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Guaranty Federal Bancshares

Nasdaq:GFED
Snowflake Description

Excellent balance sheet with acceptable track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
GFED
Nasdaq
$103M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

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 last earnings update was 37 days ago. More info.


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GFED Share Price and Events
7 Day Returns
1.7%
NasdaqGM:GFED
-0.2%
US Mortgage
0.5%
US Market
1 Year Returns
-3.2%
NasdaqGM:GFED
0.9%
US Mortgage
0.8%
US Market
GFED Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Guaranty Federal Bancshares (GFED) 1.7% -1.9% -4% -3.2% 44.1% 85.1%
US Mortgage -0.2% -0.5% 1.7% 0.9% 41.3% 42.6%
US Market 0.5% 0.2% 1.1% 0.8% 37.4% 37.5%
1 Year Return vs Industry and Market
  • GFED underperformed the Mortgage industry which returned 0.9% over the past year.
  • GFED underperformed the Market in United States of America which returned 0.8% over the past year.
Price Volatility
GFED
Industry
5yr Volatility vs Market

GFED Value

 Is Guaranty Federal Bancshares undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Guaranty Federal Bancshares to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Guaranty Federal Bancshares.

NasdaqGM:GFED Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $16.88 * 7.5%
$1.27
Book Value of Equity per Share Median Book Value from the past 5 years. $16.88
Discount Rate (Cost of Equity) See below 10.7%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGM:GFED
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Mortgage Unlevered Beta Simply Wall St/ S&P Global 0.9
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.899 (1 + (1- 21%) (85.7%))
1.34
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.34
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.34 * 5.96%)
10.72%

Discounted Cash Flow Calculation for NasdaqGM:GFED using Excess Returns Model Model

The calculations below outline how an intrinsic value for Guaranty Federal Bancshares is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqGM:GFED Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (7.5% – 10.72%) * $16.88)
$-0.54
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $-0.54 / (10.72% - 2.73%)
$-6.81
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $16.88 + $-6.81
$10.07
NasdaqGM:GFED Discount to Share Price
Calculation Result
Value per share (USD) From above. $10.07
Current discount Discount to share price of $23.05
= -1 x ($23.05 - $10.07) / $10.07
-128.9%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Guaranty Federal Bancshares is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Guaranty Federal Bancshares's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Guaranty Federal Bancshares's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGM:GFED PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $1.83
NasdaqGM:GFED Share Price ** NasdaqGM (2019-06-14) in USD $23.05
United States of America Mortgage Industry PE Ratio Median Figure of 130 Publicly-Listed Mortgage Companies 14.19x
United States of America Market PE Ratio Median Figure of 3,091 Publicly-Listed Companies 17.68x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Guaranty Federal Bancshares.

NasdaqGM:GFED PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGM:GFED Share Price ÷ EPS (both in USD)

= 23.05 ÷ 1.83

12.59x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Guaranty Federal Bancshares is good value based on earnings compared to the US Mortgage industry average.
  • Guaranty Federal Bancshares is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Guaranty Federal Bancshares's expected growth come at a high price?
Raw Data
NasdaqGM:GFED PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 12.59x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts
11.8%per year
United States of America Mortgage Industry PEG Ratio Median Figure of 49 Publicly-Listed Mortgage Companies 1.3x
United States of America Market PEG Ratio Median Figure of 2,125 Publicly-Listed Companies 1.52x

*Line of best fit is calculated by linear regression .

NasdaqGM:GFED PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 12.59x ÷ 11.8%

1.06x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Guaranty Federal Bancshares is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Guaranty Federal Bancshares's assets?
Raw Data
NasdaqGM:GFED PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $18.43
NasdaqGM:GFED Share Price * NasdaqGM (2019-06-14) in USD $23.05
United States of America Mortgage Industry PB Ratio Median Figure of 145 Publicly-Listed Mortgage Companies 1.13x
United States of America Market PB Ratio Median Figure of 5,244 Publicly-Listed Companies 1.79x
NasdaqGM:GFED PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGM:GFED Share Price ÷ Book Value per Share (both in USD)

= 23.05 ÷ 18.43

1.25x

* Primary Listing of Guaranty Federal Bancshares.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Guaranty Federal Bancshares is overvalued based on assets compared to the US Mortgage industry average.
X
Value checks
We assess Guaranty Federal Bancshares's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. Guaranty Federal Bancshares has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

