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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.30
GFED's Cash to Debt is ranked higher than
61% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. GFED: 0.30 )
GFED' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.3

Equity to Asset 0.09
GFED's Equity to Asset is ranked higher than
67% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. GFED: 0.09 )
GFED' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.3
Current: 0.09

0.06
0.3
Interest Coverage 1.35
GFED's Interest Coverage is ranked higher than
69% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. GFED: 1.35 )
GFED' s 10-Year Interest Coverage Range
Min: 0.07   Max: 1.35
Current: 1.35

0.07
1.35
F-Score: 4
Z-Score: 0.26
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 : 7/10

vs
industry
vs
history
Operating margin (%) 28.04
GFED's Operating margin (%) is ranked higher than
74% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.49 vs. GFED: 28.04 )
GFED' s 10-Year Operating margin (%) Range
Min: -43.59   Max: 49.45
Current: 28.04

-43.59
49.45
Net-margin (%) 22.22
GFED's Net-margin (%) is ranked higher than
77% of the 1772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.32 vs. GFED: 22.22 )
GFED' s 10-Year Net-margin (%) Range
Min: -27.98   Max: 31.58
Current: 22.22

-27.98
31.58
ROE (%) 9.75
GFED's ROE (%) is ranked higher than
81% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. GFED: 9.75 )
GFED' s 10-Year ROE (%) Range
Min: -13.4   Max: 14.96
Current: 9.75

-13.4
14.96
ROA (%) 0.85
GFED's ROA (%) is ranked higher than
76% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. GFED: 0.85 )
GFED' s 10-Year ROA (%) Range
Min: -0.86   Max: 1.29
Current: 0.85

-0.86
1.29
ROC (Joel Greenblatt) (%) 61.95
GFED's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 1746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. GFED: 61.95 )
GFED' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -67.05   Max: 87.5
Current: 61.95

-67.05
87.5
Revenue Growth (%) 4.00
GFED's Revenue Growth (%) is ranked higher than
84% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. GFED: 4.00 )
GFED' s 10-Year Revenue Growth (%) Range
Min: -3.2   Max: 46.3
Current: 4

-3.2
46.3
EBITDA Growth (%) 72.70
GFED's EBITDA Growth (%) is ranked higher than
98% of the 1376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. GFED: 72.70 )
GFED' s 10-Year EBITDA Growth (%) Range
Min: -48   Max: 72.7
Current: 72.7

-48
72.7
» GFED's 10-Y Financials

Financials


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

» Details

Guru Trades

GFED Guru Trades in

GFED Guru Trades in

GFED Guru Trades in

Q2 2014

GFED Guru Trades in Q2 2014

Jim Simons 10,700 sh (New)
» More
» Details

Insider Trades

Latest Guru Trades with GFED

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



No Insider Trades Found!
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Ratios

vs
industry
vs
history
P/E(ttm) 8.50
GFED's P/E(ttm) is ranked higher than
93% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.00 vs. GFED: 8.50 )
GFED' s 10-Year P/E(ttm) Range
Min: 5.63   Max: 373.89
Current: 8.5

5.63
373.89
P/B 0.90
GFED's P/B is ranked higher than
83% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. GFED: 0.90 )
GFED' s 10-Year P/B Range
Min: 0.26   Max: 2.05
Current: 0.9

0.26
2.05
P/S 1.62
GFED's P/S is ranked higher than
91% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. GFED: 1.62 )
GFED' s 10-Year P/S Range
Min: 0.51   Max: 4.67
Current: 1.62

0.51
4.67
PFCF 3.41
GFED's PFCF is ranked higher than
94% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 227.00 vs. GFED: 3.41 )
GFED' s 10-Year PFCF Range
Min: 0.84   Max: 41.29
Current: 3.41

0.84
41.29
EV-to-EBIT 14.82
GFED's EV-to-EBIT is ranked higher than
97% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.15 vs. GFED: 14.82 )
GFED' s 10-Year EV-to-EBIT Range
Min: 2.5   Max: 179.8
Current: 14.82

2.5
179.8
Shiller P/E 128.03
GFED's Shiller P/E is ranked higher than
71% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.31 vs. GFED: 128.03 )
GFED' s 10-Year Shiller P/E Range
Min: 3.26   Max: 1040
Current: 128.03

