GBank Financial Holdings Inc. (GBFH) Q3 2025 Earnings Call Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 29 2025
0mins
Should l Buy GBFH?
Source: SeekingAlpha
Quarterly Earnings $4.3 million or $0.30 per diluted share, a decrease of $500,000 compared to the prior quarter earnings of $4.8 million. The decrease was due to approximately $2 million or $0.14 per share in unusual operating expenses, including $900,000 for the resolution of the contract related to the departure of the prior CEO, $728,000 for a direct mail marketing campaign, $258,000 related to a DDoS cyber attack, and $707,000 related to fraudulent revolving balance accounts.
Net Revenue $20.2 million, a 13.5% increase quarter-over-quarter. This growth demonstrates the impact of digital banking programs on earnings.
Interest Income $13 million, a 4.9% increase due to significant loan production and an additional day in the quarter.
On-Balance Sheet Guaranteed Loan Balances $260.5 million, an increase of $22.9 million for the quarter.
Net Interchange Income Up 56.7% over the prior quarter, with total credit card transaction volume increasing by 57% to $131 million. This was driven by the launch of a new online credit card application system.
Gain on Sale Revenue Increased 38.5% over the linked quarter, with SBA and commercial lending achieving record loan production of $242 million, up $82 million over the prior quarter. GAAP gain on sale pricing increased by 15 basis points in the quarter.
Total Assets Over $1.3 billion, an increase of $69 million or 5.6% during the quarter. Shareholders' equity grew 4.2% to $158 million.
Average Earning Assets Increased by $34 million over the linked quarter, supporting the bank's growth strategy.
Nonperforming Assets (NPAs) Increased by $5.8 million to $10.4 million, representing 0.8% of total assets. The increase was attributed to 7 loans, including 4 hotel loans and 3 non-hospitality loans, but no significant trends indicating additional risk were identified.
Loan Growth Over $90 million in loan growth during the quarter.
Net Interest Margin Well over 4%, supported by funding growth with time deposits and interest-bearing money market accounts.
Liquidity On-balance sheet liquidity of $253 million and borrowing capacity of $504 million. The bank replaced 70% of on-balance sheet deposits in under 24 hours.
Tier 1 Capital Ratio 13.37%, down from 13.82% last quarter due to balance sheet growth offset by current earnings.
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About GBFH
GBank Financial Holdings Inc. is a bank holding company, which conducts business through its wholly owned subsidiary, GBank (the Bank). The Bank provides banking services to commercial and consumer customers. The Bank’s business is concentrated in the Las Vegas, Nevada area and is subject to the general economic conditions of that area. The Bank’s primary market for deposit customers is in Las Vegas and Clark County, Nevada, although the Bank accepts deposits from deposit listing services as needed to support its funding needs. The Bank’s lending operations are carried out in local market area, comprised of Nevada, California, Utah, and Arizona, and across the United States primarily through the origination and servicing of the United States Small Business Administration (SBA) and the United States Department of Agriculture (USDA) loans. Its Small Business Administration (SBA) Loans include SBA 504 loan program, SBA 7(a) loan program, USDA B&I loan program, and others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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