GFED Future Performance

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

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
11.8%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Guaranty Federal Bancshares expected to grow at an attractive rate?
  • Guaranty Federal Bancshares's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Guaranty Federal Bancshares's earnings growth is positive but not above the United States of America market average.
  • Guaranty Federal Bancshares's revenue growth is positive but not above the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGM:GFED Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGM:GFED Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts 11.8%
NasdaqGM:GFED Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 1 Analysts 1.9%
United States of America Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 10.8%
United States of America Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 5.8%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.9%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGM:GFED Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGM:GFED Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31 42 10 1
2019-12-31 40 10 1
NasdaqGM:GFED Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 41 9 8
2018-12-31 39 12 7
2018-09-30 36 13 5
2018-06-30 31 10 3
2018-03-31 28 11 5
2017-12-31 27 10 5
2017-09-30 27 8 6
2017-06-30 26 9 6
2017-03-31 25 8 6
2016-12-31 25 8 6
2016-09-30 24 7 6
2016-06-30 24 9 5

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Guaranty Federal Bancshares's earnings are expected to grow by 11.8% yearly, however this is not considered high growth (20% yearly).
  • Guaranty Federal Bancshares's revenue is expected to grow by 1.9% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGM:GFED Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below

All data from Guaranty Federal Bancshares Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:GFED Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31 2.25 2.25 2.25 1.00
2019-12-31 2.16 2.16 2.16 1.00
NasdaqGM:GFED Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 1.83
2018-12-31 1.66
2018-09-30 1.22
2018-06-30 0.72
2018-03-31 1.16
2017-12-31 1.18
2017-09-30 1.43
2017-06-30 1.39
2017-03-31 1.32
2016-12-31 1.28
2016-09-30 1.26
2016-06-30 1.24

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Guaranty Federal Bancshares will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Guaranty Federal Bancshares's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Guaranty Federal Bancshares has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

GFED Past Performance

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

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Guaranty Federal Bancshares's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Guaranty Federal Bancshares's year on year earnings growth rate has been positive over the past 5 years.
  • Guaranty Federal Bancshares's 1-year earnings growth exceeds its 5-year average (59.2% vs 3.8%)
  • Guaranty Federal Bancshares's earnings growth has exceeded the US Mortgage industry average in the past year (59.2% vs 39%).
Earnings and Revenue History
Guaranty Federal Bancshares's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Guaranty Federal Bancshares Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:GFED Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 40.86 8.10 22.26
2018-12-31 38.65 7.33 21.00
2018-09-30 35.67 5.37 19.80
2018-06-30 30.85 3.15 18.39
2018-03-31 27.52 5.08 16.43
2017-12-31 26.74 5.16 15.76
2017-09-30 26.60 6.26 15.12
2017-06-30 25.85 6.08 14.59
2017-03-31 25.15 5.75 14.29
2016-12-31 24.71 5.59 13.93
2016-09-30 24.26 5.51 13.54
2016-06-30 23.94 5.38 13.32
2016-03-31 24.70 5.66 13.12
2015-12-31 24.79 5.72 13.03
2015-09-30 24.80 6.07 12.68
2015-06-30 24.18 6.01 12.31
2015-03-31 22.95 5.70 11.95
2014-12-31 22.76 5.43 11.70
2014-09-30 22.37 4.82 11.70
2014-06-30 22.69 4.60 11.74
2014-03-31 24.79 4.75 11.83
2013-12-31 24.53 4.45 11.92
2013-09-30 25.14 4.55 12.01
2013-06-30 22.27 2.49 12.01
2013-03-31 18.70 1.07 11.90
2012-12-31 18.05 0.87 11.74
2012-09-30 18.89 0.61 11.60
2012-06-30 21.40 2.46 11.49

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Guaranty Federal Bancshares has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Guaranty Federal Bancshares used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.
  • Unable to establish if Guaranty Federal Bancshares improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Guaranty Federal Bancshares's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Guaranty Federal Bancshares has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

GFED Health

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

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Guaranty Federal Bancshares's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Guaranty Federal Bancshares Company Filings, last reported 2 months ago.

