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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.27
GBNK's Cash to Debt is ranked higher than
59% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. GBNK: 0.27 )
GBNK' s 10-Year Cash to Debt Range
Min: 0.17   Max: No Debt
Current: 0.27

Equity to Asset 0.10
GBNK's Equity to Asset is ranked higher than
69% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. GBNK: 0.10 )
GBNK' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.22
Current: 0.1

0.08
0.22
Interest Coverage 2.88
GBNK's Interest Coverage is ranked higher than
82% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. GBNK: 2.88 )
GBNK' s 10-Year Interest Coverage Range
Min: 0.44   Max: 9999.99
Current: 2.88

0.44
9999.99
F-Score: 6
Z-Score: -0.08
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

vs
industry
vs
history
Operating margin (%) 29.33
GBNK's Operating margin (%) is ranked higher than
75% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. GBNK: 29.33 )
GBNK' s 10-Year Operating margin (%) Range
Min: -318.07   Max: 35.88
Current: 29.33

-318.07
35.88
Net-margin (%) 19.80
GBNK's Net-margin (%) is ranked higher than
72% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. GBNK: 19.80 )
GBNK' s 10-Year Net-margin (%) Range
Min: -284.69   Max: 125.8
Current: 19.8

-284.69
125.8
ROE (%) 8.37
GBNK's ROE (%) is ranked higher than
74% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. GBNK: 8.37 )
GBNK' s 10-Year ROE (%) Range
Min: -88.49   Max: 16.59
Current: 8.37

-88.49
16.59
ROA (%) 0.83
GBNK's ROA (%) is ranked higher than
74% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. GBNK: 0.83 )
GBNK' s 10-Year ROA (%) Range
Min: -11.48   Max: 1.14
Current: 0.83

-11.48
1.14
ROC (Joel Greenblatt) (%) 51.66
GBNK's ROC (Joel Greenblatt) (%) is ranked higher than
68% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. GBNK: 51.66 )
GBNK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -395.87   Max: 42.92
Current: 51.66

-395.87
42.92
Revenue Growth (3Y)(%) -19.30
GBNK's Revenue Growth (3Y)(%) is ranked higher than
53% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. GBNK: -19.30 )
GBNK' s 10-Year Revenue Growth (3Y)(%) Range
Min: -35.2   Max: 6.7
Current: -19.3

-35.2
6.7
» GBNK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

GBNK Guru Trades in Q4 2013

Jim Simons 34,220 sh (+6.54%)
Columbia Wanger 255,739 sh (unchged)
Chuck Royce 357,970 sh (unchged)
» More
Q1 2014

GBNK Guru Trades in Q1 2014

Jim Simons 47,098 sh (+37.63%)
Chuck Royce 372,970 sh (+4.19%)
Columbia Wanger 255,739 sh (unchged)
» More
Q2 2014

GBNK Guru Trades in Q2 2014

Chuck Royce 378,970 sh (+1.61%)
Jim Simons 47,120 sh (+0.05%)
Columbia Wanger 255,739 sh (unchged)
» More
Q3 2014

GBNK Guru Trades in Q3 2014

Jim Simons 56,815 sh (+20.58%)
Chuck Royce 403,498 sh (+6.47%)
Columbia Wanger 255,739 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with GBNK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Rogers 2011-09-30 Sold Out 0.0117%$1.03 - $1.4095 $ 14.51069%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.60
GBNK's P/E(ttm) is ranked higher than
73% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. GBNK: 18.60 )
GBNK' s 10-Year P/E(ttm) Range
Min: 11.87   Max: 70.99
Current: 18.6

11.87
70.99
P/B 1.50
GBNK's P/B is ranked higher than
67% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. GBNK: 1.50 )
GBNK' s 10-Year P/B Range
Min: 0.4   Max: 2.37
Current: 1.5

0.4
2.37
P/S 3.70
GBNK's P/S is ranked higher than
72% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. GBNK: 3.70 )
GBNK' s 10-Year P/S Range
Min: 0.71   Max: 7.94
Current: 3.7

0.71
7.94
PFCF 11.40
GBNK's PFCF is ranked higher than
84% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. GBNK: 11.40 )
GBNK' s 10-Year PFCF Range
Min: 1.39   Max: 52.37
Current: 11.4

1.39
52.37
EV-to-EBIT 18.25
GBNK's EV-to-EBIT is ranked higher than
73% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. GBNK: 18.25 )
GBNK' s 10-Year EV-to-EBIT Range
Min: -8.2   Max: 97.2
Current: 18.25

