GBank Financial Holdings Inc. (GBFH) Income Statement
GBFH 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsGBFH revenue and net income
Where GBFH's revenue goes
2025Each bar shows an amount and its share of revenue. GBFH kept 19.1% of revenue as net income.
GBFH profit margins
GBFH growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +82.3% | +34.3% | +30.7% | — |
| Gross profit | +214.5% | +21.3% | +23.5% | — |
| Operating income | +13.3% | +24.5% | +23.8% | — |
| Net income | +12.3% | +24.4% | +24.6% | — |
| EPS (diluted) | +16.8% | +24.5% | +23.8% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
GBFH quarterly EPS vs estimates
GBank Financial beat the analyst EPS estimate in 3 of the last 8 quarters. Next report: October 27, 2026 (estimate $0.44).
GBFH income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $109.6M | $60.1M | $59.0M | $45.2M | $38.5M | $28.7M | $21.3M | $16.4M | $13.8M |
| Cost of revenue | $37.4M | $67.5M | $14.3M | $4.8M | $2.6M | $3.5M | $3.5M | $1.1M | $531,472 |
| Gross profit | $72.2M | $22.9M | $44.7M | $40.5M | $35.9M | $25.2M | $17.8M | $15.3M | $13.3M |
| Sales, general & admin | $27.1M | $13.3M | $20.1M | $17.0M | $13.5M | $10.5M | $7.1M | $6.1M | $5.1M |
| Total operating expenses | $45.1M | $36.2M | $31.2M | $26.4M | $21.5M | $15.8M | $11.1M | $9.3M | $7.8M |
| Operating income | $27.1M | $23.9M | $13.5M | $14.0M | $14.4M | $9.3M | $6.7M | $6.0M | $5.5M |
| Interest income | $84.3M | $75.2M | $51.3M | $28.8M | $19.1M | $16.8M | $16.2M | $11.2M | $8.4M |
| Interest expense | $33.6M | $29.0M | $13.2M | $3.4M | $1.5M | $1.5M | $2.1M | $746,643 | $354,472 |
| Income before taxes | $26.9M | $23.9M | $13.5M | $14.0M | $14.4M | $9.3M | $6.7M | $6.0M | $5.5M |
| Income taxes | $6.0M | $5.3M | $2.6M | $3.2M | $3.5M | $2.3M | $1.4M | $1.3M | $2.7M |
| Net income | $20.9M | $18.6M | $10.9M | $10.9M | $11.0M | $7.0M | $5.3M | $4.7M | $2.8M |
| EBITDA | $33.8M | $30.9M | $20.7M | $19.9M | $19.1M | $9.8M | $7.2M | $6.3M | $5.8M |
| EPS (diluted) | $1.60 | $1.37 | $0.85 | $0.83 | $0.88 | $0.55 | — | — | — |
| Gross margin | 65.8% | 38.2% | 75.8% | 89.5% | 93.4% | 87.7% | 83.4% | 93.0% | 96.2% |
| Operating margin | 24.7% | 39.8% | 22.9% | 31.0% | 37.5% | 32.5% | 31.6% | 36.4% | 39.7% |
| Net margin | 19.1% | 31.0% | 18.5% | 24.0% | 28.5% | 24.3% | 25.0% | 28.6% | 20.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $19.1M | $28.6M | $30.0M | $28.2M | $25.6M | $24.5M | $16.2M | $15.7M | $23.2M | $19.4M | $16.9M | $14.1M |
| Cost of revenue | $12.8M | $11.7M | $9.1M | $10.8M | $9.3M | $8.2M | $18.9M | — | $8.1M | $6.6M | $5.6M | $3.6M |
| Gross profit | $19.1M | $16.9M | $20.9M | $17.4M | $16.4M | $16.3M | $6.2M | — | $15.1M | $12.8M | $11.3M | $10.6M |
| Sales, general & admin | $1.0M | $7.7M | $6.6M | $7.9M | $6.7M | $6.6M | $3.5M | $5.7M | $5.7M | $5.5M | $4.7M | $5.2M |
| Total operating expenses | $12.0M | $15.4M | $11.5M | $11.8M | $10.1M | $10.6M | $9.7M | — | $8.6M | $8.0M | $7.0M | $8.3M |
