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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.11
GBNK's Cash to Debt is ranked lower than
92% of the 1456 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. GBNK: 0.11 )
Ranked among companies with meaningful Cash to Debt only.
GBNK' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.55 Max: N/A
Current: 0.11
Equity to Asset 0.10
GBNK's Equity to Asset is ranked higher than
51% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. GBNK: 0.10 )
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: 0.1
0.08
0.22
Interest Coverage 5.03
GBNK's Interest Coverage is ranked higher than
80% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.71 vs. GBNK: 5.03 )
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: 5.03
0.44
6.3
F-Score: 5
M-Score: -2.42
WACC vs ROIC
5.75%
5.18%
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 (%) 36.42
GBNK's Operating margin (%) is ranked higher than
63% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.90 vs. GBNK: 36.42 )
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: 36.42
Current: 36.42
-291.91
36.42
Net-margin (%) 24.06
GBNK's Net-margin (%) is ranked higher than
56% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.30 vs. GBNK: 24.06 )
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: 24.06
Current: 24.06
-284.69
24.06
ROE (%) 10.41
GBNK's ROE (%) is ranked higher than
65% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. GBNK: 10.41 )
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: 10.41
-88.49
10.48
ROA (%) 0.99
GBNK's ROA (%) is ranked higher than
59% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. GBNK: 0.99 )
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: 0.99
-11.48
1
Revenue Growth (3Y)(%) 7.70
GBNK's Revenue Growth (3Y)(%) is ranked higher than
70% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 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 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 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 1206 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 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: Est. 2016-10-14)


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

» Details

Guru Trades

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%)
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
» 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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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:QCRH, NAS:BHBK, NAS:FFWM, NAS:FBNC, NAS:FCBC, NAS:HBNC, NAS:HTBK, NAS:ACBI, NYSE:SCNB, NAS:FISI, NYSE:BNK, NAS:HMPR, NAS:MSBI, NAS:TSC, NAS:AROW, OTCPK:HBIA, NAS:GNBC, NAS:SNBC, NAS:CUNB, NAS:OKSB » 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) 16.73
GBNK's P/E(ttm) is ranked lower than
68% of the 1491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. GBNK: 16.73 )
Ranked among companies with meaningful P/E(ttm) only.
GBNK' s P/E(ttm) Range Over the Past 10 Years
Min: 7.9  Med: 21.06 Max: 76.67
Current: 16.73
7.9
76.67
Forward P/E 15.87
GBNK's Forward P/E is ranked lower than
69% of the 370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.85 vs. GBNK: 15.87 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.73
GBNK's PE(NRI) is ranked lower than
68% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.36 vs. GBNK: 16.73 )
Ranked among companies with meaningful PE(NRI) only.
GBNK' s PE(NRI) Range Over the Past 10 Years
Min: 7.9  Med: 21.15 Max: 86.25
Current: 16.73
7.9
86.25
Price/Owner Earnings (ttm) 14.42
GBNK's Price/Owner Earnings (ttm) is ranked lower than
59% of the 838 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.83 vs. GBNK: 14.42 )
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: 13.03 Max: 27.87
Current: 14.42
4.47
27.87
P/B 1.65
GBNK's P/B is ranked lower than
82% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. GBNK: 1.65 )
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: 3.5
Current: 1.65
0.4
3.5
P/S 4.05
GBNK's P/S is ranked lower than
71% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. GBNK: 4.05 )
Ranked among companies with meaningful P/S only.
GBNK' s P/S Range Over the Past 10 Years
Min: 0.71  Med: 2.98 Max: 7.62
Current: 4.05
0.71
7.62
PFCF 12.62
GBNK's PFCF is ranked lower than
61% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. GBNK: 12.62 )
Ranked among companies with meaningful PFCF only.
GBNK' s PFCF Range Over the Past 10 Years
Min: 1.39  Med: 10.22 Max: 26.66
Current: 12.62
1.39
26.66
POCF 11.74
GBNK's POCF is ranked lower than
65% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.12 vs. GBNK: 11.74 )
Ranked among companies with meaningful POCF only.
GBNK' s POCF Range Over the Past 10 Years
Min: 1.38  Med: 9.35 Max: 21.87
Current: 11.74
1.38
21.87
EV-to-EBIT 18.70
GBNK's EV-to-EBIT is ranked lower than
69% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.74 vs. GBNK: 18.70 )
Ranked among companies with meaningful EV-to-EBIT only.
GBNK' s EV-to-EBIT Range Over the Past 10 Years
Min: -8.2  Med: 17.9 Max: 97.2
Current: 18.7
-8.2
97.2
EV-to-EBITDA 16.73
GBNK's EV-to-EBITDA is ranked lower than
68% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. GBNK: 16.73 )
Ranked among companies with meaningful EV-to-EBITDA only.
GBNK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -12.2  Med: 12 Max: 22.4
Current: 16.73
-12.2
22.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.44
GBNK's Dividend Yield is ranked lower than
59% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. GBNK: 2.44 )
Ranked among companies with meaningful Dividend Yield only.
GBNK' s Dividend Yield Range Over the Past 10 Years
Min: 0.38  Med: 1.39 Max: 2.75
Current: 2.44
0.38
2.75
Dividend Payout 0.40
GBNK's Dividend Payout is ranked lower than
61% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. GBNK: 0.40 )
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: 0.4
0.13
1
Forward Dividend Yield 2.52
GBNK's Forward Dividend Yield is ranked lower than
62% of the 2090 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. GBNK: 2.52 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.47
GBNK's Yield on cost (5-Year) is ranked lower than
65% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.48 vs. GBNK: 2.47 )
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: 1.39 Max: 2.75
Current: 2.47
0.38
2.75
3-Year Average Share Buyback Ratio 20.00
GBNK's 3-Year Average Share Buyback Ratio is ranked higher than
99% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. GBNK: 20.00 )
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: 20
Current: 20
-236.2
20

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.68
GBNK's Price/Tangible Book is ranked lower than
76% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. GBNK: 1.68 )
Ranked among companies with meaningful Price/Tangible Book only.
GBNK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.51  Med: 1.56 Max: 4.94
Current: 1.68
0.51
4.94
Price/Projected FCF 0.96
GBNK's Price/Projected FCF is ranked lower than
76% of the 847 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. GBNK: 0.96 )
Ranked among companies with meaningful Price/Projected FCF only.
GBNK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.13  Med: 0.56 Max: 0.96
Current: 0.96
0.13
0.96
Price/Median PS Value 1.35
GBNK's Price/Median PS Value is ranked lower than
82% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. GBNK: 1.35 )
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: 2.43
Current: 1.35
0.24
2.43
Price/Graham Number 1.11
GBNK's Price/Graham Number is ranked lower than
72% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. GBNK: 1.11 )
Ranked among companies with meaningful Price/Graham Number only.
GBNK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.72  Med: 1.29 Max: 3.06
Current: 1.11
0.72
3.06
Earnings Yield (Greenblatt) (%) 5.30
GBNK's Earnings Yield (Greenblatt) (%) is ranked lower than
55% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. GBNK: 5.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
GBNK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1  Med: 4.7 Max: 7.2
Current: 5.3
1
7.2

More Statistics

Revenue (TTM) (Mil) $96.06
EPS (TTM) $ 1.09
Beta0.91
Short Percentage of Float1.90%
52-Week Range $13.92 - 18.42
Shares Outstanding (Mil)21.79

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.15 1.38
EPS w/o NRI ($) 1.15 1.38
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.46 0.48
» 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
GUARANTY BANCORP Financials Aug 13 2016
GUARANTY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Aug 11 2016
Guaranty Bancorp Announces Quarterly Cash Dividend Aug 10 2016
Guaranty Bancorp Announces Quarterly Cash Dividend Aug 10 2016
GUARANTY BANCORP Files SEC form 10-Q, Quarterly Report Aug 04 2016
GUARANTY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Aug 01 2016
Guaranty Bancorp (Colorado) :GBNK-US: Earnings Analysis: Q2, 2016 By the Numbers : July 26, 2016 Jul 26 2016
Guaranty Bancorp posts 2Q profit Jul 20 2016
Guaranty Bancorp posts 2Q profit Jul 20 2016
GUARANTY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 20 2016
Guaranty Bancorp Announces 2016 Second Quarter Financial Results Jul 20 2016
GUARANTY BANCORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Other Events,... Jul 18 2016
GUARANTY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jul 13 2016
ETF’s with exposure to Guaranty Bancorp (Colorado) : July 1, 2016 Jul 01 2016
Guaranty Bancorp (Colorado) breached its 50 day moving average in a Bullish Manner : GBNK-US : June... Jun 30 2016
Guaranty Bancorp (Colorado) :GBNK-US: Earnings Analysis: Q1, 2016 By the Numbers : June 28, 2016 Jun 28 2016
Guaranty Bancorp (Colorado) breached its 50 day moving average in a Bearish Manner : GBNK-US : June... Jun 01 2016
GUARANTY BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders, Regulation... May 04 2016
Guaranty Bancorp Announces Quarterly Cash Dividend May 03 2016
Guaranty Bancorp Announces Quarterly Cash Dividend May 03 2016

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