-8.2
97.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.40
GBNK's Dividend Yield is ranked lower than
70% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. GBNK: 1.40 )
GBNK' s 10-Year Dividend Yield Range
Min: 0.38   Max: 1.28
Current: 1.4

0.38
1.28
Dividend Payout 0.22
GBNK's Dividend Payout is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. GBNK: 0.22 )
GBNK' s 10-Year Dividend Payout Range
Min: 0.13   Max: 0.29
Current: 0.22

0.13
0.29
Yield on cost (5-Year) 1.40
GBNK's Yield on cost (5-Year) is ranked lower than
70% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. GBNK: 1.40 )
GBNK' s 10-Year Yield on cost (5-Year) Range
Min: 0.38   Max: 1.28
Current: 1.4

0.38
1.28
Share Buyback Rate -26.60
GBNK's Share Buyback Rate is ranked higher than
53% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. GBNK: -26.60 )
GBNK' s 10-Year Share Buyback Rate Range
Min: 3.8   Max: -231.6
Current: -26.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
GBNK's Price/Tangible Book is ranked higher than
71% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. GBNK: 1.60 )
GBNK' s 10-Year Price/Tangible Book Range
Min: 0.51   Max: 5.1
Current: 1.6

0.51
5.1
Price/DCF (Projected) 0.80
GBNK's Price/DCF (Projected) is ranked higher than
82% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. GBNK: 0.80 )
GBNK' s 10-Year Price/DCF (Projected) Range
Min: 0.12   Max: 0.79
Current: 0.8

0.12
0.79
Price/Median PS Value 1.30
GBNK's Price/Median PS Value is ranked higher than
68% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. GBNK: 1.30 )
GBNK' s 10-Year Price/Median PS Value Range
Min: 0.26   Max: 2.75
Current: 1.3

0.26
2.75
Price/Graham Number 1.20
GBNK's Price/Graham Number is ranked higher than
72% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. GBNK: 1.20 )
GBNK' s 10-Year Price/Graham Number Range
Min: 0.84   Max: 3.38
Current: 1.2

0.84
3.38
Earnings Yield (Greenblatt) 5.50
GBNK's Earnings Yield (Greenblatt) is ranked higher than
69% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. GBNK: 5.50 )
GBNK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 7.2
Current: 5.5

1
7.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Guaranty Bancorp was incorporated in 2004 in Delaware under the name Centennial Bank Holdings, Inc. On May 6, 2008, the stockholders of the Company approved the proposal to change the name of the holding company from Centennial Bank Holdings, Inc. to Guaranty Bancorp. This name change was effective on May 12, 2008. Guaranty Bancorp is a bank holding company. Its principal business is to serve as a holding company for its bank subsidiary, Guaranty Bank and Trust Company ('Bank'). It is a bank holding company providing banking and other financial services throughout its targeted Colorado markets to consumers and to small- and medium-sized businesses, including the owners and employees of those businesses. The Bank offers an array of banking products and services to the communities it serve, including accepting time and demand deposits and originating commercial loans (including energy loans), real estate loans, Small Business Administration guaranteed loans and consumer loans. The Bank is a full-service community bank offering an array of banking products and services to the communities it serves along the Front Range of Colorado, including accepting time and demand deposits and originating commercial loans (including energy loans), real estate loans, and small business and consumer loans. The Bank also provides trust services, including personal trust administration, estate settlement, investment management accounts and self-directed IRAs. Substantially all loans are secured by specific items of collateral, including business assets, consumer assets and commercial and residential real estate. It concentrate its lending activities in the following principal areas: Commercial and Industrial Loans; Commercial Real Estate Loans; Construction Loans; Installment Loans to Individuals and Other Loans; Equity Lines of Credit; Agriculture Loans. It operates 34 branches located in the Denver metropolitan area and throughout Colorado's Northern Front Range. It also competes with brokerage firms, money market funds and issuers of other money market instruments.
» More Articles for GBNK

Headlines

Articles On GuruFocus.com
Guaranty Bancorp Announces Quarterly Cash Dividend Nov 07 2014 
Guaranty Bancorp (GBNK) CEO Daniel M Quinn buys 10,000 Shares Nov 30 2009 
Guaranty Bancorp (GBNK) CFO Paul W Taylor buys 10,000 Shares Nov 30 2009 
Guaranty Bancorp (GBNK) CEO Daniel M Quinn buys 5,000 Shares Nov 09 2009 
Guaranty Bancorp (GBNK) CEO Daniel M Quinn buys 5,000 Shares Nov 04 2009 

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