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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 0.21
GBNK's Cash-to-Debt is ranked lower than
88% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.09 vs. GBNK: 0.21 )
Ranked among companies with meaningful Cash-to-Debt only.
GBNK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.47 Max: No Debt
Current: 0.21
Equity-to-Asset 0.11
GBNK's Equity-to-Asset is ranked higher than
62% of the 1580 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
Debt-to-Equity 0.62
GBNK's Debt-to-Equity is ranked higher than
50% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. GBNK: 0.62 )
Ranked among companies with meaningful Debt-to-Equity only.
GBNK' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12  Med: 0.86 Max: 1.38
Current: 0.62
0.12
1.38
Interest Coverage 4.00
GBNK's Interest Coverage is ranked higher than
74% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.74 vs. GBNK: 4.00 )
Ranked among companies with meaningful Interest Coverage only.
GBNK' s Interest Coverage Range Over the Past 10 Years
Min: 0.44  Med: 2.91 Max: 6.3
Current: 4
0.44
6.3
Beneish M-Score: -2.00
WACC vs ROIC
4.96%
6.64%
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 : 4/10

vs
industry
vs
history
Operating Margin % 36.92
GBNK's Operating Margin % is ranked higher than
58% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. GBNK: 36.92 )
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: 36.92
Current: 36.92
-291.91
36.92
Net Margin % 25.37
GBNK's Net Margin % is ranked higher than
54% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.82 vs. GBNK: 25.37 )
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: 25.37
Current: 25.37
-284.69
25.37
ROE % 10.08
GBNK's ROE % is ranked higher than
58% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.56 vs. GBNK: 10.08 )
Ranked among companies with meaningful ROE % only.
GBNK' s ROE % Range Over the Past 10 Years
Min: -88.49  Med: -0.65 Max: 10.48
Current: 10.08
-88.49
10.48
ROA % 1.05
GBNK's ROA % is ranked higher than
56% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. GBNK: 1.05 )
Ranked among companies with meaningful ROA % only.
GBNK' s ROA % Range Over the Past 10 Years
Min: -11.48  Med: 0.52 Max: 1.05
Current: 1.05
-11.48
1.05
3-Year Revenue Growth Rate 8.00
GBNK's 3-Year Revenue Growth Rate is ranked higher than
68% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. GBNK: 8.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
GBNK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -35.2  Med: -13.3 Max: 8
Current: 8
-35.2
8
3-Year EBITDA Growth Rate 12.90
GBNK's 3-Year EBITDA Growth Rate is ranked higher than
69% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. GBNK: 12.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
GBNK' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -37.9  Med: 12.9 Max: 28.5
Current: 12.9
-37.9
28.5
3-Year EPS without NRI Growth Rate 16.20
GBNK's 3-Year EPS without NRI Growth Rate is ranked higher than
74% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. GBNK: 16.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
GBNK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -65.4  Med: -45.05 Max: 16.2
Current: 16.2
-65.4
16.2
GuruFocus has detected 3 Warning Signs with Guaranty Bancorp $GBNK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» GBNK's 30-Y Financials

Financials (Next Earnings Date: 2017-10-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

