GBank Financial Holdings Inc. (GBFH)

GBank Financial Holdings Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2023
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022
Net Income	18.78	18.64	10.92	10.87
Depreciation & Amortization	6.46	5.92	7.21	5.88
Provision for Credit Losses	5.38	2.24	1.09	1.35
Stock-Based Compensation	2.6	1.93	0.75	0.23
Net Change in Loans Held-for-Sale	6.32	10.95	-49.6	9.08
Other Adjustments	-15.66	-13.91	-6.36	-15.37
Changes in Accrued Interest and Accounts Receivable	-0.21	-1.6	-1.92	-1.77
Changes in Accounts Payable	1.93	2.91	5.19	0.41
Changes in Other Operating Activities	-3.26	-0.61	-4.86	-0.9
Operating Cash Flow	22.55	26.48	-37.59	9.77
Net Change in Loans Held-for-Investment	-165.02	-170.74	-227.22	-51.16
Net Change in Securities and Investments	-37.81	-6.77	7.69	-103.93
Capital Expenditures	-0.22	-0.19	-0.33	-0.32
Other Investing Activities	-0.86	-1.43	-1.33	-0.33
Investing Cash Flow	-218.91	-179.13	-221.19	-155.73
Net Change in Deposits	208.66	189.38	190.27	45.87
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-6	-30	30	-
Issuance of Common Stock	20.42	19.46	0.01	0.13
Net Common Stock Issued (Repurchased)	20.42	19.46	0.01	0.13
Financing Cash Flow	228.79	178.84	220.27	46
Net Cash Flow	32.43	26.19	-38.5	-99.96
Free Cash Flow	22.33	26.29	-37.91	9.45
Free Cash Flow Growth	-15.04%	-	-	-
FCF Margin	33.66%	43.72%	-84.81%	23.36%
Free Cash Flow Per Share	1.54	1.96	-2.91	0.73
Levered Free Cash Flow	23.48	25.07	16.21	14.17
Unlevered Free Cash Flow	4.71	6.44	5.29	3.3

Updated Nov 12, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q