GBank Financial (GBFH) Q4 2025 Earnings Call Transcript
View original at finance.yahoo.comGBank Financial (GBFH) Q4 2025 Earnings Call Transcript Image source: The Motley Fool. DATE Wednesday, Jan. 28, 2026, at 5 p.m. ET CALL PARTICIPANTS Chairman and CEO — Edward Nigro Chief Credit Officer — Jeffery Whicker Full Conference Call Transcript Edward Nigro: Well, welcome, everybody…
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Expected to maintain NIM at approximately 4.33% with non-interest bearing deposit growth offsetting Fed cuts
80% confidenceZero fraud penetration in last 60 days after implementing new fraud prevention systems
80% confidenceGoal to replace $400M paid deposits with no-cost deposits via PPA growth
80% confidenceApproximately $2.5M deposits projected per 100 slot machines at 50% market penetration in mature market
80% confidenceAssumes 2 Fed rate cuts in 2026
80% confidenceCredit cards represent approximately 30% of all US payments, approximately $6T annually
80% confidenceInterchange fees drove approximately $7M increase year-over-year in FY2025
80% confidenceCredit card could potentially at least double $400M FY2025 volume, targeting $60-65M monthly by year-end
80% confidence65 Parapasu loans originated in 2025 (SBA $5M + additional CRE portion, total approximately $8-10M each)
80% confidenceQ4 2025 record quarterly earnings of $7.4M ($0.52 per diluted share), increase of $3.1M vs. prior quarter
80% confidence16 other PPA clients onboarded for various applications including sports apps and state lotteries
80% confidenceQ4 2025 government shutdown prevented approvals and left estimated $2M+ gain on sales on the table
80% confidence28 legal sports betting apps nationwide; GBFH customers use 20 of them
80% confidenceNet interest margin of 4.33% in 2025 vs. industry average of approximately 3.7%
80% confidenceQ4 2025 SBA originations of $118M, down from $200M+ in Q3 due to government shutdown
80% confidence8-year compound average growth rate of 28.3%
80% confidenceApproximately 7 states prohibit credit card direct loads to sports betting apps
80% confidenceTotal SBA exposure of approximately $2.4B on and off balance sheet
80% confidenceJanuary 2026: 12 loans sold for approximately $32M, 8 of 12 at ≥1.25% spread to prime, gap gain ≥4%
80% confidenceIndividual lending power increased to 70% of legal limit: $32M to any one borrower
80% confidenceQ3 2025: 592 active hotel loans totaling $1.622B principal on and off balance sheet
80% confidenceNevada has 150,000 slot machines; US total exceeds 800,000 licensed slot machines
80% confidenceFrom June 2015 to Q3 2025: originated $2.473B SBA loans (1,002 loans), total defaults of 12 loans, total charge-offs of $2.8M
80% confidenceCredit card transaction volume grew approximately 500% from $73M prior year to $400M in FY 2025
80% confidenceGain on sale increased from 3.24% to 3.98% in Q4 2025
80% confidence
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