Switch to:

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 : 6/10

vs
industry
vs
history
Cash to Debt 0.88
GBNK's Cash to Debt is ranked lower than
64% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. GBNK: 0.88 )
Ranked among companies with meaningful Cash to Debt only.
GBNK' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.58 Max: N/A
Current: 0.88
Equity to Asset 0.11
GBNK's Equity to Asset is ranked higher than
61% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. GBNK: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
GBNK' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.22
Current: 0.11
0.08
0.22
Interest Coverage 4.31
GBNK's Interest Coverage is ranked higher than
77% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. GBNK: 4.31 )
Ranked among companies with meaningful Interest Coverage only.
GBNK' s Interest Coverage Range Over the Past 10 Years
Min: 0.44  Med: 2.09 Max: 6.3
Current: 4.31
0.44
6.3
F-Score: 5
M-Score: -2.24
WACC vs ROIC
6.27%
5.29%
WACC
ROIC
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 : 5/10

vs
industry
vs
history
Operating margin (%) 34.97
GBNK's Operating margin (%) is ranked higher than
60% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. GBNK: 34.97 )
Ranked among companies with meaningful Operating margin (%) only.
GBNK' s Operating margin (%) Range Over the Past 10 Years
Min: -291.91  Med: 12.33 Max: 35.82
Current: 34.97
-291.91
35.82
Net-margin (%) 22.94
GBNK's Net-margin (%) is ranked higher than
52% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. GBNK: 22.94 )
Ranked among companies with meaningful Net-margin (%) only.
GBNK' s Net-margin (%) Range Over the Past 10 Years
Min: -284.69  Med: 12.2 Max: 23.85
Current: 22.94
-284.69
23.85
ROE (%) 9.17
GBNK's ROE (%) is ranked higher than
56% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. GBNK: 9.17 )
Ranked among companies with meaningful ROE (%) only.
GBNK' s ROE (%) Range Over the Past 10 Years
Min: -88.49  Med: -2.01 Max: 10.48
Current: 9.17
-88.49
10.48
ROA (%) 0.90
GBNK's ROA (%) is ranked higher than
52% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. GBNK: 0.90 )
Ranked among companies with meaningful ROA (%) only.
GBNK' s ROA (%) Range Over the Past 10 Years
Min: -11.48  Med: 0.52 Max: 1
Current: 0.9
-11.48
1
Revenue Growth (3Y)(%) 7.70
GBNK's Revenue Growth (3Y)(%) is ranked higher than
70% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. GBNK: 7.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
GBNK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -35.2  Med: -13.6 Max: 7.7
Current: 7.7
-35.2
7.7
EBITDA Growth (3Y)(%) 28.50
GBNK's EBITDA Growth (3Y)(%) is ranked higher than
87% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. GBNK: 28.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
GBNK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -37.9  Med: 9.65 Max: 28.5
Current: 28.5
-37.9
28.5
EPS Growth (3Y)(%) 13.80
GBNK's EPS Growth (3Y)(%) is ranked higher than
69% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. GBNK: 13.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
GBNK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -65.4  Med: -55.3 Max: 13.8
Current: 13.8
-65.4
13.8
» GBNK's 10-Y Financials

Financials (Next Earnings Date: 2017-01-27)


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

» Details

Guru Trades

Q4 2015

GBNK Guru Trades in Q4 2015

Columbia Wanger 334,893 sh (+7.95%)
Jim Simons 232,520 sh (+4.35%)
Chuck Royce 385,900 sh (+0.65%)
» More
Q1 2016

GBNK Guru Trades in Q1 2016

Columbia Wanger Sold Out
Chuck Royce 378,900 sh (-1.81%)
Jim Simons 219,320 sh (-5.68%)
» More
Q2 2016

GBNK Guru Trades in Q2 2016

Jim Simons 268,820 sh (+22.57%)
Chuck Royce 382,900 sh (+1.06%)
» More
Q3 2016

GBNK Guru Trades in Q3 2016

Jim Simons 286,020 sh (+6.40%)
Chuck Royce 364,900 sh (-4.70%)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US
Compare:NYSE:OFG, NAS:BDGE, NAS:XBKS, NAS:CAC, NAS:LION, NAS:FLIC, NAS:BMTC, NAS:TSC, NAS:THFF, NYSE:FBK, NAS:CACB, NAS:MBWM, NAS:PSTB, NAS:UVSP, NAS:AROW, NAS:HBNC, NAS:PEBO, NAS:COBZ, NAS:FBNC, OTCPK:FMCB » details
Guaranty Bancorp is a bank holding company providing banking and other financial services throughout Colorado market to consumers and to small and medium-sized businesses, including the owners and employees of those businesses.

