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
Price History & Performance
|Historical stock prices|
|Current Share Price||US$32.18|
|52 Week High||US$33.69|
|52 Week Low||US$16.00|
|1 Month Change||33.81%|
|3 Month Change||32.98%|
|1 Year Change||96.36%|
|3 Year Change||49.67%|
|5 Year Change||75.27%|
|Change since IPO||149.94%|
Recent News & Updates
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...
|GFED||US Mortgage||US Market|
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.
|GFED Average Weekly Movement||10.5%|
|Mortgage Industry Average Movement||3.7%|
|Market Average Movement||6.1%|
|10% most volatile stocks in US Market||14.9%|
|10% least volatile stocks in US Market||2.4%|
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
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
|GFED fundamental statistics|
Is GFED overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|GFED income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||2.07|
|Net Profit Margin||20.36%|
How did GFED perform over the long term?See historical performance and comparison
1.9%Current Dividend Yield
Is Guaranty Federal Bancshares undervalued compared to its fair value and its price relative to the market?
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).
How is Guaranty Federal Bancshares forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
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%).
How has Guaranty Federal Bancshares performed over the past 5 years?
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.
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
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%).
What is Guaranty Federal Bancshares's current dividend yield, its reliability and sustainability?
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).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Shaun Burke (57 yo)
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.
Experienced Management: GFED's management team is seasoned and experienced (14.8 years average tenure).
Experienced Board: GFED's board of directors are seasoned and experienced ( 13.6 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Guaranty Federal Bancshares, Inc.'s employee growth, exchange listings and data sources
- 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
- Guaranty Federal Bancshares, Inc.
- 2144 E Republic Road
- Suite F200
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/12/02 23:34|
|End of Day Share Price||2021/12/02 00:00|
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.