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Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
GBank Financial Holdings
GBank Financial Holdings (GBFH) investor relations material
GBank Financial Holdings Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Achieved record quarterly net income of $7.4 million ($0.52 per diluted share), with adjusted net income of $7.6 million after excluding unusual items, and full-year 2025 net income of $20.9 million ($1.44 per share), up from $18.6 million in 2024.
Credit card transaction volume reached $420.5 million for the year, up from $73 million last year, despite temporary halts due to fraud and system redesigns.
SBA loan production had a record year at $576.0 million, though Q4 originations dropped to $118 million due to the government shutdown, with a strong pipeline for 2026.
Gaming FinTech segment advanced with the launch of BoltBetz, securing key licenses and onboarding initial clients, targeting a large addressable market in slot machine cash management.
Financial highlights
Q4 2025 net revenue was $20.7 million, up 2.7% sequentially and 18.0% year-over-year, with net interest income of $13.5 million, up 3.5% from Q3 2025.
Net interest margin was 4.33% for 2025, above the industry average of 3.7%, but Q4 2025 margin was 4.21%, down from 4.35% in Q3.
Non-interest income rose by $7 million year-over-year, driven by credit card interchange fees, with Q4 2025 non-interest income at $7.3 million.
Non-interest expense decreased to $11.5 million from $12.3 million in Q3 2025, with an efficiency ratio of 55.3%.
Sold $52 million in investment securities, including all held-to-maturity investments, with minimal impact on AOCI.
Outlook and guidance
Credit card transaction volume is expected to double in 2026, targeting $800 million, contingent on continued fraud control and marketing relaunch.
SBA loan growth and gain on sale margins are projected to remain strong, supported by incentive realignment and lower interest rates, with a 4% average pretax gain on sale margin expected.
Net interest margin is expected to remain stable even with anticipated Fed rate cuts, as growth in non-interest-bearing deposits should offset rate decreases.
Targeted marketing for new credit card customers to launch in Q1 2026.
Non-interest expenses will rise in line with transaction volume and growth investments.
How to sustain 4% gain on loan sales margin
ODFI transition impact on Gaming/Fintech growth
Assess risk of non-guaranteed non-performing assets
Credit card volume growth post-system overhaul?
BoltBetz deposit ramp-up timeline and drivers?
SBA gain-on-sale sustainability and broker impact?
Partial view of Summaries dataset, powered by Quartr API
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Next GBank Financial Holdings earnings date
Q1 202629 Apr, 2026
GBank Financial Holdings
Next GBank Financial Holdings earnings date
Q1 202629 Apr, 2026
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