For the year ending 2025-12-31, GBFH had $73,742K increase in cash & cash equivalents over the period. $9,143K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 20,929 |
| Provision for credit losses | 3,850 |
| Depreciation | 237 |
| Amortization and writeoff of loan servicing assets | 5,634 |
| Amortization of operating lease right of use assets | 875 |
| Amortization of subordinated debt issuance costs | 75 |
| Investment securities amortization and accretion, net | 791 |
| Net gain on sales of investment securities | 426 |
| Loss on writedown of other real estate owned | -72 |
| Stock compensation expense | 2,060 |
| Gain on sale of loans | 12,347 |
| Gross originations of loans held for sale | 370,413 |
| Proceeds from sale of loans held for sale | 377,078 |
| Income from bank owned life insurance | 768 |
| Net change in deferred income taxes | -134 |
| Increase in accrued interest receivable | 656 |
| Net change in other assets | 18,261 |
| Net change in operating lease liability | -736 |
| Increase in accrued interest payable and other liabilities | 3,093 |
| Net cash provided by operating activities | 9,639 |
| Purchases of premises and equipment | 496 |
| Purchase of bank owned life insurance | 15,000 |
| Proceeds from sales of securities available for sale | 13,762 |
| Purchase of securities available for sale | 32,909 |
| Maturities and repayments of investment securities available for sale | 16,367 |
| Proceeds from sales of securities held to maturity | 38,620 |
| Maturities and repayments of investment securities held to maturity | 2,194 |
| Purchase of fhlb stock | 861 |
| Purchased loans | 0 |
| Net change in loans | 166,334 |
| Net cash used in investing activities | -144,657 |
| Net increase in deposits | 207,615 |
| Increase (decrease) in short-term borrowings | 371 |
| Repayment of stock option loans and other | 548 |
| Net proceeds from issuance of common stock | 226 |
| Net cash provided by financing activities | 208,760 |
| Net (decrease) increase in cash and cash equivalents | 73,742 |
| Cash and cash equivalents beginning of period | 124,122 |
| Cash and cash equivalents end of period | 197,864 |
GBank Financial Holdings Inc. (GBFH)
GBank Financial Holdings Inc. (GBFH)