Guaranty Federal Bancshares, Inc. Logo

Guaranty Federal Bancshares, Inc.

GFED

(1.8)
Stock Price

31,43 USD

0.91% ROA

11.41% ROE

12.85x PER

Market Cap.

0,00 USD

55.49% DER

0% Yield

23.4% NPM

Guaranty Federal Bancshares, Inc. Stock Analysis

Guaranty Federal Bancshares, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Guaranty Federal Bancshares, Inc. Fundamental Stock Analysis
# Analysis Rating
1 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

2 ROE

The stock's ROE falls within an average range (11.41%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.91%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 PBV

The stock's PBV ratio (1.4x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

5 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

6 Buffet Intrinsic Value

The company's stock seems undervalued (168) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

7 DER

The stock is burdened with a heavy load of debt (1103%), making it financially unstable and potentially risky for investors.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

11 Dividend

Investors should be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

Guaranty Federal Bancshares, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Guaranty Federal Bancshares, Inc. Technical Stock Analysis
# Analysis Recommendation

Guaranty Federal Bancshares, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Guaranty Federal Bancshares, Inc. Revenue
Year Revenue Growth
1995 5.100.000
1996 6.900.000 26.09%
1997 6.900.000 0%
1998 9.500.000 27.37%
1999 11.300.000 15.93%
2000 12.053.120 6.25%
2001 12.907.352 6.62%
2002 14.769.582 12.61%
2003 0 0%
2004 15.709.816 100%
2005 19.020.062 17.4%
2006 21.477.573 11.44%
2007 22.181.804 3.17%
2008 19.155.319 -15.8%
2009 17.634.345 -8.63%
2010 21.874.628 19.38%
2011 25.250.199 13.37%
2012 23.551.785 -7.21%
2013 25.763.986 8.59%
2014 23.782.306 -8.33%
2015 25.245.857 5.8%
2016 25.790.706 2.11%
2017 28.212.719 8.58%
2018 39.545.241 28.66%
2019 38.463.311 -2.81%
2020 40.942.395 6.06%
2021 45.731.224 10.47%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Guaranty Federal Bancshares, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Guaranty Federal Bancshares, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 1.700.000
1996 2.000.000 15%
1997 2.000.000 0%
1998 2.300.000 13.04%
1999 3.100.000 25.81%
2000 3.418.975 9.33%
2001 4.088.038 16.37%
2002 4.610.235 11.33%
2003 0 0%
2004 4.571.541 100%
2005 4.884.869 6.41%
2006 6.111.762 20.07%
2007 7.074.249 13.61%
2008 8.276.404 14.53%
2009 9.895.861 16.36%
2010 10.311.715 4.03%
2011 10.358.709 0.45%
2012 11.092.787 6.62%
2013 10.896.922 -1.8%
2014 10.590.077 -2.9%
2015 11.632.452 8.96%
2016 12.541.838 7.25%
2017 13.922.119 9.91%
2018 17.588.465 20.85%
2019 18.803.887 6.46%
2020 20.686.695 9.1%
2021 25.510.636 18.91%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Guaranty Federal Bancshares, Inc. EBITDA
Year EBITDA Growth
1995 8.600.000
1996 11.300.000 23.89%
1997 10.400.000 -8.65%
1998 13.600.000 23.53%
1999 16.400.000 17.07%
2000 18.853.184 13.01%
2001 22.068.524 14.57%
2002 20.402.945 -8.16%
2003 0 0%
2004 15.791.989 100%
2005 21.977.591 28.15%
2006 28.775.728 23.62%
2007 31.030.011 7.26%
2008 12.110.595 -156.22%
2009 17.516.751 30.86%
2010 17.258.342 -1.5%
2011 14.866.934 -16.09%
2012 9.417.904 -57.86%
2013 12.790.079 26.37%
2014 12.094.967 -5.75%
2015 13.376.419 9.58%
2016 12.629.008 -5.92%
2017 14.970.609 15.64%
2018 20.708.285 27.71%
2019 27.080.704 23.53%
2020 20.145.138 -34.43%
2021 19.810.716 -1.69%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Guaranty Federal Bancshares, Inc. Gross Profit
Year Gross Profit Growth
1995 5.100.000
1996 6.900.000 26.09%
1997 6.900.000 0%
1998 9.500.000 27.37%
1999 11.300.000 15.93%
2000 12.053.120 6.25%
2001 12.907.352 6.62%
2002 14.769.582 12.61%
2003 0 0%
2004 15.709.816 100%
2005 19.020.062 17.4%
2006 21.477.573 11.44%
2007 22.181.804 3.17%
2008 19.155.319 -15.8%
2009 17.634.345 -8.63%
2010 21.874.628 19.38%
2011 25.250.199 13.37%
2012 23.551.785 -7.21%
2013 25.763.986 8.59%
2014 23.782.306 -8.33%
2015 25.245.857 5.8%
2016 25.790.706 2.11%
2017 28.212.719 8.58%
2018 39.545.241 28.66%
2019 38.463.311 -2.81%
2020 40.942.395 6.06%
2021 45.731.224 10.47%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Guaranty Federal Bancshares, Inc. Net Profit
Year Net Profit Growth
1995 1.300.000
1996 1.800.000 27.78%
1997 1.200.000 -50%
1998 2.800.000 57.14%
1999 3.400.000 17.65%
2000 3.505.802 3.02%
2001 3.232.973 -8.44%
2002 3.592.982 10.02%
2003 0 0%
2004 4.284.773 100%
2005 5.898.970 27.36%
2006 6.509.084 9.37%
2007 6.099.882 -6.71%
2008 -5.359.711 213.81%
2009 -2.340.718 -128.98%
2010 1.130.771 307%
2011 3.835.639 70.52%
2012 1.943.859 -97.32%
