GBank Financial Holdings (GBFH) Net Interest Margin Near 4.3% Tests Premium Valuation Narratives

Simply Wall St.

Jan 30

GBank Financial Holdings (GBFH) just closed out FY 2025 with Q4 revenue of US$20.9 million and basic EPS of US$0.52, as investors weigh how these latest numbers fit into the broader growth story. The ...

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The ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-gbfh/gbank-financial-holdings/news/gbank-financial-holdings-gbfh-net-interest-margin-near-43-te\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>GBank Financial Holdings (GBFH) Net Interest Margin Near 4.3% Tests Premium Valuation Narratives</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nGBank Financial Holdings (GBFH) Net Interest Margin Near 4.3% Tests Premium Valuation Narratives\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-30 07:57 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nasdaq-gbfh/gbank-financial-holdings/news/gbank-financial-holdings-gbfh-net-interest-margin-near-43-te><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>GBank Financial Holdings (GBFH) just closed out FY 2025 with Q4 revenue of US$20.9 million and basic EPS of US$0.52, as investors weigh how these latest numbers fit into the broader growth story. The ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-gbfh/gbank-financial-holdings/news/gbank-financial-holdings-gbfh-net-interest-margin-near-43-te\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4211","symbol_name":"区域性银行","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nasdaq-gbfh/gbank-financial-holdings/news/gbank-financial-holdings-gbfh-net-interest-margin-near-43-te","article_id":"2607067560","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7012000-choice2-main-header/1585186732814"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nasdaq-gbfh/gbank-financial-holdings/news/gbank-financial-holdings-gbfh-net-interest-margin-near-43-te","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2607067560","pubTimestamp":1769731075,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"GBank Financial Holdings (GBFH) just closed out FY 2025 with Q4 revenue of US$20.9 million and basic EPS of US$0.52, as investors weigh how these latest numbers fit into the broader growth story. The company reported quarterly revenue of US$16.2 million in Q4 2024 and US$20.9 million in Q4 2025, with trailing twelve month EPS at US$1.46 and net income at US$20.9 million. This sets up a results season where the focus naturally turns to how durable those earnings and margins look. Overall, the...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4211":"区域性银行","GBFH":"GBank Financial Holdings Inc."},"translate_title":"GBank Financial Holdings(GBFH)净息差接近4.3%考验溢价估值叙事","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"GBFH":1.5},"content_text":"GBank Financial Holdings (GBFH) just closed out FY 2025 with Q4 revenue of US$20.9 million and basic EPS of US$0.52, as investors weigh how these latest numbers fit into the broader growth story. The company reported quarterly revenue of US$16.2 million in Q4 2024 and US$20.9 million in Q4 2025, with trailing twelve month EPS at US$1.46 and net income at US$20.9 million. This sets up a results season where the focus naturally turns to how durable those earnings and margins look. Overall, the print gives investors several points to consider regarding earnings quality and margin resilience. See our full analysis for GBank Financial Holdings. With the latest figures on the table, the next step is to see how these results line up with the widely discussed growth and risk narratives around the stock, and where the numbers might challenge those views. Curious how numbers become stories that shape markets? Explore Community Narratives NasdaqCM:GBFH Revenue & Expenses Breakdown as at Jan 2026 AdvertisementNet Interest Margin Steady Around 4.3%  Across FY 2025, net interest margin sat at 4.47% in Q1, 4.31% in Q2 and 4.35% in Q3, with the trailing twelve month figure at 4.33%. What stands out for a bullish view is that this margin level sits alongside trailing twelve month net profit of US$20.9 million and EPS of US$1.46. This supports the idea of a solid core banking engine but also shows:\n     Trailing net profit margin is 29%, compared with 31% a year earlier, so profitability has been strong but not expanding in the latest year. Earnings have grown 24.5% per year over five years, while one year earnings growth is 12.3%, so the recent pace is lower than the longer term track record even with healthy margins.    To see how this earnings profile lines up with valuation checks and longer term growth expectations, you may want to read the full narrative before deciding what it means for you as an investor. 📊 Read the full GBank Financial Holdings Consensus Narrative. Loan Book Near US$959 Million With Higher Non Performing Ratio  GBank finished FY 2025 with total loans of US$959.3 million and non performing loans of US$33.0 million, which is 3.4% of the book. Critics highlight asset quality as a key bearish angle, and the current data gives them specific numbers to point to and test:\n     The 3.4% non performing loan ratio is described as high, and the allowance coverage of 30% is described as low relative to that level of problem loans. With earnings still positive at US$20.9 million over the last twelve months, the bear argument focuses less on current profitability and more on how a higher non performing base could pressure that profitability if credit costs rise from here.    Premium 22x P/E Against Banks Peers  The stock trades on a trailing P/E of 22x, compared with 11.7x for the US banks industry and 10x for peers, while a DCF fair value of US$35.87 sits above the current share price of US$31.96. Supporters of a bullish stance point to the earnings record and growth forecasts to justify that premium, but the figures give a mixed picture:\n     Five year earnings growth of 24.5% per year and forecast earnings growth of 41% per year, alongside forecast revenue growth of 22.2% per year, help explain why the DCF fair value is about US$3.91 above the current price. At the same time, the 29% net margin is slightly below last year’s 31%, so the higher P/E and DCF fair value are being compared against a year where profitability has not expanded. This is where more cautious investors focus their questions.     Next Steps Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on GBank Financial Holdings's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move. See What Else Is Out There GBank’s premium 22x P/E, slightly lower net margin, higher non performing loan ratio and modest coverage all point to some balance sheet and valuation pressure. If those issues leave you wanting sturdier fundamentals, use our solid balance sheet and fundamentals stocks screener (389 results) to find companies that combine healthier asset quality with more conservative financial strength.  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: Manage All Your Stock Portfolios in One PlaceWe've created the ultimate portfolio companion for stock investors, and it's free.• Connect an unlimited number of Portfolios and see your total in one currency• Be alerted to new Warning Signs or Risks via email or mobile• Track the Fair Value of your stocksTry a Demo Portfolio for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}