GFCJ (Guaranty Financial) Debt-to-Equity: 0.15 (As of Dec. 2003)

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What is Guaranty Financial Debt-to-Equity?

Guaranty Financial GFCJ -99.67% Debt-to-Equity is 0.15 as of Dec. 2003.

Guaranty Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2003 was $0.00 Mil. Guaranty Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2003 was $3.07 Mil. Guaranty Financial's Total Stockholders Equity for the quarter that ended in Dec. 2003 was $20.19 Mil. Guaranty Financial's debt to equity for the quarter that ended in Dec. 2003 was 0.15.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Guaranty Financial's Debt-to-Equity or its related term are showing as below:

GFCJ's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.58
* Ranked among companies with meaningful Debt-to-Equity only.

Guaranty Financial  (OTCPK:GFCJ) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Guaranty Financial Debt-to-Equity Related Terms

Guaranty Financial Debt-to-Equity Historical Data

* Premium members only.

The historical data trend for Guaranty Financial's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Guaranty Financial Debt-to-Equity Chart

Guaranty Financial Annual Data
Trend Jun95 Jun96 Dec97 Dec98 Dec99 Dec00 Dec01 Dec02
Debt-to-Equity
Get a 7-Day Free Trial 1.83 1.50 1.00 0.11 0.03

Guaranty Financial Quarterly Data
Mar99 Jun99 Sep99 Dec99 Mar00 Jun00 Sep00 Dec00 Mar01 Jun01 Sep01 Dec01 Mar02 Jun02 Sep02 Dec02 Mar03 Jun03 Sep03 Dec03
Debt-to-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.03 0.03 0.03 0.01 0.15

GFCJ vs OPHC, CCSB, TCNB: Debt-to-Equity Comparison

For the Banks - Regional subindustry, Guaranty Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Guaranty Financial Debt-to-Equity vs Banks Industry

For the Banks industry and Financial Services sector, Guaranty Financial's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Guaranty Financial's Debt-to-Equity falls into.


Guaranty Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Guaranty Financial's Debt to Equity Ratio for the fiscal year that ended in Dec. 2002 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 0.487) / 18.607
=0.03

Guaranty Financial's Debt to Equity Ratio for the quarter that ended in Dec. 2003 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 3.073) / 20.191
=0.15

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Equity →
What does a Debt-to-Equity of 0.15 mean?
Guaranty Financial (GFCJ) has a Debt-to-Equity of 0.15 as of Dec. 2003. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Guaranty Financial and its competitors.
Is Guaranty Financial's Debt-to-Equity too high?
Guaranty Financial's current Debt-to-Equity is 0.15. The Banks industry median Debt-to-Equity is 0.58. Guaranty Financial's value of 0.15 is 74.1% below this industry median.
How does Guaranty Financial's Debt-to-Equity compare to OPHC and CCSB?
Guaranty Financial's Debt-to-Equity of 0.15 can be compared against companies in the Banks industry. The industry median Debt-to-Equity is 0.58. Guaranty Financial's value of 0.15 is 74.1% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Guaranty Financial's current Debt-to-Equity of 0.15 is 74.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Guaranty Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guaranty Financial's current Debt-to-Equity is 0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guaranty Financial stock overvalued right now?
Guaranty Financial (GFCJ) has a current Debt-to-Equity of 0.15. The current Debt-to-Equity is 0.15 and 74.1% below the Banks industry median of 0.58. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Guaranty Financial (GFCJ), the current Debt-to-Equity is 0.15 as of Dec. 2003. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Guaranty Financial Business Description

Address 4000 West Brown Deer Road, Milwaukee, WI, USA, 53209
Guaranty Financial Corp provides a range of commercial & retail banking services. The company's services include checking, savings, money-market, & individual retirement accounts, as well as certificates of deposit. It offers financial services in Wisconsin, Georgia, Illinois, Michigan and Minnesota.