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Also traded in: USA

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 0.09
GBNK's Cash to Debt is ranked lower than
92% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. GBNK: 0.09 )
Ranked among companies with meaningful Cash to Debt only.
GBNK' s Cash to Debt Range Over the Past 10 Years
Min: 0.17  Med: 0.71 Max: No Debt
Current: 0.09
Equity to Asset 0.09
GBNK's Equity to Asset is ranked lower than
58% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. GBNK: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
GBNK' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.10 Max: 0.22
Current: 0.09
0.07
0.22
Interest Coverage 6.30
GBNK's Interest Coverage is ranked higher than
85% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. GBNK: 6.30 )
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: 9999.99
Current: 6.3
0.44
9999.99
F-Score: 5
WACC vs ROIC
8.67%
5.52%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 35.82
GBNK's Operating margin (%) is ranked higher than
63% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. GBNK: 35.82 )
Ranked among companies with meaningful Operating margin (%) only.
GBNK' s Operating margin (%) Range Over the Past 10 Years
Min: -291.91  Med: 8.60 Max: 26.35
Current: 35.82
-291.91
26.35
Net-margin (%) 23.85
GBNK's Net-margin (%) is ranked higher than
55% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. GBNK: 23.85 )
Ranked among companies with meaningful Net-margin (%) only.
GBNK' s Net-margin (%) Range Over the Past 10 Years
Min: -284.69  Med: 8.60 Max: 20.35
Current: 23.85
-284.69
20.35
ROE (%) 10.47
GBNK's ROE (%) is ranked higher than
68% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. GBNK: 10.47 )
Ranked among companies with meaningful ROE (%) only.
GBNK' s ROE (%) Range Over the Past 10 Years
Min: -88.49  Med: -8.12 Max: 8.38
Current: 10.47
-88.49
8.38
ROA (%) 1.00
GBNK's ROA (%) is ranked higher than
62% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. GBNK: 1.00 )
Ranked among companies with meaningful ROA (%) only.
GBNK' s ROA (%) Range Over the Past 10 Years
Min: -11.48  Med: 0.36 Max: 0.86
Current: 1
-11.48
0.86
Revenue Growth (3Y)(%) -100.00
GBNK's Revenue Growth (3Y)(%) is ranked lower than
93% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. GBNK: -100.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
GBNK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: -13.70 Max: 6.7
Current: -100
-100
6.7
EBITDA Growth (3Y)(%) -100.00
GBNK's EBITDA Growth (3Y)(%) is ranked lower than
92% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. GBNK: -100.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
GBNK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: -16.80 Max: 14.9
Current: -100
-100
14.9
EPS Growth (3Y)(%) -100.00
GBNK's EPS Growth (3Y)(%) is ranked lower than
92% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. GBNK: -100.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
GBNK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: -55.40 Max: 5.6
Current: -100
-100
5.6
» GBNK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

GBNK Guru Trades in Q1 2015

Jim Simons 111,420 sh (+27.89%)
Columbia Wanger 255,739 sh (unchged)
Chuck Royce 345,098 sh (-3.85%)
» More
Q2 2015

GBNK Guru Trades in Q2 2015

Jim Simons 152,320 sh (+36.71%)
Columbia Wanger 268,921 sh (+5.15%)
Chuck Royce 361,098 sh (+4.64%)
» More
Q3 2015

GBNK Guru Trades in Q3 2015

Jim Simons 222,820 sh (+46.28%)
Columbia Wanger 310,216 sh (+15.36%)
Chuck Royce 383,400 sh (+6.18%)
» More
Q4 2015

