GBank Financial (GBFH) Q4 2025 Earnings Call Transcript

Motley Fool Transcribing, The Motley Fool

Thu, January 29, 2026 astatine 8:11 AM CST 54 min read

Image source: The Motley Fool.

Wednesday, Jan. 28, 2026, astatine 5 p.m. ET

• Chairman and CEO — Edward Nigro

• Chief Credit Officer — Jeffery Whicker

Edward Nigro: Well, welcome, everybody. I'm Edward Nigro, and it's a pleasance to person the 4th fourth and immoderate year-end numbers for you contiguous for GBank Financial Holdings Inc. I astir consciousness similar I person to bash immoderate disclosures like, I'm live. This is not prerecorded. I'm not a bot. And I'm susceptible of making each kinds of mistakes. However, I anticipation contiguous to debar each of that and springiness you immoderate insights into what has been going connected successful our satellite astatine GBank. Jeffery Whicker is going to travel maine with immoderate much specifics and details, but I'm going to instrumentality america done immoderate archetypal discussions, peculiarly successful our gaming fintech arena and immoderate of our halfway banking processes, peculiarly SBA.

But I privation to absorption contiguous precise overmuch connected what's been going connected successful gaming fintech. And my archetypal comments are going to beryllium focused astir the recognition paper due to the fact that it seems to beryllium drafting the astir attraction and it has had the astir fluctuation successful the past respective quarters. I wanted to springiness you immoderate penetration and things that we've already listed oregon discussed astatine immoderate length, but possibly not to the extent I privation to spell successful contiguous truthful we tin person a bully knowing of what we're doing and wherever we judge that we are headed. First, I had reported that we had stopped our exertion process. We had 2 large events going on.

We had an exertion automated merchandise that wasn't moving well. And that, actually, our users were getting mislaid successful the process. And applications were being dropped. And past we had different nonstop message portion monolithic exertion process going connected from a declaration that I've ever said successful the past should person not been entered into, but it was. And this was a nonstop message portion that went retired to 700,000 recipients. Well, betwixt the two, the f not enactment and each of a sudden, these monolithic applications coming in. superior gaming user. That were not designed oregon geared towards our We were underwater precise quickly. With our full app process. We unopen it down, actually.

And had to bash what I telephone a redesign, development, engineering, and execution. And that took america until astir the October successful the 4th quarter. And past we were capable to gradually unfastened up our exertion for existent applicants. Naturally, this stopped each of our marketing. So we had to, you know, accelerated up astir a 130,000,000 successful transactions for the 2nd quarter. And past the 3rd 4th and the 4th excuse me. The 3rd 4th But we stopped it due to the fact that we were we were accelerating quickly, but not with the controls we wanted successful place. The 4th quarter, you've conscionable seen settled successful astir 99,000,000 transactions, but that was to beryllium expected. It was to beryllium by america anyway.