NASDAQ
GBFH
Last Price
US $31.18
KEY FIGURES
MKT CAP
$444.2M
EPS
TTM
$1.23
PEG
TTM
-
P/E
TTM
24.73x
P/S
TTM
4.05x
YIELD
0.00%
GROWTH
Revenue Y/Y
30.74%
(FY vs FY)
EBITDA Y/Y
Cash Flow (DCF)
Fair Value
Market $31.18
—
Default assumptions
EBITDA Multiple
Fair Value
Market $31.18
-54.97%
Default assumptions
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
GBank Financial Holdings Inc. cash flow to debt ratio of 0.00% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial risk - Healthy cash flow growth.
GBank Financial Holdings Inc.'s free cash flow has decreased -100.00% from $26.29M last year to $0.00, signaling decreasing performance
Financial stability - Healthy debt to equity ratio.
GBank Financial Holdings Inc.'s debt to equity ratio is 0.21, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
GBank Financial Holdings Inc.'s debt has decreased relative to shareholder equity from 0.22 last year to 0.21 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
GBank Financial Holdings Inc. has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
GBank Financial Holdings Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial risk - Profit margin growth.
GBank Financial Holdings Inc.'s profit margin has decreased (-48.98%) in the last year from 30.99% to 15.81%, signaling decreasing performance
Financial risk - Short term assets vs short term liabilities.
GBank Financial Holdings Inc.'s short-term liabilities of $1.14G exceed its short-term assets of $268.90M, signaling financial risk
Decreasing performance - ROA.
GBank Financial Holdings Inc.'s return on assets of 1.28% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
GBank Financial Holdings Inc.'s return on equity of 11.05%, is lower than 15.00%, indicating bad performance
Decreasing performance - Earnings quality.
GBank Financial Holdings Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
GBank Financial Holdings Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
GBank Financial Holdings Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Decreasing performance - FCF yield.
GBank Financial Holdings Inc. has a free cash flow yield of 0.00%, which is below the 2.00% threshold, indicating limited cash return relative to market value
Increasing performance - Healthy earnings growth.
GBank Financial Holdings Inc.'s yearly earnings has increased 12.30% since last year from $18.64M to $20.93M, signaling increasing performance
Increasing performance - Healthy revenue growth.
GBank Financial Holdings Inc.'s yearly revenue has increased 40.21% since last year from $60.14M to $84.33M, signaling increasing performance
Decreasing performance - ROIC.
ROIC 1.28% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
GBank Financial Holdings Inc.'s 3-year revenue CAGR of 34.31% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
GBank Financial Holdings Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
GBank Financial Holdings Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
GBank Financial Holdings Inc. has insufficient data to evaluate this check.
Undervalued - Earnings yield.
GBank Financial Holdings Inc. has an earnings yield of 4.02%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
GBank Financial Holdings Inc. is overvalued relative to its fair value price of 14.04 based on EBITDA multiple model
Undervalued - EV/EBITDA.
GBank Financial Holdings Inc. has an EV/EBITDA ratio of 16.98x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Overvalued - PEG ratio value.
GBank Financial Holdings Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails
Undervalued - P/B ratio.
GBank Financial Holdings Inc. has a price-to-book ratio of 2.64x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
GBank Financial Holdings Inc. has a price-to-sales ratio of 3.95x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
11.05%
Return on equity
ROIC: 1.28%
Valuation History
24.7X
Price to Earnings
EV/EBITDA: 17.0X
Cash flow
Profit margin
28.07%
(FY vs FY)
Cash flow Y/Y
0.00%
(FY vs FY)
EARNINGS FV (GRAHAM)
Fair Value
Market $31.18
43.49%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.