GBNK Guru Trades in Q4 2015

Columbia Wanger 334,893 sh (+7.95%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 18.54
GBNK's P/E(ttm) is ranked lower than
77% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. GBNK: 18.54 )
Ranked among companies with meaningful P/E(ttm) only.
GBNK' s P/E(ttm) Range Over the Past 10 Years
Min: 11.87  Med: 21.29 Max: 70.99
Current: 18.54
11.87
70.99
Forward P/E 11.64
GBNK's Forward P/E is ranked lower than
62% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. GBNK: 11.64 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.44
GBNK's PE(NRI) is ranked lower than
77% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. GBNK: 18.44 )
Ranked among companies with meaningful PE(NRI) only.
GBNK' s PE(NRI) Range Over the Past 10 Years
Min: 12.03  Med: 21.61 Max: 88.46
Current: 18.44
12.03
88.46
P/B 1.51
GBNK's P/B is ranked lower than
82% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. GBNK: 1.51 )
Ranked among companies with meaningful P/B only.
GBNK' s P/B Range Over the Past 10 Years
Min: 0.4  Med: 0.95 Max: 2.37
Current: 1.51
0.4
2.37
P/S 3.54
GBNK's P/S is ranked lower than
64% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. GBNK: 3.54 )
Ranked among companies with meaningful P/S only.
GBNK' s P/S Range Over the Past 10 Years
Min: 0.71  Med: 2.90 Max: 7.94
Current: 3.54
0.71
7.94
PFCF 10.56
GBNK's PFCF is ranked lower than
55% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. GBNK: 10.56 )
Ranked among companies with meaningful PFCF only.
GBNK' s PFCF Range Over the Past 10 Years
Min: 1.39  Med: 9.78 Max: 31.09
Current: 10.56
1.39
31.09
POCF 9.11
GBNK's POCF is ranked lower than
55% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. GBNK: 9.11 )
Ranked among companies with meaningful POCF only.
GBNK' s POCF Range Over the Past 10 Years
Min: 1.37  Med: 9.31 Max: 27.64
Current: 9.11
1.37
27.64
EV-to-EBIT 12.78
GBNK's EV-to-EBIT is ranked higher than
51% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. GBNK: 12.78 )
Ranked among companies with meaningful EV-to-EBIT only.
GBNK' s EV-to-EBIT Range Over the Past 10 Years
Min: -8.2  Med: 18.35 Max: 97.2
Current: 12.78
-8.2
97.2
EV-to-EBITDA 10.82
GBNK's EV-to-EBITDA is ranked higher than
55% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. GBNK: 10.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
GBNK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -12.2  Med: 11.90 Max: 22.4
Current: 10.82
-12.2
22.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.57
GBNK's Dividend Yield is ranked lower than
58% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. GBNK: 2.57 )
Ranked among companies with meaningful Dividend Yield only.
GBNK' s Dividend Yield Range Over the Past 10 Years
Min: 0.38  Med: 1.18 Max: 2.57
Current: 2.57
0.38
2.57
Dividend Payout 0.42
GBNK's Dividend Payout is ranked lower than
63% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. GBNK: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
GBNK' s Dividend Payout Range Over the Past 10 Years
Min: 0.15  Med: 0.23 Max: 0.31
Current: 0.42
0.15
0.31
Forward Dividend Yield 3.04
GBNK's Forward Dividend Yield is ranked lower than
53% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. GBNK: 3.04 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.57
GBNK's Yield on cost (5-Year) is ranked lower than
62% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. GBNK: 2.57 )
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: 1.18 Max: 2.57
Current: 2.57
0.38
2.57
3-Year Average Share Buyback Ratio -1.20
GBNK's 3-Year Average Share Buyback Ratio is ranked higher than
54% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. GBNK: -1.20 )
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: -231.6  Med: -17.50 Max: 3.8
Current: -1.2
-231.6
3.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.56
GBNK's Price/Tangible Book is ranked lower than
76% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. GBNK: 1.56 )
Ranked among companies with meaningful Price/Tangible Book only.
GBNK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.61  Med: 1.36 Max: 4.94
Current: 1.56
0.61
4.94
Price/Projected FCF 0.80
GBNK's Price/Projected FCF is ranked lower than
67% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. GBNK: 0.80 )
Ranked among companies with meaningful Price/Projected FCF only.
GBNK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.51 Max: 0.85
Current: 0.8
0.16
0.85
Price/Median PS Value 1.22
GBNK's Price/Median PS Value is ranked lower than
78% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. GBNK: 1.22 )
Ranked among companies with meaningful Price/Median PS Value only.
GBNK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.32  Med: 0.95 Max: 2.6
Current: 1.22
0.32
2.6
Price/Graham Number 1.01
GBNK's Price/Graham Number is ranked lower than
99.99% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. GBNK: 1.01 )
Ranked among companies with meaningful Price/Graham Number only.
GBNK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.83  Med: 1.25 Max: 3.11
Current: 1.01
0.83
3.11
Earnings Yield (Greenblatt) (%) 7.82
GBNK's Earnings Yield (Greenblatt) (%) is ranked higher than
56% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. GBNK: 7.82 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
GBNK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1  Med: 4.50 Max: 7.82
Current: 7.82
1
7.82

More Statistics

Revenue(Mil) $94
EPS $ 1.06
Beta1.00
Short Percentage of Float2.96%
52-Week Range $12.78 - 17.91
Shares Outstanding(Mil)21.73

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 1.18 1.30
EPS without NRI($) 1.18 1.30

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:GUAA.USA,
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 NAS: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
GUARANTY BANCORP Files SEC form 8-K, Other Events Feb 08 2016
GUARANTY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Feb 03 2016
Guaranty Bancorp Announces 15% Increase in Quarterly Cash Dividend Feb 02 2016
Guaranty Bancorp (Colorado) Earnings Analysis: Q4, 2015 By the Numbers Jan 29 2016
Guaranty Bancorp posts 4Q profit Jan 27 2016
Guaranty Bancorp posts 4Q profit Jan 27 2016
GUARANTY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 27 2016
Guaranty Bancorp Announces 2015 Annual and Fourth Quarter Financial Results Jan 27 2016
Guaranty Bancorp Announces 2015 Annual and Fourth Quarter Financial Results Jan 27 2016
Do Hedge Funds Love Guaranty Bancorp (GBNK)? Dec 13 2015
Guaranty Bancorp (Colorado) breached its 50 day moving average in a Bearish Manner : December 9,... Dec 09 2015
GUARANTY BANCORP Financials Dec 08 2015
GUARANTY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Nov 18 2015
Guaranty Bancorp Announces Quarterly Cash Dividend Nov 10 2015
GUARANTY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Nov 10 2015
Guaranty Bancorp Announces Quarterly Cash Dividend Nov 10 2015
GUARANTY BANCORP Files SEC form 10-Q, Quarterly Report Oct 28 2015
Guaranty Bancorp (Colorado) Earnings Q3, 2015 Oct 21 2015
Guaranty Bancorp Announces 2015 Third Quarter Financial Results Oct 14 2015
GUARANTY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 14 2015

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