NasdaqGM:GFED Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 82.62 88.56 43.71
2018-12-31 80.48 132.06 32.42
2018-09-30 78.61 123.48 33.89
2018-06-30 75.25 117.20 32.61
2018-03-31 75.83 96.07 40.03
2017-12-31 74.89 109.77 37.41
2017-09-30 74.65 98.27 10.72
2017-06-30 73.32 109.27 10.75
2017-03-31 71.50 107.57 8.50
2016-12-31 69.97 111.17 9.09
2016-09-30 71.09 90.07 10.95
2016-06-30 70.02 93.87 9.80
2016-03-31 68.02 67.57 17.62
2015-12-31 66.42 67.57 18.77
2015-09-30 65.76 71.97 9.42
2015-06-30 63.96 67.57 21.42
2015-03-31 63.34 77.82 44.06
2014-12-31 61.48 85.82 7.22
2014-09-30 59.35 84.62 11.12
2014-06-30 58.10 78.87 20.83
2014-03-31 68.27 77.82 49.24
2013-12-31 50.36 80.82 4.98
2013-09-30 49.66 78.42 30.08
2013-06-30 48.46 78.42 23.86
2013-03-31 51.44 93.42 42.69
2012-12-31 50.87 108.52 35.02
2012-09-30 49.99 108.52 38.64
2012-06-30 50.40 108.52 26.07
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Guaranty Federal Bancshares has an acceptable proportion of non-loan assets held.
  • Guaranty Federal Bancshares's liabilities are made up of primarily low risk sources of funding.
  • Loans at Guaranty Federal Bancshares are broadly funded by customer deposits.
  • Guaranty Federal Bancshares's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • Guaranty Federal Bancshares has a low allowance for bad loans.
  • Guaranty Federal Bancshares has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Guaranty Federal Bancshares's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Guaranty Federal Bancshares has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

GFED Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
2.26%
Current annual income from Guaranty Federal Bancshares dividends. Estimated to be 2.34% next year.
If you bought $2,000 of Guaranty Federal Bancshares shares you are expected to receive $45 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Guaranty Federal Bancshares's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.47%).
  • Guaranty Federal Bancshares's dividend is below the markets top 25% of dividend payers in United States of America (3.71%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGM:GFED Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
United States of America Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 95 Stocks 3.2%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2011 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGM:GFED Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2020-12-31 0.56 1.00
2019-12-31 0.52 1.00
NasdaqGM:GFED Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-03-29 0.520 2.269
2018-12-21 0.520 2.303
2018-09-28 0.480 2.053
2018-06-29 0.480 1.939
2018-04-02 0.480 2.038
2017-12-22 0.480 2.123
2017-09-22 0.400 1.842
2017-06-23 0.400 1.861
2017-03-24 0.400 2.010
2016-12-23 0.400 1.978
2016-09-30 0.320 1.844
2016-06-24 0.320 1.960
2016-03-28 0.320 2.029
2015-12-28 0.320 2.113
2015-09-25 0.200 1.359
2015-06-26 0.200 1.361
2015-03-27 0.200 1.365
2014-12-19 0.200 1.410
2014-09-26 0.200 1.570
2014-06-27 0.200 1.599
2010-05-12 0.000 0.000
2010-04-13 0.000 0.000
2010-03-30 0.000 0.000
2010-01-26 0.000 0.000
2009-11-17 0.000 0.000
2009-10-15 0.000 0.000
2009-08-12 0.000 0.000
2009-07-27 0.000 0.000

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Whilst dividend payments have been stable, Guaranty Federal Bancshares has been paying a dividend for less than 10 years.
  • Dividend payments have increased, but Guaranty Federal Bancshares only paid a dividend in the past 5 years.
Current Payout to shareholders
What portion of Guaranty Federal Bancshares's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (3.7x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Guaranty Federal Bancshares's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Guaranty Federal Bancshares afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Guaranty Federal Bancshares has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

GFED Management

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

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Shaun Burke
COMPENSATION $439,490
AGE 54
TENURE AS CEO 14.3 years
CEO Bio

Mr. Shaun A. Burke joined Guaranty Bank (the “Bank”) in March 09, 2004 as President and Chief Executive Officer. He was appointed President and Chief Executive Officer of Guaranty Federal Bancshares, Inc. on February 28, 2005. Mr. Burke has been a Member of Community Depository Institutions Advisory Council at Federal Reserve Bank of St. Louis since 2018. He has over 30 years of banking experience. Mr. Burke currently serves on the Board of the Missouri Bankers Association as Vice Chairman of the Legislative Affairs Committee and was previously Chairman of the Audit Committee. From 2014 to 2017, he began a three-year term on the Community Bankers Council of the American Bankers Association. In March 2016 he was appointed to the Federal Reserve Bank of St. Louis’ Community Depository Institutions Advisory Council. From 2012 to 2014, he was a Board Member of the Springfield Area Chamber of Commerce serving as Vice Chairman of Economic Development in 2014. From 2009 through 2014, he was a Board Member of the Springfield Business Development Corporation, the economic development subsidiary of the Springfield Area Chamber of Commerce serving as President in 2012. He is also a past Member of the United Way Allocations and Agency Relations Executive Committee, Salvation Army Board, and Big Brothers Big Sisters Board. Mr. Burke received a Bachelor of Science Degree in Finance from Missouri State University and is a graduate of the Graduate School of Banking of Colorado.

