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GFED

Guaranty Federal BancsharesNasdaqGM:GFED Stock Report

Market Cap

US$136.4m

7D

-3.0%

1Y

96.4%

Updated

02 Dec, 2021

Data

Company Financials +
GFED fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance3/6
Financial Health6/6
Dividends3/6

GFED Stock Overview

Guaranty Federal Bancshares, Inc. operates as the bank holding company for Guaranty Bank that provides a range of banking and mortgage services to individual and corporate customers in southwest Missouri.

Guaranty Federal Bancshares Competitors

IF Bancorp

NasdaqCM:IROQ

US$70.7m

Reliant Bancorp

NasdaqCM:RBNC

US$550.9m

MVB Financial

NasdaqCM:MVBF

US$498.2m

Farmers & Merchants Bancorp

NasdaqCM:FMAO

US$376.6m

Price History & Performance

Summary of all time highs, changes and price drops for Guaranty Federal Bancshares
Historical stock prices
Current Share PriceUS$32.18
52 Week HighUS$33.69
52 Week LowUS$16.00
Beta0.68
1 Month Change33.81%
3 Month Change32.98%
1 Year Change96.36%
3 Year Change49.67%
5 Year Change75.27%
Change since IPO149.94%

Recent News & Updates

Oct 04
Guaranty Federal Bancshares (NASDAQ:GFED) Is Due To Pay A Dividend Of US$0.15

Guaranty Federal Bancshares (NASDAQ:GFED) Is Due To Pay A Dividend Of US$0.15

Guaranty Federal Bancshares, Inc. ( NASDAQ:GFED ) will pay a dividend of US$0.15 on the 22nd of October. The dividend...

Shareholder Returns

GFEDUS MortgageUS Market
7D-3.0%-1.8%-3.5%
1Y96.4%0.3%19.4%

Return vs Industry: GFED exceeded the US Mortgage industry which returned -2.9% over the past year.

Return vs Market: GFED exceeded the US Market which returned 17.8% over the past year.

Price Volatility

Is GFED's price volatile compared to industry and market?
GFED volatility
GFED Average Weekly Movement10.5%
Mortgage Industry Average Movement3.7%
Market Average Movement6.1%
10% most volatile stocks in US Market14.9%
10% least volatile stocks in US Market2.4%

Stable Share Price: GFED is more volatile than 75% of US stocks over the past 3 months, typically moving +/- 11% a week.

Volatility Over Time: GFED's weekly volatility (11%) has been stable over the past year, but is still higher than 75% of US stocks.

About the Company

FoundedEmployeesCEOWebsite
1913226Shaun Burkehttps://www.gbankmo.com

Guaranty Federal Bancshares, Inc. operates as the bank holding company for Guaranty Bank that provides a range of banking and mortgage services to individual and corporate customers in southwest Missouri. The company’s deposit products include checking accounts, money market accounts, savings accounts, fixed-term certificates of deposit, and individual retirement accounts, as well as demand deposits and NOW accounts. Its loan portfolio comprises commercial real estate loans, one-to four-family mortgage loans, multi-family residential mortgage loans, and construction loans, as well as agriculture, small business administration, and business loans; and consumer and other loans, such as loans secured by certificates of deposit, automobiles, recreational vehicles, boat loans, and home equity loans.

Guaranty Federal Bancshares Fundamentals Summary

How do Guaranty Federal Bancshares's earnings and revenue compare to its market cap?
GFED fundamental statistics
Market CapUS$136.42m
Earnings (TTM)US$9.08m
Revenue (TTM)US$44.59m

15.5x

P/E Ratio

1.5x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
GFED income statement (TTM)
RevenueUS$44.59m
Cost of RevenueUS$0
Gross ProfitUS$44.59m
ExpensesUS$35.51m
EarningsUS$9.08m

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)2.07
Gross Margin100.00%
Net Profit Margin20.36%
Debt/Equity Ratio48.9%

How did GFED perform over the long term?

See historical performance and comparison

Dividends

1.9%

Current Dividend Yield

29%

Payout Ratio

Valuation

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

9.1%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: GFED ($32.18) is trading below our estimate of fair value ($35.41)

Significantly Below Fair Value: GFED is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: GFED is poor value based on its PE Ratio (15.5x) compared to the US Mortgage industry average (12.2x).