3.26
1040

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.40
GFED's Dividend Yield is ranked lower than
92% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.39 vs. GFED: 0.40 )
GFED' s 10-Year Dividend Yield Range
Min: 0.39   Max: 5.48
Current: 0.4

0.39
5.48
Dividend Payout 0.04
GFED's Dividend Payout is ranked higher than
99% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. GFED: 0.04 )
GFED' s 10-Year Dividend Payout Range
Min: 0.18   Max: 5
Current: 0.04

0.18
5
Yield on cost (5-Year) 0.40
GFED's Yield on cost (5-Year) is ranked lower than
90% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. GFED: 0.40 )
GFED' s 10-Year Yield on cost (5-Year) Range
Min: 0.39   Max: 5.48
Current: 0.4

0.39
5.48
Share Buyback Rate -2.10
GFED's Share Buyback Rate is ranked higher than
72% of the 1304 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. GFED: -2.10 )
GFED' s 10-Year Share Buyback Rate Range
Min: 24.2   Max: -20.8
Current: -2.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
GFED's Price/Tangible Book is ranked higher than
85% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. GFED: 0.90 )
GFED' s 10-Year Price/Tangible Book Range
Min: 0.32   Max: 2.57
Current: 0.9

0.32
2.57
Price/DCF (Projected) 0.45
GFED's Price/DCF (Projected) is ranked higher than
90% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. GFED: 0.45 )
GFED' s 10-Year Price/DCF (Projected) Range
Min: 0.12   Max: 6.72
Current: 0.45

0.12
6.72
Price/Median PS Value 1.16
GFED's Price/Median PS Value is ranked higher than
71% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. GFED: 1.16 )
GFED' s 10-Year Price/Median PS Value Range
Min: 0.37   Max: 16.97
Current: 1.16

0.37
16.97
Price/Graham Number 0.63
GFED's Price/Graham Number is ranked higher than
89% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. GFED: 0.63 )
GFED' s 10-Year Price/Graham Number Range
Min: 0.23   Max: 2
Current: 0.63

0.23
2
Earnings Yield (Greenblatt) 6.70
GFED's Earnings Yield (Greenblatt) is ranked higher than
96% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. GFED: 6.70 )
GFED' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 39.6
Current: 6.7

0.6
39.6
Forward Rate of Return (Yacktman) 18.12
GFED's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.57 vs. GFED: 18.12 )
GFED' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 12.9   Max: 43.1
Current: 18.12

12.9
43.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Guaranty Federal Bancshares, Inc., is a Delaware-chartered corporation that was formed in September 1997. The Company is a savings and loan holding company for Guaranty Bank, a federal saving bank. The main activity of the Company is to oversee its investment in the bank. The Bank's main business has been, and continues to be, attracting retail deposits from the general public and investing those deposits, together with funds generated from operations, in permanent one-to four-family residential mortgage loans, multi-family residential mortgage loans, construction loans, commercial real estate loans, and consumer and other loans. The Bank also invests in mortgage-backed securities, U.S. Government and federal agency securities and other marketable securities. The Bank offers a variety of deposit accounts having a range of interest rates and terms. The Bank's deposits mainly consist of fixed-term certificates of deposit, passbook savings, money market, individual retirement accounts, and NOW accounts. The Bank's main market area is Greene County, which is in the southwestern corner of Missouri and includes the city of Springfield, Missouri. The Company's main sources of funds are deposits, borrowings including issuances of subordinated debentures, amortization and prepayments of loans and amortization, prepayments and maturities of mortgage-backed securities. The Bank's main competitors are the financial institutions, commercial banks, credit unions, and savings institutions. The Company is subject to regulation and supervision of the Board of Governors of the Federal Reserve System (FRB) under the Bank Holding Company Act of 1956 (BHCA).
» More Articles for GFED

Headlines

Articles On GuruFocus.com
Guaranty Federal Bancshares Inc. Reports Operating Results (10-Q) Aug 13 2010 
Guaranty Federal Bancshares Inc. Reports Operating Results (10-Q) Aug 12 2009 
Guaranty Federal Bancshares Inc. Reports Operating Results (10-Q) May 15 2009 

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