GBank Financial Holdings Inc. (GBFH) Key Metrics
GBFH valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $254.3M
- Enterprise value
- $148.7M
- P/E (TTM)
- 13.7 10-yr median 16.8
- Forward P/E
- 13.9
- PEG ratio
- —
- Price / sales
- 3.4 10-yr median 3.4
- Price / book
- 1.6 10-yr median 1.9
- EV / EBITDA
- — 10-yr median 7.2
- Dividend yield
- —
- Beta
- 0.01
GBFH key metrics, 2017–2025
Fiscal year ended December 31, 2025 · U.S. dollarsGBFH valuation Price multiples at each fiscal year-end price.
GBFH returns How much profit the business earns on the capital it uses.
GBFH per-share figures Results divided by the shares outstanding at year-end.
GBFH financial health Debt, liquidity and how easily interest is covered.
GBFH efficiency & capital use Working capital cycle and where the cash goes.
GBFH valuation history
GBFH returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
GBFH debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
GBFH price vs earnings per share
GBFH key metrics
2017–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|
| Valuation | |||||||||
| Market capitalization | $490.9M | $577.3M | $183.4M | $137.9M | $130.7M | — | — | — | — |
| Enterprise value | $254.3M | $418.5M | $144.3M | $27.4M | −$81.7M | — | — | — | — |
| P/E ratio | 23.5 | 31.0 | 16.8 | 12.7 | 11.9 | — | — | — | — |
| Price / sales | 4.5 | 9.6 | 3.1 | 3.0 | 3.4 | — | — | — | — |
| Price / book | 3.0 | 4.1 | 1.9 | 1.6 | 1.7 | — | — | — | — |
| Price / free cash flow | 53.7 | 22.0 | — | 14.6 | — | — | — | — | — |
| Price / operating cash flow | 50.9 | 21.8 | — | 14.1 | — | — | — | — | — |
| EV / sales | 2.3 | 7.0 | 2.4 | 0.6 | -2.1 | — | — | — | — |
| EV / EBITDA | 7.5 | 13.5 | 7.0 | 1.4 | — | — | — | — | — |
| EV / free cash flow | 27.8 | 15.9 | — | 2.9 | — | — | — | — | — |
| Earnings yield | 4.3% | 3.2% | 6.0% | 7.9% | 8.4% | — | — | — | — |
| Free cash flow yield | 1.9% | 4.6% | −20.7% | 6.9% | −9.4% | — | — | — | — |
| Share price at fiscal year-end | $33.89 | $43.00 | $14.06 | $10.70 | $10.15 | — | — | — | — |
| Per share | |||||||||
| Revenue per share | $7.57 | $4.48 | $4.52 | $3.51 | $2.99 | $2.36 | $1.75 | $1.35 | $1.14 |
| Earnings per share | $1.44 | $1.39 | $0.84 | $0.84 | $0.85 | $0.57 | $0.44 | $0.39 | $0.23 |
| Operating cash flow per share | $0.67 | $1.97 | −$2.88 | $0.76 | −$0.94 | $2.27 | −$0.68 | −$0.51 | −$0.06 |
| Free cash flow per share | $0.63 | $1.96 | −$2.91 | $0.73 | −$0.95 | $2.24 | −$0.71 | −$0.56 | −$0.07 |
| Cash per share | $18.57 | $14.13 | $7.71 | $10.82 | $18.65 | $12.58 | $8.62 | $5.05 | $5.79 |
| Book value per share | $11.44 | $10.48 | $7.55 | $6.74 | $5.89 | $5.30 | $3.51 | $2.83 | $2.39 |
| Tangible book value per share | $10.67 | $9.81 | $7.01 | $6.01 | $5.25 | $4.72 | $3.11 | $2.49 | $2.15 |
| Capex per share | $0.03 | $0.01 | $0.03 | $0.02 | $0.01 | $0.02 | $0.04 | $0.05 | $0.01 |
| Debt per share | $2.23 | $2.30 | $4.72 | $2.24 | $2.16 | $0.93 | — | — | — |
| Shares outstanding | 14.5M | 13.4M | 13.0M | 12.9M | 12.9M | 12.2M | 12.2M | 12.2M | 12.2M |
| Change in shares outstanding | +7.9% | +2.9% | +1.2% | +0.1% | +5.7% | 0.0% | 0.0% | 0.0% | — |
| Returns & profitability | |||||||||
| Return on equity (ROE) | 13.7% | 15.6% | 11.8% | 13.4% | 15.6% | 13.0% | 13.8% | 14.7% | 9.6% |
| Return on invested capital (ROIC) | — | — | 61.3% | — | — | — | — | — | — |
| Return on assets (ROA) | 1.7% | 1.8% | 1.4% | 1.7% | 2.0% | 1.7% | 1.8% | 2.1% | 1.3% |
| Return on tangible assets | 1.6% | 1.7% | 1.2% | 1.6% | 1.8% | 1.5% | 1.6% | 2.0% | 1.4% |
| Free cash flow margin | 8.3% | 43.7% | −64.3% | 20.9% | −31.8% | 95.3% | −40.6% | −41.5% | −6.1% |
| Income quality (OCF / net income) | 0.46 | 1.42 | −3.44 | 0.90 | −1.11 | 3.95 | −1.54 | −1.32 | −0.25 |
| Financial health | |||||||||
| Total debt | $32.3M | $30.9M | $61.5M | $28.9M | $27.8M | $11.3M | — | — | — |
| Cash & short-term investments | $268.9M | $189.7M | $100.6M | $139.4M | $240.1M | $153.2M | $105.0M | $61.5M | $70.5M |
| Net debt | −$236.6M | −$158.8M | −$39.1M | −$110.5M | −$212.3M | −$141.9M | −$105.0M | −$61.5M | −$70.5M |
| Debt / equity | 0.19 | 0.22 | 0.62 | 0.33 | 0.37 | 0.18 | — | — | — |
| Debt / assets | 0.02 | 0.03 | 0.07 | 0.04 | 0.04 | 0.02 | — | — | — |