2013 5.239.707 62.9%
2014 5.782.696 9.39%
2015 5.716.767 -1.15%
2016 5.594.011 -2.19%
2017 5.157.664 -8.46%
2018 7.331.879 29.65%
2019 9.415.090 22.13%
2020 6.832.214 -37.8%
2021 10.022.536 31.83%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Guaranty Federal Bancshares, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 0
1996 1 0%
1997 0 0%
1998 0 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 100%
2003 0 0%
2004 2 100%
2005 2 50%
2006 2 0%
2007 2 0%
2008 -2 200%
2009 -1 0%
2010 0 0%
2011 1 100%
2012 1 0%
2013 2 100%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 2 0%
2019 2 50%
2020 2 -100%
2021 2 50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Guaranty Federal Bancshares, Inc. Free Cashflow
Year Free Cashflow Growth
1995 -2.800.000
1996 -800.000 -250%
1997 -900.000 11.11%
1998 2.400.000 137.5%
1999 4.100.000 41.46%
2000 4.090.096 -0.24%
2001 1.353.156 -202.26%
2002 4.438.376 69.51%
2003 -1.436.805 408.91%
2004 1.894.872 175.83%
2005 6.783.430 72.07%
2006 6.381.264 -6.3%
2007 9.734.796 34.45%
2008 5.519.528 -76.37%
2009 -4.764.801 215.84%
2010 11.687.928 140.77%
2011 6.937.634 -68.47%
2012 11.647.907 40.44%
2013 13.401.431 13.08%
2014 9.028.009 -48.44%
2015 6.982.988 -29.29%
2016 7.293.506 4.26%
2017 6.597.130 -10.56%
2018 8.888.467 25.78%
2019 7.345.660 -21%
2020 3.938.166 -86.52%
2021 3.656.742 -7.7%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Guaranty Federal Bancshares, Inc. Operating Cashflow
Year Operating Cashflow Growth
1995 -100.000
1996 1.300.000 107.69%
1997 -600.000 316.67%
1998 2.800.000 121.43%
1999 4.500.000 37.78%
2000 4.849.489 7.21%
2001 2.937.825 -65.07%
2002 4.938.945 40.52%
2003 -1.262.213 491.29%
2004 3.195.849 139.5%
2005 7.816.207 59.11%
2006 6.381.264 -22.49%
2007 9.734.796 34.45%
2008 8.335.582 -16.79%
2009 -3.183.082 361.87%
2010 12.758.873 124.95%
2011 7.753.993 -64.55%
2012 12.257.863 36.74%
2013 13.824.057 11.33%
2014 9.499.989 -45.52%
2015 7.839.094 -21.19%
2016 8.469.338 7.44%
2017 10.281.837 17.63%
2018 12.324.856 16.58%
2019 8.326.806 -48.01%
2020 4.622.955 -80.12%
2021 3.719.124 -24.3%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Guaranty Federal Bancshares, Inc. Capital Expenditure
Year Capital Expenditure Growth
1995 2.700.000
1996 2.100.000 -28.57%
1997 300.000 -600%
1998 400.000 25%
1999 400.000 0%
2000 759.393 47.33%
2001 1.584.669 52.08%
2002 500.569 -216.57%
2003 174.592 -186.71%
2004 1.300.977 86.58%
2005 1.032.777 -25.97%
2006 0 0%
2007 0 0%
2008 2.816.054 100%
2009 1.581.719 -78.04%
2010 1.070.945 -47.69%
2011 816.359 -31.19%
2012 609.956 -33.84%
2013 422.626 -44.33%
2014 471.980 10.46%
2015 856.106 44.87%
2016 1.175.832 27.19%
2017 3.684.707 68.09%
2018 3.436.389 -7.23%
2019 981.146 -250.24%
2020 684.789 -43.28%
2021 62.382 -997.73%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Guaranty Federal Bancshares, Inc. Equity
Year Equity Growth
1998 70.700.000
1999 63.400.000 -11.51%
2000 56.585.390 -12.04%
2001 50.205.791 -12.71%
2002 35.434.877 -41.68%
2003 37.978.121 6.7%
2004 40.773.263 6.86%
2005 42.092.149 3.13%
2006 44.899.243 6.25%
2007 42.686.660 -5.18%
2008 37.312.902 -14.4%
2009 51.410.633 27.42%
2010 52.040.766 1.21%
2011 54.234.847 4.05%
2012 50.868.570 -6.62%
2013 50.355.233 -1.02%
2014 61.476.847 18.09%
2015 66.422.465 7.45%
2016 69.974.380 5.08%
2017 74.891.493 6.57%
2018 80.478.592 6.94%
2019 84.631.882 4.91%
2020 88.968.366 4.87%
2021 97.464.131 8.72%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Guaranty Federal Bancshares, Inc. Assets
Year Assets Growth
1998 260.000.000
1999 313.200.000 16.99%
2000 341.856.384 8.38%
2001 374.093.405 8.62%
2002 376.939.544 0.76%
2003 386.757.254 2.54%
2004 440.596.528 12.22%
2005 481.000.668 8.4%
2006 524.844.995 8.35%
2007 565.777.980 7.23%
2008 675.670.393 16.26%
2009 737.779.852 8.42%
2010 682.668.120 -8.07%
2011 648.505.858 -5.27%
2012 660.432.218 1.81%
2013 619.888.135 -6.54%
2014 628.459.644 1.36%
2015 652.835.072 3.73%
2016 687.979.819 5.11%
2017 794.459.520 13.4%
2018 965.137.870 17.68%
2019 1.012.024.625 4.63%
2020 1.146.252.939 11.71%
2021 1.172.910.304 2.27%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Guaranty Federal Bancshares, Inc. Liabilities
Year Liabilities Growth
1998 189.300.000
1999 249.800.000 24.22%
2000 285.270.994 12.43%
2001 323.887.614 11.92%
2002 341.504.667 5.16%
2003 348.779.133 2.09%
2004 399.823.265 12.77%
2005 438.908.519 8.91%
2006 479.945.752 8.55%
2007 523.091.320 8.25%
2008 638.357.491 18.06%
2009 686.369.219 7%
2010 630.627.354 -8.84%
2011 594.271.011 -6.12%
2012 609.563.648 2.51%
2013 569.532.902 -7.03%
2014 566.982.797 -0.45%
2015 586.412.607 3.31%
2016 618.005.439 5.11%
2017 719.568.027 14.11%
2018 884.659.278 18.66%
2019 927.392.743 4.61%
2020 1.057.284.573 12.29%
2021 1.075.446.173 1.69%

