GBank Financial Holdings Inc. (GBFH) Q3 2025 Earnings Call Transcript
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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- Profit Growth: GBank Financial Holdings Inc. reported a profit of $7.39 million in Q4, translating to $0.51 per share, which marks a significant increase from last year's $5.24 million and $0.37 per share, indicating improved profitability.
- Adjusted Earnings: Excluding items, GBank's adjusted earnings reached $7.59 million or $0.52 per share, showcasing robust performance in core operations and enhancing investor confidence in the company's financial health.
- Revenue Increase: The company's revenue rose by 15.9% to $22.73 million from $19.61 million last year, reflecting strengthened competitiveness and sales capabilities in the market.
- Financial Health: With both profit and revenue growth, GBank Financial Holdings Inc. has improved its financial condition, which is expected to provide stronger support for future expansions and investments.
- Executive Appointment: GBank Financial has appointed Jason Amos as Executive VP and CTO, tasked with leading the bank's technology strategy and modernization efforts, marking a significant step in the company's digital transformation journey.
- Extensive Experience: Amos brings over 20 years of experience in building large-scale technology platforms, having worked at global enterprises like Microsoft, Intel Security, and Dell, as well as serving as CTO for various tech and fintech ventures, which is expected to provide GBank with valuable industry insights.
- Digital Strategy: Under Amos's leadership, GBank will advance towards a digital-first operating model, which will not only enhance customer experience but also strengthen the bank's position in the highly competitive fintech market.
- Future Outlook: This appointment reflects GBank's commitment to technological innovation, aiming to improve operational efficiency through modern technology platforms, thereby driving future business growth and expanding market share.
- Executive Appointment: GBank Financial Holdings Inc. has appointed Jason Amos as Chief Technology Officer, tasked with advancing the bank's technology strategy and modernization efforts to achieve a digital-first operating model.
- Extensive Experience: Amos brings over 20 years of experience in building technology platforms at global enterprises like Microsoft, Intel Security, and Dell, which will enhance GBank's capabilities in cloud platforms and cybersecurity.
- Strategic Focus: In his new role, Amos will concentrate on modernizing ACH processing, increasing automation, and strengthening operational resilience, ensuring the security and scalability of technology platforms to support the bank's long-term growth strategy.
- Digital Asset Integration: Amos will lead GBank's approach to incorporating digital assets and blockchain technologies, emphasizing controlled, non-custodial, and audit-aligned architectures to prioritize governance and security in technology implementation.

- Earnings Release Schedule: GBank Financial Holdings Inc. plans to announce its Q4 2025 financial results on January 28, 2026, at 1:15 PM PST, highlighting its ongoing growth in the financial services sector.
- Conference Call Timing: The company will host its quarterly earnings call on the same day at 2:00 PM PST, allowing investors to participate remotely via the internet, reflecting its commitment to transparency and investor communication.
- Business Background: As a bank holding company headquartered in Las Vegas, GBank focuses on providing financial services to gaming clients across the U.S. and operates in 40 states, showcasing its extensive market reach.
- Product Features: The GBank Visa Signature® Card is tailored for the gaming and sports entertainment markets, further solidifying its competitive edge in specific niche markets.

- Earnings Release Schedule: GBank Financial Holdings Inc. plans to announce its Q4 2025 financial results on January 28, 2026, at 1:15 PM PST, reflecting its ongoing growth in the financial services sector.
- Conference Call Timing: The company will host its quarterly earnings call on the same day at 2:00 PM PST, allowing investors to participate remotely via the internet, demonstrating its commitment to transparency and investor communication.
- Business Context: As a bank holding company headquartered in Las Vegas, GBank operates across 40 states in the U.S., focusing on providing financial services to gaming clients, showcasing its specialized positioning in a niche market.
- Product Features: The GBank Visa Signature® Card is tailored for the gaming and sports entertainment markets, further solidifying its competitive edge in the fintech sector.








