | $5.30 | $3.51 | $2.83 | $2.39 |
| Shares outstanding | 14.5M | 13.4M | 13.0M | 12.9M | 12.9M | 12.2M | 12.2M | 12.2M | 12.2M |
| Current ratio | 0.24 | 0.21 | 0.13 | 0.25 | 0.48 | 0.40 | 0.35 | 0.31 | 0.40 |
| Quick ratio | 0.24 | 0.31 | 0.13 | 0.25 | 0.48 | 0.40 | 0.35 | 0.31 | 0.40 |
| Debt / equity | 0.19 | 0.22 | 0.62 | 0.33 | 0.37 | 0.18 | — | — | — |
| Equity / assets | 12.2% | 12.5% | 10.7% | 12.8% | 12.2% | 13.7% | 12.4% | 14.5% | 14.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $6.7M | $5.0M | $268.9M | $189.2M | $226.1M | $218.4M | $189.7M | $71.0M | $71.0M | $54.2M | $100.6M | $66.2M |
| Cash & equivalents | $6.7M | $5.0M | $197.9M | $103.4M | $143.2M | $147.0M | $124.1M | $71.0M | $71.0M | $54.2M | $97.9M | $66.2M |
| Short-term investments | $115.0M | $111.3M | $71.0M | $85.8M | $82.9M | $71.5M | $65.6M | — | — | — | $2.7M | — |
| Receivables | $8.8M | $8.3M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | — | $0 | $0 | $0 | $0 |
| Total current assets | $6.7M | $5.0M | $268.9M | $189.2M | $226.1M | $218.4M | $189.7M | — | $71.0M | $54.2M | $100.6M | $66.2M |
| Property, plant & equipment (net) | $6.2M | $6.3M | $6.4M | $6.4M | $6.5M | $6.8M | $5.4M | $0 | $5.4M | $0 | $6.2M | $0 |
| Goodwill & intangible assets | $12.3M | $11.4M | $11.1M | $0 | $9.7M | $9.2M | $9.0M | $0 | $9.0M | $0 | $7.1M | $0 |
| Long-term investments | $115.0M | $111.3M | $71.0M | $124.4M | $122.4M | $111.4M | $106.2M | $85.4M | $58.9M | $89.6M | $100.4M | $101.0M |
| Other non-current assets | $1.29B | $1.26B | $1.00B | $981.5M | $867.7M | $844.2M | $815.3M | $962.6M | $903.9M | $819.7M | $704.1M | $562.1M |
| Total assets | $1.43B | $1.39B | $1.36B | $1.30B | $1.23B | $1.19B | $1.13B | $1.05B | $1.05B | $963.5M | $918.4M | $729.3M |
| Liabilities | ||||||||||||
| Accounts payable | — | — | — | — | — | — | — | $17.0M | $17.0M | $12.5M | — | $10.7M |
| Short-term debt | $505,000 | $756,000 | $371,000 | — | — | — | $907,000 | — | $12.0M | $10.0M | $30.0M | — |
| Total current liabilities | $5.4M | $756,000 | $1.14B | $1.09B | $1.03B | $995.9M | $935.1M | — | $900.5M | $829.4M | $775.7M | $604.4M |
| Long-term debt | $30.3M | $30.3M | $26.2M | $26.1M | $26.1M | $26.1M | $26.1M | $26.1M | $26.1M | $26.0M | $26.0M | $26.0M |
| Lease obligations | $5.4M | $5.6M | $5.8M | $5.9M | $6.1M | $6.3M | $4.8M | $5.0M | $5.2M | $5.4M | $5.5M | $4.3M |
| Other long-term liabilities | $1.22B | $1.20B | $24.5M | $24.9M | $22.1M | $21.3M | $20.5M | — | $5.1M | $5.4M | $18.2M | $4.3M |
| Total liabilities | $1.26B | $1.23B | $1.19B | $1.14B | $1.08B | $1.04B | $984.9M | $931.6M | $931.6M | $860.9M | $820.0M | $634.7M |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | — | $57.3M | $53.3M | $1,000 | $52.6M |
| Retained earnings (deficit) | $92.1M | $86.7M | $85.4M | $78.0M | $73.7M | $68.9M | $64.4M | $59.2M | $59.2M | $49.5M | $45.8M | $42.3M |
| Accumulated other comprehensive income | −$1.9M | −$1.1M | −$17,000 | $206,000 | −$1.2M | −$1.0M | −$1.3M | — | −$97,000 | −$258,000 | −$252,000 | −$270,000 |