GBNK Guru Trades in Q3 2016

Jim Simons 286,020 sh (+6.40%)
Chuck Royce 364,900 sh (-4.70%)
» More
Q4 2016

GBNK Guru Trades in Q4 2016

Jim Simons 432,441 sh (+51.19%)
Chuck Royce 338,400 sh (-7.26%)
» More
Q1 2017

GBNK Guru Trades in Q1 2017

Jim Simons 419,620 sh (-2.96%)
Chuck Royce 302,900 sh (-10.49%)
» More
Q2 2017

GBNK Guru Trades in Q2 2017

Jim Simons 532,320 sh (+26.86%)
Chuck Royce 299,900 sh (-0.99%)
» More
» Details

Insider Trades

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:CNOB, NAS:COBZ, NAS:ORIT, NAS:SGBK, NAS:GSBC, NAS:CTBI, NAS:FLIC, NAS:RBCAA, NAS:NFBK, NAS:PFBC, NAS:BMTC, NAS:GNBC, NAS:TRST, NAS:FBNC, NAS:GABC, NAS:SYBT, NAS:UVSP, NAS:CUNB, NAS:TCBK, NAS:HFWA » details
Headquarter Location:USA
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
PE Ratio 21.45
GBNK's PE Ratio is ranked lower than
83% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. GBNK: 21.45 )
Ranked among companies with meaningful PE Ratio only.
GBNK' s PE Ratio Range Over the Past 10 Years
Min: 7.9  Med: 20.58 Max: 76.67
Current: 21.45
7.9
76.67
Forward PE Ratio 16.58
GBNK's Forward PE Ratio is ranked lower than
81% of the 382 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.05 vs. GBNK: 16.58 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 21.45
GBNK's PE Ratio without NRI is ranked lower than
83% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. GBNK: 21.45 )
Ranked among companies with meaningful PE Ratio without NRI only.
GBNK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.9  Med: 20.65 Max: 86.25
Current: 21.45
7.9
86.25
Price-to-Owner-Earnings 18.88
GBNK's Price-to-Owner-Earnings is ranked lower than
85% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. GBNK: 18.88 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
GBNK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.9  Med: 13.53 Max: 27.87
Current: 18.88
6.9
27.87
PB Ratio 2.05
GBNK's PB Ratio is ranked lower than
89% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. GBNK: 2.05 )
Ranked among companies with meaningful PB Ratio only.
GBNK' s PB Ratio Range Over the Past 10 Years
Min: 0.4  Med: 1.08 Max: 2.37
Current: 2.05
0.4
2.37
PS Ratio 5.42
GBNK's PS Ratio is ranked lower than
83% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. GBNK: 5.42 )
Ranked among companies with meaningful PS Ratio only.
GBNK' s PS Ratio Range Over the Past 10 Years
Min: 0.71  Med: 3.04 Max: 5.65
Current: 5.42
0.71
5.65
Price-to-Free-Cash-Flow 18.21
GBNK's Price-to-Free-Cash-Flow is ranked lower than
83% of the 856 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. GBNK: 18.21 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
GBNK' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.39  Med: 10.19 Max: 29.01
Current: 18.21
1.39
29.01
Price-to-Operating-Cash-Flow 17.67
GBNK's Price-to-Operating-Cash-Flow is ranked lower than
86% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.46 vs. GBNK: 17.67 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
GBNK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.38  Med: 9.53 Max: 25.78
Current: 17.67
1.38
25.78
EV-to-EBIT 19.22
GBNK's EV-to-EBIT is ranked lower than
77% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. GBNK: 19.22 )
Ranked among companies with meaningful EV-to-EBIT only.
GBNK' s EV-to-EBIT Range Over the Past 10 Years
Min: -8.2  Med: 17.75 Max: 97.2
Current: 19.22
-8.2
97.2
EV-to-EBITDA 17.33
GBNK's EV-to-EBITDA is ranked lower than
77% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. GBNK: 17.33 )
Ranked among companies with meaningful EV-to-EBITDA only.
GBNK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -12.2  Med: 13.5 Max: 22.6
Current: 17.33
-12.2
22.6
EV-to-Revenue 7.10
GBNK's EV-to-Revenue is ranked lower than
82% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.86 vs. GBNK: 7.10 )
Ranked among companies with meaningful EV-to-Revenue only.
GBNK' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.9  Med: 3.9 Max: 8.4
Current: 7.1
0.9
8.4
PEG Ratio 1.45
GBNK's PEG Ratio is ranked lower than
54% of the 821 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. GBNK: 1.45 )
Ranked among companies with meaningful PEG Ratio only.
GBNK' s PEG Ratio Range Over the Past 10 Years
Min: 1.03  Med: 1.17 Max: 1.45
Current: 1.45
1.03
1.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.84
GBNK's Dividend Yield % is ranked lower than
