GBank Financial Holdings Inc. (GBFH)

GBank Financial Holdings Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022
Net Income	20.93	18.64	10.92	10.87
Depreciation & Amortization	6.75	5.92	7.21	5.88
Provision for Credit Losses	3.85	2.24	1.09	1.35
Stock-Based Compensation	2.06	1.93	0.75	0.23
Net Change in Loans Held-for-Sale	6.67	10.95	-49.6	9.08
Other Adjustments	-14.79	-13.91	-6.36	-15.37
Changes in Accrued Interest and Accounts Receivable	-0.66	-1.6	-1.92	-1.77
Changes in Accounts Payable	3.09	2.91	5.19	0.41
Changes in Other Operating Activities	-18.26	-0.61	-4.86	-0.9
Operating Cash Flow	9.64	26.48	-37.59	9.77
Operating Cash Flow Growth	-63.60%	-	-	-
Net Change in Loans Held-for-Investment	-166.33	-170.74	-227.22	-51.16
Net Change in Securities and Investments	38.03	-6.77	7.69	-103.93
Capital Expenditures	-0.5	-0.19	-0.33	-0.32
Other Investing Activities	-15.86	-1.43	-1.33	-0.33
Investing Cash Flow	-144.66	-179.13	-221.19	-155.73
Net Change in Deposits	207.62	189.38	190.27	45.87
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	0.37	-30	30	-
Issuance of Common Stock	0.77	19.46	0.01	0.13
Net Common Stock Issued (Repurchased)	0.77	19.46	0.01	0.13
Financing Cash Flow	208.76	178.84	220.27	46
Net Cash Flow	73.74	26.19	-38.5	-99.96
Free Cash Flow	9.14	26.29	-37.91	9.45
Free Cash Flow Growth	-65.22%	-	-	-
FCF Margin	12.67%	43.71%	-84.81%	23.36%
Free Cash Flow Per Share	0.63	1.96	-2.91	0.73
Levered Free Cash Flow	11.36	25.07	16.21	14.17
Unlevered Free Cash Flow	-9.57	6.44	5.29	3.3

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q