$17.46

-0.32 (-1.77%)

After Hours: $17.48 (+0.01, +0.06%)

Weekly Expected Move ±5.2%

$16 $16 $17 $18 $19

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 48 · $258.1M mcap · 9M float · 0.916% daily turnover · Short 65% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Income Trends

Revenue

$110M +82.3% ▲

5Y CAGR: +30.7%

Gross Profit

$72M +214.5% ▲

5Y CAGR: +23.5%

Operating Income

$27M +13.3% ▲

5Y CAGR: +23.8%

Net Income

$21M +12.3% ▲

5Y CAGR: +24.6%

EPS (Diluted)

$1.44 +3.6% ▲

5Y CAGR: +20.4%

EBITDA

$27M +8.5% ▲

5Y CAGR: +22.6%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$38M	$45M	$59M	$60M	$110M
YoY Growth	+34.2%	+17.5%	+30.3%	+2.0%	+82.3%
Cost of Revenue	$3M	$5M	$14M	$0	$37M
Gross Profit	$36M	$40M	$45M	$60M	$72M
Gross Margin	93.4%	89.5%	75.8%	100.0%	65.8%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$13M	$17M	$20M	$7M	$27M
Operating Expenses	$22M	$26M	$31M	$31M	$45M
Operating Income	$14M	$14M	$14M	$29M	$27M
Operating Margin	37.5%	31.0%	22.9%	48.2%	24.7%
Interest Expense	$1M	$3M	$13M	$0	$34M
Income Before Tax	$14M	$14M	$14M	$24M	$27M
Tax Expense	$3M	$3M	$3M	$5M	$6M
Net Income	$11M	$11M	$11M	$19M	$21M
Net Margin	28.5%	24.0%	18.5%	31.0%	19.1%
EPS (Diluted)	$0.85	$0.84	$0.84	$1.39	$1.44
EBITDA	$19M	$20M	$21M	$0	$27M
Shares Outstanding	13M	13M	13M	13M	14M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$24M	$16M	$24M	$26M	$28M	$30M	$29M	$19M
Cost of Revenue	$8M	$0	$8M	$9M	$11M	$9M	$12M	$13M
Gross Profit	$16M	$16M	$16M	$16M	$17M	$21M	$17M	$19M
Gross Margin	65.9%	100.0%	66.4%	63.8%	61.6%	69.7%	59.1%	100.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$5M	$4M	$7M	$7M	$8M	$7M	$8M	$1M
Operating Expenses	$9M	$10M	$11M	$10M	$12M	$11M	$15M	$12M
Operating Income	$7M	$6M	$6M	$6M	$6M	$9M	$1M	$7M
Operating Margin	27.7%	39.4%	23.4%	24.5%	19.8%	31.4%	5.1%	37.1%
Interest Expense	$7M	$0	$8M	$8M	$9M	$9M	$9M	$10M
Income Before Tax	$7M	$7M	$6M	$6M	$6M	$9M	$1M	$7M
Tax Expense	$2M	$1M	$1M	$1M	$1M	$2M	$139K	$2M
Net Income	$5M	$5M	$4M	$5M	$4M	$7M	$1M	$5M
Net Margin	21.3%	32.3%	18.3%	18.6%	15.3%	24.7%	4.6%	28.6%
EPS (Diluted)	$0.37	$0.38	$0.31	$0.33	$0.30	$0.51	$0.09	$0.38
EBITDA	$7M	$0	$7M	$8M	$7M	$9M	$3M	$7M
Shares Outstanding	14M	14M	15M	15M	15M	15M	15M	15M

GBFH NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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