CEO Compensation
  • Shaun's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Shaun's remuneration is about average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Guaranty Federal Bancshares management team in years:

10.3
Average Tenure
54
Average Age
  • The average tenure for the Guaranty Federal Bancshares management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Shaun Burke

TITLE
President
COMPENSATION
$439K
AGE
54
TENURE
14.3 yrs

Carter Peters

TITLE
Executive VP & CFO
COMPENSATION
$294K
AGE
48
TENURE
12.3 yrs

Sheri Biser

TITLE
Executive VP & Chief Credit Officer - Guaranty Bank
COMPENSATION
$252K
AGE
54
TENURE
10.3 yrs

Robin Robeson

TITLE
Executive VP & COO - Guaranty Bank
COMPENSATION
$314K
AGE
52
TENURE
6.9 yrs

Vickie Griffin

TITLE
HR Director
AGE
64

Vicki Lindsay

TITLE
Corporate Secretary

Jeff Williams

TITLE
President of Joplin Market - Guaranty Bank
TENURE
3.2 yrs

Michael Calcote

TITLE
Treasurer
AGE
55

Carlye Wannenmacher

TITLE
VP & Director of Marketing - Guaranty Bank

Dana Elwell

TITLE
Vice President
AGE
65
Board of Directors Tenure

Average tenure and age of the Guaranty Federal Bancshares board of directors in years:

11.1
Average Tenure
54
Average Age
  • The average tenure for the Guaranty Federal Bancshares board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

James Batten

TITLE
Chairman
COMPENSATION
$33K
AGE
55
TENURE
3.1 yrs

Shaun Burke

TITLE
President
COMPENSATION
$439K
AGE
54
TENURE
15.3 yrs

Kurt Hellweg

TITLE
Director
COMPENSATION
$32K
AGE
60
TENURE
19.4 yrs

James Sivils

TITLE
Director
COMPENSATION
$31K
AGE
53
TENURE
17.4 yrs

David Moore

TITLE
Director
COMPENSATION
$32K
AGE
47
TENURE
5.1 yrs

Tim Rosenbury

TITLE
Director
COMPENSATION
$32K
AGE
61
TENURE
17.4 yrs

John Griesemer

TITLE
Director
COMPENSATION
$32K
AGE
50
TENURE
11.1 yrs

Greg Horton

TITLE
Director
COMPENSATION
$30K
AGE
58
TENURE
3.3 yrs

Tony Scavuzzo

TITLE
Director
COMPENSATION
$6K
AGE
36
TENURE
1.3 yrs
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by Guaranty Federal Bancshares insiders in the past 3 months.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
30. May 19 Buy John Griesemer Individual 29. May 19 29. May 19 3,000 $23.00 $68,757
13. May 19 Buy John Griesemer Individual 09. May 19 09. May 19 5,000 $23.88 $117,214
26. Apr 19 Buy Carter Peters Individual 26. Apr 19 26. Apr 19 500 $23.56 $11,780
X
Management checks
We assess Guaranty Federal Bancshares's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Guaranty Federal Bancshares has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

GFED News

Simply Wall St News

Do Directors Own Guaranty Federal Bancshares, Inc. (NASDAQ:GFED) Shares?

Guaranty Federal Bancshares is a smaller company with a market capitalization of US$103m, so it may still be flying under the radar of many institutional investors. … See our latest analysis for Guaranty Federal Bancshares NasdaqGM:GFED Ownership Summary, May 16th 2019 What Does The Institutional Ownership Tell Us About Guaranty Federal Bancshares? … As you can see, institutional investors own 20% of Guaranty Federal Bancshares.

Simply Wall St -

If You Had Bought Guaranty Federal Bancshares (NASDAQ:GFED) Shares Five Years Ago You'd Have Made 81%

One way to examine how market sentiment has changed over time is to look at the interaction between a company's share price and its earnings per share (EPS). … During five years of share price growth, Guaranty Federal Bancshares achieved compound earnings per share (EPS) growth of 1.9% per year. … This EPS growth is slower than the share price growth of 13% per year, over the same period.

