Guaranty Bancorp
Guaranty Bancorp Fundamental Analysis
Guaranty Bancorp (GBNK) shows moderate financial fundamentals with a PE ratio of 15.07, profit margin of 26.41%, and ROE of 10.20%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 52.7/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze GBNK's fundamental strength across five key dimensions:
Efficiency Score
WeakGBNK struggles to generate sufficient returns from assets.
Valuation Score
ExcellentGBNK trades at attractive valuation levels.
Growth Score
WeakGBNK faces weak or negative growth trends.
Financial Health Score
ModerateGBNK shows balanced financial health with some risks.
Profitability Score
WeakGBNK struggles to sustain strong margins.
Key Financial Metrics
Is GBNK Expensive or Cheap?
P/E Ratio
GBNK trades at 15.07 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, GBNK's PEG of 0.15 indicates potential undervaluation.
Price to Book
The market values Guaranty Bancorp at 1.44 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.00 times EBITDA. This is generally considered low.
How Well Does GBNK Make Money?
Net Profit Margin
For every $100 in sales, Guaranty Bancorp keeps $26.41 as profit after all expenses.
Operating Margin
Core operations generate 39.97 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.20 in profit for every $100 of shareholder equity.
ROA
Guaranty Bancorp generates $1.04 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $1.79 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.07
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.15
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.44
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.72
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.30
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How GBNK Stacks Against Its Sector Peers
| Metric | GBNK Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.07 | 18.56 | Better (Cheaper) |
| ROE | 10.20% | 828.00% | Weak |
| Net Margin | 26.41% | 2518.00% | Weak |
| Debt/Equity | 0.72 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.30 | 663.54 | Weak Liquidity |
| ROA | 1.04% | -21156.00% (disorted) | Weak |
GBNK outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Guaranty Bancorp's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical