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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 0.18
GBNK's Cash to Debt is ranked lower than
85% of the 972 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. GBNK: 0.18 )
Ranked among companies with meaningful Cash to Debt only.
GBNK' s 10-Year Cash to Debt Range
Min: 0.17   Max: N/A
Current: 0.18

Equity to Asset 0.10
GBNK's Equity to Asset is ranked higher than
52% of the 1285 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 10-Year Equity to Asset Range
Min: 0.08   Max: 0.22
Current: 0.1

0.08
0.22
Interest Coverage 2.94
GBNK's Interest Coverage is ranked higher than
67% of the 1197 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. GBNK: 2.94 )
Ranked among companies with meaningful Interest Coverage only.
GBNK' s 10-Year Interest Coverage Range
Min: 0.44   Max: 9999.99
Current: 2.94

0.44
9999.99
F-Score: 5
Z-Score: -0.06
WACC vs ROIC
10.63%
4.13%
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 : 2/10

vs
industry
vs
history
Operating margin (%) 24.98
GBNK's Operating margin (%) is ranked lower than
60% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.14 vs. GBNK: 24.98 )
Ranked among companies with meaningful Operating margin (%) only.
GBNK' s 10-Year Operating margin (%) Range
Min: -318.07   Max: 35.88
Current: 24.98

-318.07
35.88
Net-margin (%) 17.01
GBNK's Net-margin (%) is ranked lower than
64% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. GBNK: 17.01 )
Ranked among companies with meaningful Net-margin (%) only.
GBNK' s 10-Year Net-margin (%) Range
Min: -284.69   Max: 125.8
Current: 17.01

-284.69
125.8
ROE (%) 7.38
GBNK's ROE (%) is ranked lower than
56% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. GBNK: 7.38 )
Ranked among companies with meaningful ROE (%) only.
GBNK' s 10-Year ROE (%) Range
Min: -88.49   Max: 16.59
Current: 7.38

-88.49
16.59
ROA (%) 0.73
GBNK's ROA (%) is ranked lower than
55% of the 1352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. GBNK: 0.73 )
Ranked among companies with meaningful ROA (%) only.
GBNK' s 10-Year ROA (%) Range
Min: -11.48   Max: 1.14
Current: 0.73

-11.48
1.14
ROC (Joel Greenblatt) (%) 46.98
GBNK's ROC (Joel Greenblatt) (%) is ranked lower than
64% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.42 vs. GBNK: 46.98 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
GBNK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -395.87   Max: 42.92
Current: 46.98

-395.87
42.92
Revenue Growth (3Y)(%) -10.60
GBNK's Revenue Growth (3Y)(%) is ranked lower than
86% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. GBNK: -10.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
GBNK' s 10-Year Revenue Growth (3Y)(%) Range
Min: -35.2   Max: 6.7
Current: -10.6

-35.2
6.7
EBITDA Growth (3Y)(%) 4.30
GBNK's EBITDA Growth (3Y)(%) is ranked lower than
58% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. GBNK: 4.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
GBNK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -37.9   Max: 14.9
Current: 4.3

-37.9
14.9
» GBNK's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

GBNK Guru Trades in Q4 2014

Jim Simons 87,123 sh (+53.35%)
Columbia Wanger 255,739 sh (unchged)
Chuck Royce 358,898 sh (-11.05%)
» More
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
» 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) 23.20
GBNK's P/E(ttm) is ranked lower than
84% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. GBNK: 23.20 )
Ranked among companies with meaningful P/E(ttm) only.
GBNK' s 10-Year P/E(ttm) Range
Min: 11.87   Max: 70.99
Current: 23.2

11.87
70.99
Forward P/E 14.27
GBNK's Forward P/E is ranked lower than
72% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. GBNK: 14.27 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 23.60
GBNK's PE(NRI) is ranked lower than
84% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. GBNK: 23.60 )
Ranked among companies with meaningful PE(NRI) only.
GBNK' s 10-Year PE(NRI) Range
Min: 12.03   Max: 88.46
Current: 23.6