| Total shareholders' equity | $172.8M | $167.6M | $165.8M | $158.2M | $151.7M | $146.6M | $140.7M | $116.4M | $116.4M | $102.6M | $98.4M | $94.6M |
| Key figures | ||||||||||||
| Total debt | $35.7M | $35.9M | $32.3M | $32.1M | $32.2M | $32.4M | $30.9M | $26.1M | $31.1M | $41.4M | $61.5M | $30.3M |
| Net cash (debt) | −$29.0M | −$30.9M | $236.6M | $157.1M | $193.9M | $186.0M | $158.8M | $44.9M | $39.9M | $12.7M | $39.1M | $35.9M |
| Working capital | $1.3M | $4.2M | −$874.2M | −$903.0M | −$806.3M | −$777.5M | −$745.3M | — | −$829.6M | −$775.3M | −$675.1M | −$538.2M |
| Tangible book value | $160.5M | $156.2M | $154.6M | $158.2M | $142.0M | $137.4M | $131.7M | $116.4M | $107.4M | $102.6M | $91.4M | $94.6M |
| Book value per share | $11.91 | $11.56 | $11.39 | $10.90 | $10.43 | $10.08 | $10.38 | $8.23 | $8.59 | $7.96 | $7.53 | $7.45 |
| Shares outstanding | 14.5M | 14.5M | 14.6M | 14.5M | 14.6M | 14.5M | 13.6M | 14.1M | 13.6M | 12.9M | 13.1M | 12.7M |
| Current ratio | 1.25 | 6.56 | 0.24 | 0.17 | 0.22 | 0.22 | 0.20 | — | 0.08 | 0.07 | 0.13 | 0.11 |
| Quick ratio | 2.88 | 17.49 | 0.24 | 0.17 | 0.22 | 0.22 | 0.20 | — | 0.08 | 0.07 | 0.13 | 0.11 |
| Debt / equity | 0.21 | 0.21 | 0.19 | 0.20 | 0.21 | 0.22 | 0.22 | 0.22 | 0.27 | 0.40 | 0.62 | 0.32 |
| Equity / assets | 12.1% | 12.0% | 12.2% | 12.2% | 12.3% | 12.3% | 12.5% | 11.1% | 11.1% | 10.6% | 10.7% | 13.0% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 30, 2026); data from EODHD.
GBFH financial position
At the end of fiscal 2025 (December 31, 2025), GBank Financial had total assets of $1.4 billion (up 20.8% from a year earlier), total liabilities of $1.2 billion and shareholders' equity of $165.8 million. It held $268.9 million in cash and short-term investments against $32.3 million of debt, a net cash position of $236.6 million. Its current ratio was 0.24. In the latest quarter (ended June 30, 2026) total assets were $1.4 billion and equity $172.8 million.
Related: GBFH income statement, GBFH cash flow statement, GBFH key metrics. See the GBFH stock overview for the latest quote and news.
GBFH balance sheet FAQ
What are GBank Financial's total assets?
GBank Financial reported total assets of $1.4 billion at the end of fiscal 2025 (December 31, 2025), compared with $1.1 billion a year earlier.
How much debt does GBank Financial have?
GBank Financial had $32.3 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.19.
How much cash does GBank Financial have?
GBank Financial held $268.9 million in cash and short-term investments at the end of fiscal 2025; with $32.3 million of debt that is net cash of $236.6 million.
What is GBank Financial's book value?
GBank Financial's shareholders' equity (book value) was $165.8 million at the end of fiscal 2025, or $11.44 per share.
What is GBank Financial's current ratio?
GBank Financial had current assets of $268.9 million and current liabilities of $1.1 billion, a current ratio of 0.24 (current liabilities exceed current assets).
How much goodwill does GBank Financial have?
GBank Financial carried $11.1 million of goodwill and intangible assets, 0.8% of total assets, at the end of fiscal 2025.