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ZYBERNO

Stock Report

Updated Sep 2, 2026

Selectis Health, Inc. (GBCS)

Financial Services • OTC

$5.71

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

25.0/100

POOR BUSINESS

Selectis Health, Inc. (GBCS) scores 25/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full GBCS quality analysis & detailed breakdown

VALUATION SIGNAL

N/A (Requires more data)

Requires fair value calculation and current price data

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full GBCS valuation analysis · → View full GBCS Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):NEUTRAL (2,387.0%)

Debt-to-Equity (Solvency Risk):CRITICAL (87.44x)

Operating Margin (Operational Efficiency):CRITICAL (-6.3%)

Return on Capital (Capital Efficiency):CRITICAL (-14.0%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

Selectis Health, Inc. (GBCS) stock report — Zyberno Score 25/100 (POOR BUSINESS). Full financial analysis on Zyberno.

Over the trailing twelve months, GBCS generated -$2.00M in Owner Earnings. Capital was deployed as follows: $601.57K invested in capital expenditures. Reinvestment rate: 45.5%.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:5.71

Market Cap:$17.51M

Valuation Multiples (4)

P/E Ratio:

3.21x

📊 Click to view full GBCS P/E analysis →

P/B Ratio:67.79x

P/S Ratio:0.46x

Peg Ratio:-999.00x

Enterprise Metrics (1)

Enterprise Value:$33.43M

Price Action & Momentum (3)

12-1 Momentum:

+124.0% (95th pctile)

📈 Click to view full GBCS Momentum analysis →

Momentum Percentile:95 / 100

% of 52-Week High:100.2%

B. Profitability Assessment

Return Metrics (5)

ROE:

2,387.0%

📊 Click to view full GBCS ROE analysis →

ROA:19.0%

Roic:

-14.0%

📊 Click to view full GBCS ROIC analysis →

Reinvestment Rate:45.5%

Fundamental Growth Rate (g):-6.4%

Margin Analysis (3)

Operating Margin Ttm:-6.3%

Net Margin Ttm:16.1%

Ebitda Margin:-2.5%

TTM Performance (2)

Operating Margin Ttm:-6.3%

Net Margin Ttm:16.1%

Yield Metrics (2)

Earnings Yield:$32.84

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

+2.86

📊 Click to view full GBCS Earnings Surprise analysis →

EPS Surprise vs Expected:1,100.0%

Latest Earnings Filed:2026-05-22

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):-1.4%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):13.3%

Cash Flow Growth (Linear) (2)

Free Cash Flow Growth Rate (Linear):-3.5%

Operating Cash Flow Growth Rate (Linear):-4.2%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.60x

Quick Ratio:0.60x

Cash Ratio:0.08x

Leverage Analysis (3)

Debt To Equity Ttm:87.44x

Debt-to-Equity Ratio:87.44x

Debt To Ebitda:-999.00x

Coverage Ratios (2)

Interest Coverage Ratio:-0.74x

Times Interest Earned:-0.74

Capital Structure (4)

Working Capital:-6,495,230.00

Cash And Cash Equivalents:1,286,452.00

Long Term Debt:$13.33M

Net Debt:$15.92M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $38.24M

Linear Growth: -1.4%

📊 Click to view full GBCS Revenue analysis & methodology →

Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

$0.00-$2.41M

Bottom Line Performance (3)

Net income TTM: $6.17M

Linear Growth: 13.3%

📊 Click to view full GBCS Net Income analysis & methodology →

Income Before Tax:$5.26M

Ebitda Ttm:-960,810.00

Operating Expenses (5)

Operating Expenses:40,648,111.00

R And D Expense:0.00

Sga Expense:8,653,642.00

Income Tax Expense:$409.74K

Interest Expense:2,107,356.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:118.7%

Ebitda Margin:-2.5%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$30.01M

Current Assets:$9.82M

Ppe Net:18,307,651.00

Goodwill:379,479.00

Intangible Assets:$0.00

Liability Structure (4)

Total Liabilities:29,753,846.00

Current Liabilities:16,318,161.00

Long Term Debt:$13.33M

Short Term Debt:$3.88M

Equity & Capital (3)

Equity:$258.34K

Retained Earnings:-$14.73M

Common Stock:1,000,000,000.00

Working Capital Items (3)

Accounts Receivable:2,489,809.00

Inventory:0.00

Accounts Payable:7,160,441.00

Special Items (2)

Contract Liabilities:0.00

Stock Based Compensation:0.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: -$1.44M

Linear Growth: -4.2%

Free cash flow TTM: -$2.04M

Linear Growth: -3.5%

📊 Click to view full GBCS Free Cash Flow analysis & methodology →

Investment Activities (2)

Investing Cash Flow:$5.02M

Capital Expenditures Ttm:601,572.00

Financing Activities (3)

Financing Cash Flow:-$3.11M

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:1,444,608.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):2.01

Eps diluted TTM: $1.78

Linear Growth: 10.3%

📊 Click to view full GBCS EPS analysis & methodology →

Earnings Per Share Ttm:$2.01

Revenue & Cash Per Share (2)

Sales Per Share Ttm:12.47

Operating Cash Flow Per Share:$0.61

Book Value & Capital (2)

Book Value Per Share:$0.08

Cash Per Share:0.42

Dividend Policy (1)

Dividend Payout Ratio:0.49x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:1.18x

Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:15.36x

Days Sales Outstanding Ttm:23.76

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:68.34

Cash Conversion Cycle:-1,043.58

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:0.00

Quality Score:25.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (1)

-$2.00M

Damodaran Growth Analysis (2)

Reinvestment Rate:45.5%

Fundamental Growth Rate (g):-6.4%

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (2)

Revenue Growth Rate (Linear):-1.4%

Net Income Growth Rate (Linear):13.3%

Cash Flow Growth Rates (2)

Free Cash Flow Growth Rate (Linear):-3.5%

Operating Cash Flow Growth Rate (Linear):-4.2%

Other Growth Rates (1)

Book Value Growth Rate (Linear):-23.4%

C. Company Profile & Context

Corporate Information (6)

Symbol:GBCS

Company Name:Selectis Health, Inc.

Sector:Financial Services

Industry:Real Estate

Exchange:OTC

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:low

Volume Category:N/A

Share Structure (3)

Shares Outstanding:3.07M

Shares Outstanding Basic:3.07M

Shares Outstanding Diluted:3.44M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-09-02 05:14:52 UTC

Data Timestamp:2026-08-24T14:41:49.745065