70% of the 2354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. GBNK: 1.84 )
Ranked among companies with meaningful Dividend Yield % only.
GBNK' s Dividend Yield % Range Over the Past 10 Years
Min: 0.38  Med: 1.8 Max: 2.75
Current: 1.84
0.38
2.75
Dividend Payout Ratio 0.39
GBNK's Dividend Payout Ratio is ranked lower than
64% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. GBNK: 0.39 )
Ranked among companies with meaningful Dividend Payout Ratio only.
GBNK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.15  Med: 0.35 Max: 0.44
Current: 0.39
0.15
0.44
3-Year Dividend Growth Rate 66.30
GBNK's 3-Year Dividend Growth Rate is ranked higher than
97% of the 794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. GBNK: 66.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
GBNK' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 66.3
Current: 66.3
0
66.3
Forward Dividend Yield % 1.88
GBNK's Forward Dividend Yield % is ranked lower than
74% of the 2231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. GBNK: 1.88 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.84
GBNK's 5-Year Yield-on-Cost % is ranked lower than
76% of the 2778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.98 vs. GBNK: 1.84 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
GBNK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.38  Med: 1.8 Max: 2.75
Current: 1.84
0.38
2.75
3-Year Average Share Buyback Ratio -10.00
GBNK's 3-Year Average Share Buyback Ratio is ranked lower than
76% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. GBNK: -10.00 )
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: -16.4 Max: 3.5
Current: -10
-236.2
3.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.55
GBNK's Price-to-Tangible-Book is ranked lower than
92% of the 1573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. GBNK: 2.55 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
GBNK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.51  Med: 1.56 Max: 4.94
Current: 2.55
0.51
4.94
Price-to-Intrinsic-Value-Projected-FCF 1.20
GBNK's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
85% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. GBNK: 1.20 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
GBNK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.12  Med: 0.59 Max: 1.33
Current: 1.2
0.12
1.33
Price-to-Median-PS-Value 1.79
GBNK's Price-to-Median-PS-Value is ranked lower than
91% of the 1527 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. GBNK: 1.79 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
GBNK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.24  Med: 1.06 Max: 2.49
Current: 1.79
0.24
2.49
Price-to-Peter-Lynch-Fair-Value 1.09
GBNK's Price-to-Peter-Lynch-Fair-Value is ranked lower than
56% of the 451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. GBNK: 1.09 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
GBNK' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.09  Med: 1.17 Max: 1.37
Current: 1.09
1.09
1.37
Price-to-Graham-Number 1.56
GBNK's Price-to-Graham-Number is ranked lower than
91% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. GBNK: 1.56 )
Ranked among companies with meaningful Price-to-Graham-Number only.
GBNK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.72  Med: 1.26 Max: 3.06
Current: 1.56
0.72
3.06
Earnings Yield (Greenblatt) % 5.19
GBNK's Earnings Yield (Greenblatt) % is ranked lower than
59% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.91 vs. GBNK: 5.19 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
GBNK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -156.9  Med: 4.1 Max: 8.2
Current: 5.19
-156.9
8.2
Forward Rate of Return (Yacktman) % 24.93
GBNK's Forward Rate of Return (Yacktman) % is ranked higher than
74% of the 934 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. GBNK: 24.93 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
GBNK' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 10.5  Med: 25 Max: 71.4
Current: 24.93
10.5
71.4

More Statistics

Revenue (TTM) (Mil) $131.92
EPS (TTM) $ 1.24
Beta0.62
Short Percentage of Float2.73%
52-Week Range $16.95 - 28.10
Shares Outstanding (Mil)28.41

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 143 156
EPS ($) 1.45 1.61
EPS without NRI ($) 1.45 1.61
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($) 0.50 0.53

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