Simply Wall St -

Guaranty Federal Bancshares, Inc. (NASDAQ:GFED): 4 Days To Buy Before The Ex-Dividend Date

Investors who want to cash in on Guaranty Federal Bancshares, Inc.'s (NASDAQ:GFED) upcoming dividend of US$0.13 per share have only 4 days left to buy the shares before its ex-dividend date, 08 April 2019, in time for dividends payable on the 19 April 2019. … Should you diversify into Guaranty Federal Bancshares and boost your portfolio income stream? … View our latest analysis for Guaranty Federal Bancshares?

Simply Wall St -

Does Guaranty Federal Bancshares, Inc.'s (NASDAQ:GFED) CEO Pay Compare Well With Peers?

This report will, first, examine the CEO compensation levels in comparison to CEO compensation at companies of similar size. … How Does Shaun Burke's Compensation Compare With Similar Sized Companies. … We examined a group of similar sized companies, with market capitalizations of below US$200m

Simply Wall St -

Does Guaranty Federal Bancshares, Inc.'s (NASDAQ:GFED) P/E Ratio Signal A Buying Opportunity?

We'll show how you can use Guaranty Federal Bancshares, Inc.'s (NASDAQ:GFED) P/E ratio to inform your assessment of the investment opportunity. … Based on the last twelve months, Guaranty Federal Bancshares's P/E ratio is 14.26. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

What Did Guaranty Federal Bancshares Inc's (NASDAQ:GFED) CEO Take Home Last Year?

This analysis aims first to contrast CEO compensation with other companies that have similar market capitalization. … How Does Shaun Burke's Compensation Compare With Similar Sized Companies. … Our data indicates that Guaranty Federal Bancshares Inc is worth US$105m, and total annual CEO compensation is US$432k

Simply Wall St -

Should You Be Tempted To Sell Guaranty Federal Bancshares Inc (NASDAQ:GFED) At Its Current PE Ratio?

Guaranty Federal Bancshares Inc (NASDAQ:GFED) is currently trading at a trailing P/E of 34.4, which is higher than the industry average of 18.3. … Though this might seem to be a negative, you might change your mind after I explain the assumptions behind the P/E ratio. … See our latest analysis for Guaranty Federal Bancshares

Simply Wall St -

Why Guaranty Federal Bancshares Inc (NASDAQ:GFED) May Not Be As Efficient As Its Industry

and want to begin learning the link between company’s fundamentals and stock market performance. … Guaranty Federal Bancshares Inc (NASDAQ:GFED) performed in line with its thrifts and mortgage finance industry on the basis of its ROE – producing a return of 4.18% relative to the peer average of 6.60% over the past 12 months. … See our latest analysis for Guaranty Federal Bancshares

Simply Wall St -

Should You Be Concerned About Guaranty Federal Bancshares Inc's (NASDAQ:GFED) Earnings Growth?

Examining Guaranty Federal Bancshares Inc's (NASDAQ:GFED) past track record of performance is a valuable exercise for investors. … Below, I will assess GFED's latest performance announced on 30 June 2018 and weigh these figures against its longer term trend and industry movements. … View our latest analysis for Guaranty Federal Bancshares?

Simply Wall St -

Is Guaranty Federal Bancshares Inc's (NASDAQ:GFED) CEO Paid Enough To Stay Motivated?

Leading Guaranty Federal Bancshares Inc (NASDAQ:GFED) as the CEO, Shaun Burke took the company to a valuation of US$108.07m. … Understanding how CEOs are incentivised to run and grow their company is an important aspect of investing in a stock. … Check out our latest analysis for Guaranty Federal Bancshares

Simply Wall St -

GFED Company Info

Description

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; and consumer and other loans, such as loans secured by certificates of deposit, automobile loans, boat loans, and home equity loans, as well as business loans. As of January 23, 2019, the company had 16 full-service branches in Greene, Christian, Jasper, and Newton Counties and a loan production office in Webster County. Guaranty Federal Bancshares, Inc. was founded in 1913 and is based in Springfield, Missouri.

Details
Name: Guaranty Federal Bancshares, Inc.
GFED
Exchange: NasdaqGM
Founded: 1913
$103,337,898
4,483,206
Website: http://www.gbankmo.com
Address: Guaranty Federal Bancshares, Inc.
2144 E Republic Road,
Suite F200,
Springfield,
Missouri, 65804,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGM GFED Common Stock Nasdaq Global Market US USD 31. Dec 1997
Number of employees
Current staff
Staff numbers
214
Guaranty Federal Bancshares employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/06/15 23:39
End of day share price update: 2019/06/14 00:00
Last estimates confirmation: 2019/04/18
Last earnings filing: 2019/05/09
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.