GBank Financial

Q2 FY2026 EarningsFY26 Q2 results showed a significant miss on the bottom line despite a slight top-line beat. GAAP EPS of $0.38 missed the $0.48 consensus by 20.83%, while net income of $5.46M fell 22.55% short of expectations. Revenue of $21.95M was a marginal beat (+0.69%), driven by record loan sales and strong secondary market pricing. However, the performance was weighed down by a sharp increase in the provision for credit losses ($2.8M) and a 53bps YoY compression in Net Interest Margin (NIM) to 3.78%, missing the 3.93% consensus.