PE vs Market: GFED is good value based on its PE Ratio (15.5x) compared to the US market (16.6x).


Price to Earnings Growth Ratio

PEG Ratio: GFED's earnings are forecast to decline next year, so we can't calculate its PEG ratio.


Price to Book Ratio

PB vs Industry: GFED is overvalued based on its PB Ratio (1.5x) compared to the US Mortgage industry average (1x).


Future Growth

How is Guaranty Federal Bancshares forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

-9.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: GFED's earnings are forecast to decline over the next 3 years (-9.4% per year).

Earnings vs Market: GFED's earnings are forecast to decline over the next 3 years (-9.4% per year).

High Growth Earnings: GFED's earnings are forecast to decline over the next 3 years.

Revenue vs Market: GFED's revenue (1.2% per year) is forecast to grow slower than the US market (10.1% per year).

High Growth Revenue: GFED's revenue (1.2% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: GFED's Return on Equity is forecast to be low in 3 years time (8.1%).


Past Performance

How has Guaranty Federal Bancshares performed over the past 5 years?

10.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: GFED has high quality earnings.

Growing Profit Margin: GFED's current net profit margins (20.4%) are lower than last year (21.3%).


Past Earnings Growth Analysis

Earnings Trend: GFED's earnings have grown by 10.6% per year over the past 5 years.

Accelerating Growth: GFED's earnings growth over the past year (10.7%) exceeds its 5-year average (10.6% per year).

Earnings vs Industry: GFED earnings growth over the past year (10.7%) underperformed the Mortgage industry 32.1%.


Return on Equity

High ROE: GFED's Return on Equity (9.5%) is considered low.


Financial Health

How is Guaranty Federal Bancshares'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


Financial Institutions Analysis

Asset Level: GFED's Assets to Equity ratio (12.2x) is moderate.

Allowance for Bad Loans: GFED has a sufficient allowance for bad loans (104%).

Low Risk Liabilities: 94% of GFED's liabilities are made up of primarily low risk sources of funding.

Loan Level: GFED has an appropriate level of Loans to Assets ratio (67%).

Low Risk Deposits: GFED's Loans to Deposits ratio (77%) is appropriate.

Level of Bad Loans: GFED has an appropriate level of bad loans (1.3%).


Dividend

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

1.86%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: GFED's dividend (1.86%) is higher than the bottom 25% of dividend payers in the US market (1.37%).

High Dividend: GFED's dividend (1.86%) is low compared to the top 25% of dividend payers in the US market (3.69%).


Stability and Growth of Payments

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

Growing Dividend: GFED's dividend payments have increased, but the company has only paid a dividend for 7 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (28.7%), GFED's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: GFED's dividends in 3 years are forecast to be well covered by earnings (32% payout ratio).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

14.8yrs

Average management tenure


CEO

Shaun Burke (57 yo)

16.83yrs

Tenure

US$485,541

Compensation

Mr. Shaun A. Burke joined Guaranty Bank (the “Bank”) in March 09, 2004 as President and Chief Executive Officer. He is President and Chief Executive Officer of Guaranty Federal Bancshares, Inc. since Febru...


CEO Compensation Analysis

Compensation vs Market: Shaun's total compensation ($USD485.54K) is about average for companies of similar size in the US market ($USD563.50K).

Compensation vs Earnings: Shaun's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: GFED's management team is seasoned and experienced (14.8 years average tenure).


Board Members

Experienced Board: GFED's board of directors are seasoned and experienced ( 13.6 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Guaranty Federal Bancshares, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Guaranty Federal Bancshares, Inc.
  • Ticker: GFED
  • Exchange: NasdaqGM
  • Founded: 1913
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$136.421m
  • Shares outstanding: 4.38m
  • Website: https://www.gbankmo.com

Number of Employees


Location

  • Guaranty Federal Bancshares, Inc.
  • 2144 E Republic Road
  • Suite F200
  • Springfield
  • Missouri
  • 65804
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/12/02 23:34
End of Day Share Price2021/12/02 00:00
Earnings2021/09/30
Annual Earnings2020/12/31


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.