OTCPK:GFCJ

Stock Analysis Report

Executive Summary

Guaranty Financial Corporation operates as the bank holding company for Guaranty Bank that provides various banking services.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • Guaranty Financial has significant price volatility in the past 3 months.
  • No data on Guaranty Financial's last earnings update.
  • Guaranty Financial is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

-9.0%

OTCPK:GFCJ

-1.8%

US Banks

-1.6%

US Market


1 Year Return

n/a

OTCPK:GFCJ

-16.1%

US Banks

-3.0%

US Market

No trading data on GFCJ.

No trading data on GFCJ.


Share holder returns

GFCJIndustryMarket
7 Day-9.0%-1.8%-1.6%
30 Day-40.8%-10.1%-5.7%
90 Dayn/a-5.0%0.2%
1 Yearn/a-13.7%-16.1%-0.8%-3.0%
3 Year-99.1%-99.1%37.9%28.5%38.1%29.1%
5 Yearn/a49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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


In this section, we usually try to help investors determine whether Guaranty Financial is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Guaranty Financial has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of GFCJ’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Guaranty Financial regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Guaranty Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Guaranty Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of GFCJ’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Guaranty Financial's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Guaranty Financial performed over the past 5 years?

0.2%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Guaranty Financial has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

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


In this section we usually analyse Guaranty Financial's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Guaranty Financial has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of GFCJ’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Guaranty Financial's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate Guaranty Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Guaranty Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Guaranty Financial has not reported any payouts.

Unable to verify if Guaranty Financial's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Guaranty Financial has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

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

17.6yrs

Average board tenure


CEO

Doug Levy (63yo)

0.0yrs

Tenure

0

Douglas S. Levy has served as President of Guaranty Bank (MHC) since 1990 and CEO since 2002. He also serves as President, CEO and Director of Guaranty Financial Corp. (MHC). 


Board Age and Tenure

17.6yrs

Average Tenure

75yo

Average Age

The average tenure for the Guaranty Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Rich Larson (62yo)

    Executive VP of Finance

    • Tenure: 0.0yrs
  • Doug Levy (63yo)

    President & CEO

    • Tenure: 0.0yrs

Board Members

  • Peter Grossman (76yo)

    Director

    • Tenure: 17.6yrs
  • Jerry Levy (87yo)

    Executive Chairman of the Board

    • Tenure: 0.0yrs
  • Vicki Medvec (55yo)

    Director

    • Tenure: 16.6yrs
  • Doug Levy (63yo)

    President & CEO

    • Tenure: 0.0yrs
  • Bruce Wynn (74yo)

    Director

    • Tenure: 17.6yrs
  • Charles Hill (83yo)

    Director

    • Tenure: 17.6yrs

Company Information

Guaranty Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Guaranty Financial Corporation
  • Ticker: GFCJ
  • Exchange: OTCPK
  • Founded: 1923
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$50.969k
  • Shares outstanding: 1.87m
  • Website: https://null

Location

  • Guaranty Financial Corporation
  • 4000 West Brown Deer Road
  • Brown Deer
  • Wisconsin
  • 53209
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
GFCJOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJun 1998

Biography

Guaranty Financial Corporation operates as the bank holding company for Guaranty Bank that provides various banking services. It accepts various checking and savings accounts, certificates of deposit, mone ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:39
End of Day Share Price2019/08/20 00:00
EarningsN/A
Annual EarningsN/A


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.