GBank Financial Holdings Inc. (NASDAQ: GBFH)

Sector: Financial Services Industry: Banks - Regional CIK: 0001791145
Market Cap 449.78 Mn
P/B 2.84
P/E 24.13
P/S 7.48
ROIC (Qtr) 0.00
Div Yield % 0.00
Rev 1y % (Qtr) 15.23
Total Debt (Qtr) 32.09 Mn
Debt/Equity (Qtr) 0.20

About

Price action

Investment thesis

Bull case

  • Strong tangible asset base of 1.30B provides 40.56x coverage of total debt 32.09M, indicating robust asset backing and low credit risk.

Bear case

  • Deposit liabilities of 1.09B significantly exceed cash reserves of 103.39M, which is 10.56x, indicating potential liquidity risk in stress scenarios.

Peer comparison

Companies in the Banks - Regional
S.No. Ticker Company Market Cap P/E P/S Total Debt (Qtr)
1 USB Us Bancorp \De\ 84.44 Bn 12.40 3.25 77.98 Bn
2 PNC Pnc Financial Services Group, Inc. 84.36 Bn 13.61 3.73 62.34 Bn
3 NU Nu Holdings Ltd. 81.47 Bn 32.21 5.79 4.49 Bn
4 NWG NatWest Group plc 66.53 Bn 9.88 3.05 169.04 Bn
5 TFC Truist Financial Corp 64.60 Bn 13.18 3.53 71.11 Bn
6 MTB M&T Bank Corp 32.73 Bn 12.47 3.60 14.99 Bn
7 FITB Fifth Third Bancorp 31.96 Bn 14.15 3.93 18.94 Bn
8 FCNCA First Citizens Bancshares Inc /De/ 28.98 Bn 12.78 3.26 40.00 Bn

Industry comparisons

Current Valuation Value Ind Avg Percentile
EV to Assets EV to Assets 0.00 0.14
EV to Cash from Ops. EV to Cash from Ops. 0.00 7.21
EV to Debt EV to Debt 0.00 5.20
EV to EBIT EV to EBIT 0.00 14.98
EV to EBITDA EV to EBITDA 0.00 8.92
EV to Free Cash Flow [EV/FCF] EV to Free Cash Flow [EV/FCF] 0.00 8.87
EV to Market Cap EV to Market Cap 0.00 1.04
EV to Revenue EV to Revenue 0.00 -3.76
Price to Book Value [P/B] P/B 2.84 1.17
Price to Earnings [P/E] P/E 24.13 15.63
Dividend Metrics Value Ind Avg Percentile
Dividend Coverage Ratio Dividend Coverage Ratio 0.00 271.44
Dividend Payout Ratio % Div Payout % (Qtr) 0.00 35.28
Dividend per Basic Share Div per Share (Qtr) 0.00 0.89
FCF Dividend Payout Ratio % FCF Div Payout % (Qtr) 0.00 34.52
Interest Coverage Interest Coverage 0.00 -0.05
Growth Metrics Value Ind Avg Percentile
Capex Growth (1y) % Capex 1y % (Qtr) 0.00 -73.15
Cash and Equivalents Growth (1y) % Cash & Equiv 1y % (Qtr) 0.00 15.78
Dividend Growth (1y) % Dividend Growth (1y) % 0.00 5.32
EBIAT Growth (1y) % EBIAT 1y % (Qtr) 0.00 110.93
EBITDA Growth (1y) % EBITDA 1y % (Qtr) 0.00 38.80
EBIT Growth (1y) % EBIT 1y % (Qtr) 0.00 61.46
EBT Growth (1y) % EBT 1y % (Qtr) 0.00 61.37
EPS Growth (1y) % EPS 1y % (Qtr) 0.00 76.34
FCF Growth (1y) % FCF 1y % (Qtr) 0.00 161.72
Gross Profit Growth (1y) % Gross Profit 1y % (Qtr) 0.00 14.15
Liquidity Ratios Value Ind Avg Percentile
Asset Utilization Ratio Asset Util Ratio (Qtr) 0.00 0.04
Cash Payout Ratio Cash Payout (Qtr) 0.00 0.26
Cash Ratio Cash Ratio 0.00 0.00
Current Ratio Current Ratio 0.00 0.01
Debt to Equity Ratio Debt/Equity (Qtr) 0.20 0.53
Interest Cover Ratio Interest Cover Ratio 0.00 -0.05
Times Interest Earned Times Interest Earned 0.00 -0.05
Profitability Value Ind Avg Percentile
EBITDA Margin % EBITDA Margin % (Qtr) 0.00 147.97
EBIT Margin % EBIT Margin % (Qtr) 0.00 155.41
EBT Margin % EBT Margin % (Qtr) 0.00 154.66
Gross Margin % Gross Margin % (Qtr) 0.00 97.82
Net Profit Margin % Net Margin % (Qtr) 0.00 115.63