| Net debt / EBITDA | −6.99 | −5.14 | −1.88 | −5.55 | −11.10 | −14.51 | −14.66 | −9.79 | −12.23 |
| Current ratio | 0.24 | 0.21 | 0.13 | 0.25 | 0.48 | 0.40 | 0.35 | 0.31 | 0.40 |
| Quick ratio | 0.24 | 0.21 | 0.13 | 0.25 | 0.48 | 0.40 | 0.35 | 0.31 | 0.40 |
| Interest coverage | 0.8 | 0.8 | 1.0 | 4.1 | 9.8 | 6.2 | 3.3 | 8.0 | 15.5 |
| Working capital | −$874.2M | −$479.2M | −$675.1M | −$419.0M | −$268.3M | −$238.3M | −$194.7M | −$141.4M | −$108.1M |
| Invested capital | −$70.9M | −$18.1M | $59.3M | −$23.7M | −$136.5M | −$77.3M | −$62.3M | −$27.0M | −$41.3M |
| Tangible asset value | $154.6M | $131.7M | $91.4M | $77.4M | $67.6M | $57.5M | $37.9M | $30.4M | $26.2M |
| Net current asset value | −$924.8M | −$853.7M | −$719.4M | −$452.5M | −$301.4M | −$249.6M | −$194.7M | −$141.4M | −$108.1M |
| Graham number | $19.29 | $18.09 | $11.92 | $11.31 | $10.63 | $8.27 | $5.87 | $4.96 | $3.52 |
| Graham net-net per share | −$63.45 | −$59.22 | −$55.16 | −$35.12 | −$23.47 | −$20.56 | −$16.08 | −$11.63 | −$8.89 |
| Capital allocation | |||||||||
| Capex / revenue | 0.5% | 0.3% | 0.6% | 0.7% | 0.3% | 0.9% | 2.1% | 3.8% | 1.1% |
| Capex / operating cash flow | 5.1% | 0.7% | — | 3.2% | — | 0.9% | — | — | — |
| Capex / depreciation | 0.07 | 0.03 | 0.05 | 0.05 | 0.02 | 0.57 | 1.08 | 1.97 | 0.54 |
| Stock-based compensation / revenue | 1.9% | 3.2% | 1.3% | 0.5% | 0.4% | 0.2% | 0.6% | 0.7% | 0.4% |
| SG&A / revenue | 24.7% | 22.1% | 34.1% | 37.7% | 35.1% | 36.6% | 33.3% | 37.1% | 36.9% |
| Efficiency | |||||||||
| Days sales outstanding | 25.6 | — | — | — | 29.3 | 26.6 | 17.7 | 18.3 | 16.4 |
| Days payables outstanding | — | — | — | 187.5 | 524.5 | 528.3 | 428.9 | 869.8 | 1,330.5 |
| Cash conversion cycle (days) | — | — | — | — | -495.2 | -501.7 | -411.2 | -851.5 | -1,314.2 |
| Receivables turnover | 14.26 | — | — | — | 12.46 | 13.71 | 20.62 | 19.94 | 22.32 |
| Payables turnover | — | — | — | 1.95 | 0.70 | 0.69 | 0.85 | 0.42 | 0.27 |
| Asset turnover | 0.09 | 0.06 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 |
| Average receivables | $7.7M | — | — | — | $3.1M | $2.1M | $1.0M | $822,140 | $619,871 |
| Average payables | — | — | — | $2.5M | $3.7M | $5.1M | $4.2M | $2.7M | $1.9M |
| Intangibles / total assets | 0.8% | 0.8% | 0.8% | 1.4% | 1.3% | 1.5% | 1.4% | 1.7% | 1.4% |
Computed from GBFH's annual financial statements (latest annual report filed March 30, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
GBFH valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), GBank Financial traded at 23.5 times earnings, against a 9-year median of 16.8. Based on the latest twelve months, the trailing P/E is 13.7 and the forward P/E is 13.9. GBank Financial earned a return on equity of 13.7% in fiscal 2025. It ended the year with $32.3 million of debt and $268.9 million in cash and short-term investments, a net cash position of $236.6 million. The share count rose 18.9% from 12.2M to 14.5M over 8 years.
See the GBFH income statement, the GBFH chart for price history, or the GBFH stock overview for the latest quote and news.
GBFH key metrics FAQ
What is GBank Financial's P/E ratio?
GBank Financial's trailing P/E ratio is 13.7 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 13.9. At the end of fiscal 2025 it was 23.5, compared with a 9-year median of 16.8.
What is GBank Financial's EV/EBITDA?
GBank Financial's enterprise value was 7.5 times EBITDA at the end of fiscal 2025 (enterprise value $254.3 million, EBITDA $33.8 million).
What is GBank Financial's return on equity?
GBank Financial's return on equity (ROE) was 13.7% in fiscal 2025: net income of $20.9 million on average shareholders' equity of $153.2 million.
How much debt does GBank Financial have?
GBank Financial had total debt of $32.3 million at the end of fiscal 2025, a debt-to-equity ratio of 0.19 and more cash than debt.
What is GBank Financial's free cash flow yield?
GBank Financial generated $9.1 million of free cash flow in fiscal 2025, a free cash flow yield of 1.9% on its market value at year-end ($490.9 million).
What is GBank Financial's current ratio?
GBank Financial's current ratio was 0.24 at the end of fiscal 2025: current assets were 0.24 times current liabilities.