stockrowGBank Financial Holdings Inc.
GBFH Financial Banks Regional
GBank Financial Holdings Inc.’s revenue for fiscal 2025 (year ended December 2025) was $109.6 million, up 19.9% from fiscal 2024.
- Revenue
- +22.9%
- EPS
- +15.2%
- Free cash flow
- +3,151.2%
- Total debt
- +16.1%
Quarter to June 2026, against a year earlier
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GBank Financial Holdings Inc. (GBFH) Piotroski F-score
GBank Financial Holdings Inc.'s Piotroski F-score for fiscal 2025 is 5 out of 9: 5 of nine tests of profitability, leverage and efficiency passed.
Piotroski F-score, annual
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Annual newest first
| Period | Piotroski F-score | Change (points) |
|---|---|---|
| FY2025 | 5 | — |
How fiscal 2025’s score is made up
| Test | This year | Year before | Result | Points |
|---|---|---|---|---|
| Positive return on assets | 1.69% | 1.83% | Pass | 1 |
| Positive operating cash flow | 9.64m | 26.48m | Pass | 1 |
| Rising return on assets | 1.69% | 1.83% | Fail | 0 |
| Cash flow above net income | (11.29m) | 7.85m | Fail | 0 |
| Falling long-term leverage | 0.02 | 0.03 | Pass | 1 |
| Rising current ratio | 1.04 | 1.03 | Pass | 1 |
| No new shares issued | 14,292,600 | 13,197,100 | Fail | 0 |
| Rising gross margin | 69.35% | 68.24% | Pass | 1 |
| Rising asset turnover | 0.09 | 0.09 | Fail | 0 |
| Piotroski F-score | Mixed | 5 | ||
How the Piotroski F-score works
One point for each of nine tests, this fiscal year against the one before: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, a rising current ratio, no new shares issued, a rising gross margin and rising asset turnover. The ratios are the ones on this site, so each can be checked.
Joseph Piotroski (2000) called 8–9 high and 0–1 low; reading it in three bands is the common convention:
| 7–9 | Strong — most fundamentals improved |
|---|---|
| 4–6 | Mixed |
| 0–3 | Weak — most fundamentals deteriorated |
Where this differs from the paper: return on assets is on average rather than beginning-of-year assets, and weighted basic shares stand in for shares issued. The score is shown only when all nine tests can be worked out, which takes three fiscal years; banks and insurers, which report no current assets or gross profit, have none.
Piotroski F-score against peers
| Company | Piotroski F-score |
|---|---|
| FCAP First Capital, Inc. compare | 9 |
| CZWI Citizens Community Bancorp, Inc. compare | 8 |
| OPBK OP Bancorp compare | 8 |
| CBFV CB Financial Services, Inc. compare | 7 |
| OVBC Ohio Valley Banc Corp. compare | 7 |
| MRBK Meridian Bank compare | 7 |
| RBKB Rhinebeck Bancorp, Inc. compare | 7 |
| GBFH GBank Financial Holdings Inc. | 5 |
| INBK First Internet Bancorp compare | 3 |
What Piotroski F-score is
The Piotroski F-Score tells an investor how many signs of improving profitability, funding and efficiency a company shows against a year earlier.
One point for each of nine tests against a year earlier: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, rising current ratio, no new shares issued, rising gross margin, and rising asset turnover