Guaranty Federal Bancshares, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
10.45
Net Income per Share
2.45
Price to Earning Ratio
12.85x
Price To Sales Ratio
0x
POCF Ratio
7.17
PFCF Ratio
0
Price to Book Ratio
1.4
EV to Sales
-1.69
EV Over EBITDA
-3.45
EV to Operating CashFlow
-4.03
EV to FreeCashFlow
-4.22
Earnings Yield
0.08
FreeCashFlow Yield
0
Market Cap
0,00 Bil.
Enterprise Value
-0,08 Bil.
Graham Number
35.11
Graham NetNet
-181.71

Income Statement Metrics

Net Income per Share
2.45
Income Quality
1.79
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.8
EBT Per Ebit
0.67
Ebit per Revenue
0.44
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.49
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.44
Pretax Profit Margin
0.29
Net Profit Margin
0.23

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0.25
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
4.39
Free CashFlow per Share
4.19
Capex to Operating CashFlow
-0.05
Capex to Revenue
-0.02
Capex to Depreciation
-0.36
Return on Invested Capital
0.1
Return on Tangible Assets
0.01
Days Sales Outstanding
28.76
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
12.69
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.2

Balance Sheet

Cash per Share
64,90
Book Value per Share
22,41
Tangible Book Value per Share
21.72
Shareholders Equity per Share
22.41
Interest Debt per Share
13.93
Debt to Equity
0.55
Debt to Assets
0.05
Net Debt to EBITDA
-3.45
Current Ratio
2118.95
Tangible Asset Value
0,09 Bil.
Net Current Asset Value
-0,08 Bil.
Invested Capital
0.55
Working Capital
0,99 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Guaranty Federal Bancshares, Inc. Dividends
Year Dividends Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 1 0%
2001 0 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 0 0%

Guaranty Federal Bancshares, Inc. Profile

About Guaranty Federal Bancshares, Inc.

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. The company also invests in mortgage-backed securities, U.S. Government and federal agency securities, and other marketable securities. As of January 20, 2022, it had 16 full-service branches in Greene, Christian, Jasper, and Newton counties; a loan production office in Webster County; and approximately 37,000 ATMs. Guaranty Federal Bancshares, Inc. was founded in 1913 and is based in Springfield, Missouri.

CEO
Mr. Shaun Burke
Employee
211
Address
1341 W Battlefield St
Springfield, 65804

Guaranty Federal Bancshares, Inc. Executives & BODs

Guaranty Federal Bancshares, Inc. Executives & BODs
# Name Age

Guaranty Federal Bancshares, Inc. Competitors