NasdaqGM:GFED

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Guaranty Federal Bancshares

Executive Summary

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. More Details


Snowflake Analysis

Undervalued with excellent balance sheet.


Similar Companies

Share Price & News

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


Latest Share Price and Events

Stable Share Price: GFED has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-2.0%

GFED

1.0%

US Mortgage

0.4%

US Market


1 Year Return

n/a

GFED

-17.5%

US Mortgage

17.8%

US Market

Return vs Industry: Insufficient data to determine how GFED performed against the US Mortgage industry.

Return vs Market: Insufficient data to determine how GFED performed against the US Market.


Shareholder returns

GFEDIndustryMarket
7 Day-2.0%1.0%0.4%
30 Day2.1%7.5%6.1%
90 Day0.04%11.3%8.9%
1 Yearn/a-15.0%-17.5%20.5%17.8%
3 Year-26.7%-32.4%-1.6%-9.7%42.3%32.9%
5 Year12.9%0%26.2%9.3%84.2%63.4%

Price Volatility Vs. Market

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


Simply Wall St News

Valuation

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

27.4%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: GFED ($14.7) is trading below our estimate of fair value ($20.25)

Significantly Below Fair Value: GFED is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: GFED is good value based on its PE Ratio (7.7x) compared to the US Mortgage industry average (11.1x).

PE vs Market: GFED is good value based on its PE Ratio (7.7x) compared to the US market (19.1x).


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 good value based on its PB Ratio (0.7x) compared to the US Mortgage industry average (0.8x).


Next Steps

Future Growth

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

-86.9%

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 (-86.9% per year).

Earnings vs Market: GFED's earnings are forecast to decline over the next 3 years (-86.9% per year).

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

Revenue vs Market: GFED's revenue (2.7% per year) is forecast to grow slower than the US market (9.9% per year).

High Growth Revenue: GFED's revenue (2.7% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if GFED's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

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

12.8%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: GFED has high quality earnings.

Growing Profit Margin: GFED's current net profit margins (21.3%) are lower than last year (24.3%).


Past Earnings Growth Analysis

Earnings Trend: GFED's earnings have grown by 12.8% per year over the past 5 years.

Accelerating Growth: GFED's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: GFED had negative earnings growth (-13.5%) over the past year, making it difficult to compare to the Mortgage industry average (6.7%).


Return on Equity

High ROE: GFED's Return on Equity (9.3%) is considered low.


Next Steps

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 (12.9x) is moderate.

Allowance for Bad Loans: GFED has a low allowance for bad loans (78%).

Low Risk Liabilities: 89% 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 (68%).

Low Risk Deposits: GFED's Loans to Deposits ratio (84%) is appropriate.

Level of Bad Loans: GFED has an appropriate level of bad loans (1.4%).


Next Steps

Dividend

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

4.08%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: GFED's dividend (4.08%) is higher than the bottom 25% of dividend payers in the US market (1.63%).

High Dividend: GFED's dividend (4.08%) is low compared to the top 25% of dividend payers in the US market (4.56%).


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 6 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (31.6%), GFED's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

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

11.7yrs

Average management tenure


CEO

Shaun Burke (56 yo)

15.67yrs

Tenure

US$432,543

Compensation

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. ...


CEO Compensation Analysis

Compensation vs Market: Shaun's total compensation ($USD432.54K) is about average for companies of similar size in the US market ($USD578.04K).

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


Leadership Team

NamePositionTenureCompensationOwnership
Shaun Burke
President15.67yrsUS$432.54k1.53%
$ 978.1k
Carter Peters
Executive VP & CFO13.67yrsUS$293.62k0.79%
$ 501.1k
Sheri Biser
Executive VP & Chief Credit Officer - Guaranty Bank11.67yrsUS$258.73k0.48%
$ 304.7k
Robin Robeson
Executive VP & COO - Guaranty Bank8.25yrsUS$313.27k0.40%
$ 252.4k
Vickie Griffin
HR Directorno datano datano data
Vicki Lindsay
Corporate Secretaryno datano datano data
Jeffrey Williams
President of Joplin Market - Guaranty Bank4.5yrsno datano data
Michael Calcote
Treasurerno datano datano data
Carlye Wannenmacher
VP & Director of Marketing - Guaranty Bankno datano datano data
Dana Elwell
Vice Presidentno datano datano data
Kenneth Johnston
Vice Presidentno datano datano data
Craig Dunn
Executive VP & Chief Commercial Banking Officer of Guaranty Bankno datano data0.034%
$ 21.9k

11.7yrs

Average Tenure

56yo

Average Age

Experienced Management: GFED's management team is seasoned and experienced (11.7 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Shaun Burke
President15.67yrsUS$432.54k1.53%
$ 978.1k
James Batten
Independent Chairman4.42yrsUS$32.96k0.58%
$ 370.3k
David Moore
Independent Director6.42yrsUS$34.54k0.15%
$ 96.6k
Kurt Hellweg
Independent Director20.75yrsUS$29.78k2.23%
$ 1.4m
Timothy Rosenbury
Independent Director18.75yrsUS$31.09k0.56%
$ 358.7k
James Sivils
Independent Director18.75yrsUS$29.75k0.60%
$ 385.6k
John Griesemer
Independent Director12.42yrsUS$33.18k2.98%
$ 1.9m
Anthony Scavuzzo
Independent Director2.58yrsUS$11.15kno data
Greg Horton
Independent Director4.67yrsUS$30.16k0.12%
$ 76.4k

12.4yrs

Average Tenure

56yo

Average Age

Experienced Board: GFED's board of directors are seasoned and experienced ( 12.4 years average tenure).


Ownership

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


Insider Trading Volume

Insider Buying: GFED insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

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


Top Shareholders

Company Information

Guaranty Federal Bancshares, Inc.'s company bio, 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$63.763m
  • Shares outstanding: 4.34m
  • 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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
GFEDNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDDec 1997

Biography

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. ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/26 05:20
End of Day Share Price2020/10/22 00:00
Earnings2020/09/30
Annual Earnings2019/12/31


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.