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. It 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. It offers an array of banking products and services to the communities it serve, including accepting time and demand deposits and originating commercial loans, real estate loans, Small Business Administration guaranteed loans and consumer loans. It 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, real estate loans, and small business and consumer loans. It 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 & residential real estate. It concentrate its lending activities in the following principal areas commercial & industrial loans, commercial real estate loans, construction loans, installment loans to individuals & other loans, equity lines of credit and agriculture loans. It operates 26 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. It is regulated under the BHC Act and is subject to inspection, examination and supervision by the Board of Governors of the Federal Reserve System, or the Federal Reserve Board. It is also under the jurisdiction of the SEC and is subject to the disclosure and regulatory requirements of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended.

Ratios

vs
industry
vs
history
P/E(ttm) 20.19
GBNK's P/E(ttm) is ranked lower than
75% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. GBNK: 20.19 )
Ranked among companies with meaningful P/E(ttm) only.
GBNK' s P/E(ttm) Range Over the Past 10 Years
Min: 7.9  Med: 20.84 Max: 76.67
Current: 20.19
7.9
76.67
Forward P/E 15.58
GBNK's Forward P/E is ranked lower than
53% of the 334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. GBNK: 15.58 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 20.19
GBNK's PE(NRI) is ranked lower than
75% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. GBNK: 20.19 )
Ranked among companies with meaningful PE(NRI) only.
GBNK' s PE(NRI) Range Over the Past 10 Years
Min: 7.9  Med: 21 Max: 86.25
Current: 20.19
7.9
86.25
Price/Owner Earnings (ttm) 16.94
GBNK's Price/Owner Earnings (ttm) is ranked lower than
62% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. GBNK: 16.94 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
GBNK' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.47  Med: 13.3 Max: 27.87
Current: 16.94
4.47
27.87
P/B 1.73
GBNK's P/B is ranked lower than
80% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. GBNK: 1.73 )
Ranked among companies with meaningful P/B only.
GBNK' s P/B Range Over the Past 10 Years
Min: 0.4  Med: 1.01 Max: 2.37
Current: 1.73
0.4
2.37
P/S 4.67
GBNK's P/S is ranked lower than
74% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. GBNK: 4.67 )
Ranked among companies with meaningful P/S only.
GBNK' s P/S Range Over the Past 10 Years
Min: 0.71  Med: 3.04 Max: 7.56
Current: 4.67
0.71
7.56
PFCF 14.90
GBNK's PFCF is ranked lower than
60% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. GBNK: 14.90 )
Ranked among companies with meaningful PFCF only.
GBNK' s PFCF Range Over the Past 10 Years
Min: 1.39  Med: 10.35 Max: 26.46
Current: 14.9
1.39
26.46
POCF 14.14
GBNK's POCF is ranked lower than
64% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. GBNK: 14.14 )
Ranked among companies with meaningful POCF only.
GBNK' s POCF Range Over the Past 10 Years
Min: 1.38  Med: 9.48 Max: 21.87
Current: 14.14
1.38
21.87
EV-to-EBIT 18.06
GBNK's EV-to-EBIT is ranked lower than
68% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. GBNK: 18.06 )
Ranked among companies with meaningful EV-to-EBIT only.
GBNK' s EV-to-EBIT Range Over the Past 10 Years
Min: -8.2  Med: 17.8 Max: 97.2
Current: 18.06
-8.2
97.2
EV-to-EBITDA 16.27
GBNK's EV-to-EBITDA is ranked lower than
68% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. GBNK: 16.27 )
Ranked among companies with meaningful EV-to-EBITDA only.
GBNK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -12.2  Med: 11.9 Max: 22.4
Current: 16.27
-12.2
22.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.18
GBNK's Dividend Yield is ranked lower than
62% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. GBNK: 2.18 )
Ranked among companies with meaningful Dividend Yield only.
GBNK' s Dividend Yield Range Over the Past 10 Years
Min: 0.38  Med: 1.47 Max: 2.75
Current: 2.18
0.38
2.75
Dividend Payout 0.42
GBNK's Dividend Payout is ranked lower than
66% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. GBNK: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
GBNK' s Dividend Payout Range Over the Past 10 Years
Min: 0.13  Med: 0.36 Max: 1
Current: 0.42
0.13
1
Forward Dividend Yield 2.14
GBNK's Forward Dividend Yield is ranked lower than
67% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. GBNK: 2.14 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.18
GBNK's Yield on cost (5-Year) is ranked lower than
72% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. GBNK: 2.18 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
GBNK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.38  Med: 1.47 Max: 2.75
Current: 2.18
0.38
2.75
3-Year Average Share Buyback Ratio -0.80
GBNK's 3-Year Average Share Buyback Ratio is ranked higher than
60% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. GBNK: -0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
GBNK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -236.2  Med: -22.8 Max: 3.5
Current: -0.8
-236.2
3.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.17
GBNK's Price/Tangible Book is ranked lower than
83% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. GBNK: 2.17 )
Ranked among companies with meaningful Price/Tangible Book only.
GBNK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.51  Med: 1.54 Max: 4.94
Current: 2.17
0.51
4.94
Price/Projected FCF 0.92
GBNK's Price/Projected FCF is ranked lower than
66% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. GBNK: 0.92 )
Ranked among companies with meaningful Price/Projected FCF only.
GBNK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.12  Med: 0.54 Max: 0.92
Current: 0.92
0.12
0.92
Price/Median PS Value 1.53
GBNK's Price/Median PS Value is ranked lower than
83% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. GBNK: 1.53 )
Ranked among companies with meaningful Price/Median PS Value only.
GBNK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.24  Med: 1.03 Max: 2.39
Current: 1.53
0.24
2.39
Price/Graham Number 1.39
GBNK's Price/Graham Number is ranked lower than
80% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. GBNK: 1.39 )
Ranked among companies with meaningful Price/Graham Number only.
GBNK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.72  Med: 1.24 Max: 3.06
Current: 1.39
0.72
3.06
Earnings Yield (Greenblatt) (%) 5.50
GBNK's Earnings Yield (Greenblatt) (%) is ranked lower than
51% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. GBNK: 5.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
GBNK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1  Med: 4.9 Max: 8.2
Current: 5.5
1
8.2

