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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 earnings of $7.4 million ($0.52 per diluted share), with adjusted net income of $7.6 million after excluding unusual items, and record net revenue despite $247,000 in net one-time expenses.
Full-year 2025 net income was $20.9 million ($1.44 per share), with adjusted net income of $24.1 million ($1.66 per share), reflecting strong year-over-year growth.
Compound average growth rate of 28.3% over the last eight years, with continued top-tier earnings and strong balance sheet liquidity and capital.
Significant progress in digital banking and payments, especially with the launch of BoltBetz PPA, expected to drive non-interest-bearing deposit growth.
SBA originations reached a record $576.0 million for the year, and credit card transaction volume grew to $420.5 million.
Financial highlights
Q4 2025 net revenue was $20.7 million, up 2.7% sequentially and 18.0% year-over-year.
Net interest margin for 2025 was 4.33%, above the industry average of 3.7%, with Q4 2025 at 4.21%.
Non-interest income rose by $7 million year-over-year, driven by credit card interchange activity, 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%.
Total assets grew 4.5% sequentially and 21.1% year-over-year to $1.36 billion.
Outlook and guidance
Credit card platform expected to double annual originations to $800 million, with monthly volumes of $50–60 million as marketing resumes and fraud controls stabilize.
Management anticipates continued growth in 2026, driven by Gaming and Fintech investments and enhancements to the core banking platform.
SBA loan production anticipated to continue strong growth, supported by improved incentive structures and a robust broker network.
Expectation of a 4% average pretax gain on sale of loan margin going forward.
Net interest margin expected to remain stable even with anticipated Fed rate cuts, as growth in non-interest-bearing deposits offsets rate decreases.
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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