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
Undervalued with excellent balance sheet.
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.
7 Day Return
1 Year Return
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.
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
3 months ago | Simply Wall StThere's A Lot To Like About Guaranty Federal Bancshares' (NASDAQ:GFED) Upcoming US$0.15 Dividend
4 months ago | Simply Wall StWho Has Been Buying Guaranty Federal Bancshares, Inc. (NASDAQ:GFED) Shares?
5 months ago | Simply Wall StDo Institutions Own Guaranty Federal Bancshares, Inc. (NASDAQ:GFED) Shares?
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 ($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).
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 (-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
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 (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.
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 (12.9x) 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%).
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 (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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Shaun Burke (56 yo)
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.
|Executive VP & CFO||13.67yrs||US$293.62k||0.79% |
|Executive VP & Chief Credit Officer - Guaranty Bank||11.67yrs||US$258.73k||0.48% |
|Executive VP & COO - Guaranty Bank||8.25yrs||US$313.27k||0.40% |
|HR Director||no data||no data||no data|
|Corporate Secretary||no data||no data||no data|
|President of Joplin Market - Guaranty Bank||4.5yrs||no data||no data|
|Treasurer||no data||no data||no data|
|VP & Director of Marketing - Guaranty Bank||no data||no data||no data|
|Vice President||no data||no data||no data|
|Vice President||no data||no data||no data|
|Executive VP & Chief Commercial Banking Officer of Guaranty Bank||no data||no data||0.034% |
Experienced Management: GFED's management team is seasoned and experienced (11.7 years average tenure).
|Independent Chairman||4.42yrs||US$32.96k||0.58% |
|Independent Director||6.42yrs||US$34.54k||0.15% |
|Independent Director||20.75yrs||US$29.78k||2.23% |
|Independent Director||18.75yrs||US$31.09k||0.56% |
|Independent Director||18.75yrs||US$29.75k||0.60% |
|Independent Director||12.42yrs||US$33.18k||2.98% |
|Independent Director||2.58yrs||US$11.15k||no data|
|Independent Director||4.67yrs||US$30.16k||0.12% |
Experienced Board: GFED's board of directors are seasoned and experienced ( 12.4 years average tenure).
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Guaranty Federal Bancshares, Inc.'s company bio, 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$63.763m
- Shares outstanding: 4.34m
- Website: https://www.gbankmo.com
Number of Employees
- Guaranty Federal Bancshares, Inc.
- 2144 E Republic Road
- Suite F200
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|GFED||NasdaqGM (Nasdaq Global Market)||Yes||Common Stock||US||USD||Dec 1997|
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
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/26 05:20|
|End of Day Share Price||2020/10/22 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.