| Operating income | $7.1M | $1.5M | $9.4M | $5.6M | $6.2M | $5.7M | $6.5M | — | $6.5M | $4.8M | $4.3M | $2.3M |
| Interest income | $22.7M | $21.6M | $22.7M | $21.6M | $20.6M | $19.4M | $19.6M | $19.7M | $18.5M | $17.4M | $15.6M | $12.9M |
| Interest expense | $9.9M | $9.4M | $9.3M | $8.6M | $8.2M | $7.5M | $7.8M | $7.5M | $7.5M | $6.6M | $5.1M | $3.4M |
| Income before taxes | $7.1M | $1.5M | $9.4M | $5.6M | $6.2M | $5.7M | $6.5M | $6.5M | $6.5M | $4.8M | $4.3M | $2.3M |
| Income taxes | $1.6M | $139,000 | $2.0M | $1.3M | $1.5M | $1.2M | $1.2M | — | $1.5M | $1.1M | $774,000 | $516,000 |
| Net income | $5.5M | $1.3M | $7.4M | $4.3M | $4.8M | $4.5M | $5.2M | $5.0M | $5.0M | $3.7M | $3.5M | $1.8M |
| EBITDA | $7.1M | $3.3M | $9.4M | $7.4M | $7.9M | $7.2M | $6.5M | — | $8.0M | $6.5M | $4.3M | $2.3M |
| EPS (diluted) | $0.38 | $0.31 | $0.52 | $0.44 | $0.33 | $0.31 | $0.36 | $0.38 | $0.35 | $0.28 | $0.27 | $0.14 |
| Gross margin | 100.0% | 59.1% | 69.7% | 61.6% | 63.8% | 66.4% | 38.3% | — | 65.3% | 65.9% | 67.1% | 74.7% |
| Operating margin | 37.1% | 5.1% | 31.4% | 19.8% | 24.4% | 23.3% | 40.0% | — | 28.1% | 24.8% | 25.5% | 16.2% |
| Net margin | 28.6% | 4.6% | 24.7% | 15.3% | 18.6% | 18.3% | 32.4% | 31.9% | 21.6% | 19.1% | 20.9% | 12.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in GBFH's financial statements (latest annual report filed March 30, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
GBFH financial results
In fiscal year 2025 (ended December 31, 2025), GBank Financial reported revenue of $109.6 million, up 82.3% from the year before. It had net income of $20.9 million (up 12.3%), a net profit margin of 19.1%. Diluted earnings per share came to $1.60. Over five years revenue grew at an average rate of 30.7% a year.
See the GBFH stock overview for the latest quote and news, or the GBFH chart for price history and technical indicators.
GBFH income statement FAQ
What is GBank Financial's annual revenue?
GBank Financial reported total revenue of $109.6 million for fiscal year 2025, which ended on December 31, 2025. That was up 82.3% from $60.1 million the previous year.
Is GBank Financial profitable?
Yes. GBank Financial reported net income of $20.9 million in fiscal 2025, a net profit margin of 19.1%; its operating margin was 24.7%.
What is GBank Financial's gross margin?
GBank Financial's gross margin was 65.8% in fiscal 2025: for every $100 of revenue, GBank Financial kept $66 after the direct cost of its products and services.
How fast is GBank Financial growing?
Revenue grew 30.7% a year on average over the last five fiscal years, from $28.7 million to $109.6 million.
What are GBank Financial's earnings per share?
GBank Financial earned $1.60 per diluted share in fiscal 2025, compared with $1.37 a year earlier.
When will GBank Financial report its next earnings?
GBank Financial is expected to report results for the quarter ending September 30, 2026 on October 27, 2026 after the market closes.
When does GBank Financial's fiscal year end?
GBank Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 30, 2026.