12.03
88.46
P/B 1.70
GBNK's P/B is ranked lower than
79% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. GBNK: 1.70 )
Ranked among companies with meaningful P/B only.
GBNK' s 10-Year P/B Range
Min: 0.4   Max: 2.37
Current: 1.7

0.4
2.37
P/S 3.90
GBNK's P/S is ranked lower than
73% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. GBNK: 3.90 )
Ranked among companies with meaningful P/S only.
GBNK' s 10-Year P/S Range
Min: 0.71   Max: 7.94
Current: 3.9

0.71
7.94
PFCF 13.40
GBNK's PFCF is ranked lower than
61% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.80 vs. GBNK: 13.40 )
Ranked among companies with meaningful PFCF only.
GBNK' s 10-Year PFCF Range
Min: 1.39   Max: 52.37
Current: 13.4

1.39
52.37
POCF 12.08
GBNK's POCF is ranked lower than
65% of the 961 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. GBNK: 12.08 )
Ranked among companies with meaningful POCF only.
GBNK' s 10-Year POCF Range
Min: 1.37   Max: 43.26
Current: 12.08

1.37
43.26
EV-to-EBIT 22.97
GBNK's EV-to-EBIT is ranked lower than
75% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.34 vs. GBNK: 22.97 )
Ranked among companies with meaningful EV-to-EBIT only.
GBNK' s 10-Year EV-to-EBIT Range
Min: -8.2   Max: 97.2
Current: 22.97

-8.2
97.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.80
GBNK's Dividend Yield is ranked lower than
69% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. GBNK: 1.80 )
Ranked among companies with meaningful Dividend Yield only.
GBNK' s 10-Year Dividend Yield Range
Min: 0.38   Max: 1.59
Current: 1.8

0.38
1.59
Dividend Payout 0.35
GBNK's Dividend Payout is ranked lower than
54% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. GBNK: 0.35 )
Ranked among companies with meaningful Dividend Payout only.
GBNK' s 10-Year Dividend Payout Range
Min: 0.13   Max: 0.88
Current: 0.35

0.13
0.88
Yield on cost (5-Year) 1.80
GBNK's Yield on cost (5-Year) is ranked lower than
73% of the 2099 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. GBNK: 1.80 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
GBNK' s 10-Year Yield on cost (5-Year) Range
Min: 0.38   Max: 1.59
Current: 1.8

0.38
1.59
Share Buyback Rate -17.50
GBNK's Share Buyback Rate is ranked lower than
88% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. GBNK: -17.50 )
Ranked among companies with meaningful Share Buyback Rate only.
GBNK' s 10-Year Share Buyback Rate Range
Min: 3.8   Max: -231.6
Current: -17.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
GBNK's Price/Tangible Book is ranked lower than
70% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. GBNK: 1.70 )
Ranked among companies with meaningful Price/Tangible Book only.
GBNK' s 10-Year Price/Tangible Book Range
Min: 0.61   Max: 5.1
Current: 1.7

0.61
5.1
Price/DCF (Projected) 0.90
GBNK's Price/DCF (Projected) is ranked lower than
61% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. GBNK: 0.90 )
Ranked among companies with meaningful Price/DCF (Projected) only.
GBNK' s 10-Year Price/DCF (Projected) Range
Min: 0.12   Max: 0.91
Current: 0.9

0.12
0.91
Price/Median PS Value 1.40
GBNK's Price/Median PS Value is ranked lower than
74% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. GBNK: 1.40 )
Ranked among companies with meaningful Price/Median PS Value only.
GBNK' s 10-Year Price/Median PS Value Range
Min: 0.26   Max: 2.65
Current: 1.4

0.26
2.65
Price/Graham Number 1.30
GBNK's Price/Graham Number is ranked lower than
78% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. GBNK: 1.30 )
Ranked among companies with meaningful Price/Graham Number only.
GBNK' s 10-Year Price/Graham Number Range
Min: 0.84   Max: 3.38
Current: 1.3

0.84
3.38
Earnings Yield (Greenblatt) 4.70
GBNK's Earnings Yield (Greenblatt) is ranked lower than
66% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. GBNK: 4.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
GBNK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 7.2
Current: 4.7

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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