More Statistics

Revenue (TTM) (Mil) $99.71
EPS (TTM) $ 1.06
Beta0.78
Short Percentage of Float1.28%
52-Week Range $13.92 - 21.75
Shares Outstanding (Mil)28.35

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.10 1.38 1.50
EPS w/o NRI ($) 1.10 1.38 1.50
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.46 0.48 0.50
» More Articles for GBNK

Headlines

Articles On GuruFocus.com
Columbia Wanger Continues to Buy Hertz, Fossil Jan 28 2016 
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 

More From Other Websites
Insider Selling Jumps as Markets Remain Near All-Time Highs: Las Vegas Sands, Invesco, EOG... Dec 03 2016
GUARANTY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Nov 28 2016
GUARANTY BANCORP Financials Nov 17 2016
GUARANTY BANCORP Files SEC form 10-Q, Quarterly Report Nov 09 2016
Guaranty Bancorp Announces Quarterly Cash Dividend Nov 08 2016
Guaranty Bancorp Announces Quarterly Cash Dividend Nov 08 2016
ETF’s with exposure to Guaranty Bancorp (Colorado) : October 31, 2016 Oct 31 2016
Guaranty Bancorp (Colorado) :GBNK-US: Earnings Analysis: Q3, 2016 By the Numbers : October 28, 2016 Oct 28 2016
Guaranty Bancorp upgraded by Sandler O'Neill Oct 27 2016
Guaranty Bancorp posts 3Q profit Oct 26 2016
Guaranty Bancorp posts 3Q profit Oct 26 2016
GUARANTY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 26 2016
Guaranty Bancorp Announces 2016 Third Quarter Financial Results Oct 26 2016
Guaranty Bancorp Announces 2016 Third Quarter Financial Results Oct 26 2016
Guaranty Bancorp (Colorado) breached its 50 day moving average in a Bullish Manner : GBNK-US :... Oct 25 2016
Guaranty Bancorp (Colorado) : GBNK-US: Dividend Analysis : August 22nd, 2016 (record date) : By the... Oct 21 2016
Guaranty Bancorp (Colorado) breached its 50 day moving average in a Bearish Manner : GBNK-US :... Oct 12 2016
ETF’s with exposure to Guaranty Bancorp (Colorado) : September 27, 2016 Sep 27 2016
Guaranty Bancorp (Colorado) breached its 50 day moving average in a Bearish Manner : GBNK-US :... Sep 27 2016
Guaranty Bancorp (Colorado) breached its 50 day moving average in a Bullish Manner : GBNK-US :... Sep 16 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)