GBank Financial Holdings

GBFH

Banks - Regional · Financial Services

Price

$30.74

-1.20 (-3.76%)

Market Cap

$444.8M

Exchange

NASDAQ

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Share count rising — dilution

+12.5% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 12.9M (2021) → 14.5M (2025)

GBank Financial Holdings Inc. operates as a bank holding company for Bank of George that provides banking products and services in Nevada. The company offers business and personal checking accounts. It also provides personal saving services, including money market accounts, certificates of deposit, and personal savings accounts; and business savings, which includes business money market accounts, business certificates of deposit, and business savings accounts. In addition, it offers personal and

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+18.6% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

-70.6% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

34.2%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$5M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

GBank Financial Holdings is a rare growth stock that's already generating positive cash flow while growing at 19%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

59.7%

Premium pricing power — 59.7% gross margin

Operating Margin

5.0%

Thin — 5.0% operating margin

ROCE

0.7%

Weak — 0.7% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+31.1%

Fast-growing sales (31.1% YoY)

EPS YoY

-13.2%

Earnings shrinking (-13.2% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

-94%

Weak — only -94% of profit becomes cash

FCF Margin

-15.2%

Burning cash (-15.2%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

0.18

Conservative — low debt load (0.18)

Interest Cover

0.64x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

24.8x

Growth-priced — P/E 24.8

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

+9.0

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (24.8 → 15.7)

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Dividends

Not applicable for this business.

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