NasdaqGS:GBNK

Stock Analysis Report

Executive Summary

Guaranty Bancorp operates as the bank holding company for Guaranty Bank and Trust Company that provides various banking and other financial services to consumers, and small to medium-sized businesses.

Snowflake

Fundamentals

Flawless balance sheet with proven track record.


Similar Companies

Share Price & News

How has Guaranty Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

3.5%

GBNK

3.7%

US Banks

1.8%

US Market


1 Year Return

-23.3%

GBNK

1.9%

US Banks

7.3%

US Market


Shareholder returns

GBNKIndustryMarket
7 Day3.5%3.7%1.8%
30 Day-17.2%0.2%-0.7%
90 Day-27.9%2.5%0.06%
1 Year-21.6%-23.3%4.9%1.9%9.7%7.3%
3 Year37.2%28.2%51.7%41.2%46.3%36.9%
5 Year67.6%50.6%69.7%51.2%64.5%46.5%

Price Volatility Vs. Market

How volatile is Guaranty Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Guaranty Bancorp undervalued compared to its fair value and its price relative to the market?

1.3%

Undervalued compared to fair value


Share Price vs. Fair Value

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Price To Earnings Ratio

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Price to Earnings Growth Ratio

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Price to Book Ratio

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Next Steps

Future Growth

How is Guaranty Bancorp forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?

10.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

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High Growth Earnings: GBNK's earnings are forecast to grow, but not significantly.

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Earnings per Share Growth Forecasts


Future Return on Equity

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Next Steps

Past Performance

How has Guaranty Bancorp performed over the past 5 years?

27.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

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Return on Equity

Information is not available.


Return on Assets

Information is not available.


Return on Capital Employed

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Next Steps

Financial Health

How is Guaranty Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

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Financial Institutions Analysis

Asset Level: GBNK's level of assets compared to its equity is low.

Allowance for Bad Loans: GBNK has a sufficient allowance for bad loans.

Low Risk Liabilities: GBNK's liabilities are made up of primarily low risk sources of funding.

Loan Level: GBNK has an acceptable proportion of non-loan assets held.

Low Risk Deposits: GBNK's loans are broadly funded by customer deposits.

Level of Bad Loans: GBNK has an appropriate level of bad loans (0.17%)


Next Steps

Dividend

What is Guaranty Bancorp's current dividend yield, its reliability and sustainability?

3.07%

Current Dividend Yield


Dividend Yield vs Market

company3.1%marketbottom25%1.5%markettop25%3.7%industryaverage3.0%forecastin3Years3.2%

Current dividend yield vs market & industry


Stability and Growth of Payments

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Stable Dividend: Whilst dividend payments have been stable, GBNK has been paying a dividend for less than 10 years.

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Current Payout to Shareholders

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Future Payout to Shareholders

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Next Steps

Management

What is the CEO of Guaranty Bancorp's salary, the management and board of directors tenure and is there insider trading?

7.4yrs

Average management tenure


CEO

Paul Taylor (57yo)

7.6yrs

Tenure

US$1,502,150

Compensation

Mr. Paul W. Taylor has been the Chief Executive Officer and President of Guaranty Bancorp since May 3, 2011. Mr. Taylor has been the Chief Executive Officer of Guaranty Bank And Trust Co. Inc. (Guaranty Ba ...


CEO Compensation Analysis

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Management Age and Tenure

7.4yrs

Average Tenure

56yo

Average Age

Information is not available.


Board Age and Tenure

7.5yrs

Average Tenure

68yo

Average Age

Information is not available.


Insider Trading

Information is not available.


Recent Insider Transactions

SellUS$3,60706 Dec 18
Patriot Financial Partners, L.P.
EntityCompany
Shares139
Max PriceUS$25.96

Ownership Breakdown


Management Team

  • Michael Hobbs (55yo)

    President & Director of Guaranty Bank and Trust Company

    • Tenure: 7.4yrs
    • Compensation: US$847.92k
  • Paul Taylor (57yo)

    President

    • Tenure: 7.6yrs
    • Compensation: US$1.50m
  • Christopher Treece (49yo)

    Executive VP

    • Tenure: 7.4yrs
    • Compensation: US$704.92k
  • Darcy Myers

    Regional President of Guaranty Bank Metro Denver locations

    • Tenure: 12.3yrs
  • Cathy Goss (61yo)

    Executive VP & Chief Credit Officer

    • Tenure: 7.1yrs
    • Compensation: US$682.67k
  • Michael DiPetro

    Executive Vice President of Retail Banking Manager

    • Tenure: 0yrs
  • Michael Noesen (52yo)

    Executive Vice President of Business & Healthcare Banking - Guaranty Bank and Trust Company

    • Tenure: 0yrs
    • Compensation: US$368.68k
  • Christopher Erickson

    Executive Vice President of Real Estate Banking

    • Tenure: 0yrs
  • Anthony Pizzichini (66yo)

    Executive VP & Regional President of Guaranty Bank and Trust Company

    • Tenure: 1.9yrs
    • Compensation: US$462.11k

Board Members

  • Walter Wycoff (60yo)

    Director

    • Tenure: 9.9yrs
    • Compensation: US$109.97k
  • Gail Klapper (75yo)

    Director

    • Tenure: 11.2yrs
    • Compensation: US$82.50k
  • John Eggemeyer (72yo)

    Director

    • Tenure: 14.9yrs
    • Compensation: US$82.50k
  • Steve McConahey (75yo)

    Director

    • Tenure: 6.8yrs
    • Compensation: US$82.50k
  • Stephen Joyce (69yo)

    Director

    • Tenure: 13.2yrs
    • Compensation: US$82.50k
  • Suzanne Brennan (67yo)

    Director

    • Tenure: 1.9yrs
    • Compensation: US$85.00k
  • Michael Hobbs (55yo)

    President & Director of Guaranty Bank and Trust Company

    • Tenure: 7.4yrs
    • Compensation: US$847.92k
  • Ed Cordes (66yo)

    Chairman of the Board

    • Tenure: 7.6yrs
    • Compensation: US$125.00k
  • Paul Taylor (57yo)

    President

    • Tenure: 7.6yrs
    • Compensation: US$1.50m
  • Keith Finger (70yo)

    Director

    • Tenure: 6.8yrs
    • Compensation: US$92.50k

Company Information

Guaranty Bancorp's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Guaranty Bancorp
  • Ticker: GBNK
  • Exchange: NasdaqGS
  • Founded: 2004
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$612.115m
  • Shares outstanding: 28.87m
  • Website: https://www.gbnk.com

Number of Employees


Location

  • Guaranty Bancorp
  • 1331 Seventeenth Street
  • Suite 200
  • Denver
  • Colorado
  • 80202
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
GBNKNasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDOct 2005
CBHQ.LOTCPK (Pink Sheets LLC)YesCommon StockUSUSDOct 2005

Biography

Guaranty Bancorp operates as the bank holding company for Guaranty Bank and Trust Company that provides various banking and other financial services to consumers, and small to medium-sized businesses. The  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2018/12/30 00:15
End of Day Share Price2018/12/28 00:00
Earnings2018/09/30
Annual Earnings2017/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.