Logo image of GFED

GUARANTY FEDERAL BNCSHS INC (GFED) Stock Fundamental Analysis

NASDAQ:GFED - Nasdaq - Common Stock

31.43  -0.16 (-0.51%)

Fundamental Rating

2

Taking everything into account, GFED scores 2 out of 10 in our fundamental rating. GFED was compared to 0 industry peers in the Thrifts & Mortgage Finance industry. GFED may be in some trouble as it scores bad on both profitability and health. GFED is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

0

1. Profitability

1.1 Basic Checks

GFED had positive earnings in the past year.
GFED Yearly Net Income VS EBIT VS OCF VS FCFGFED Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 5M 10M 15M

1.2 Ratios

Industry RankSector Rank
ROA 0.91%
ROE 10.92%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
GFED Yearly ROA, ROE, ROICGFED Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2 4 6 8 10

1.3 Margins

GFED does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 22.01%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
GFED Yearly Profit, Operating, Gross MarginsGFED Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 5 10 15 20

More info and screens

1

2. Health

2.1 Basic Checks

Compared to 1 year ago, GFED has less shares outstanding
GFED has a better debt/assets ratio than last year.
GFED Yearly Shares OutstandingGFED Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 1M 2M 3M 4M
GFED Yearly Total Debt VS Total AssetsGFED Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M 1B

2.2 Solvency

A Debt/Equity ratio of 0.31 indicates that GFED is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
GFED Yearly LT Debt VS Equity VS FCFGFED Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

More info and screens

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 53.80% over the past year.
Measured over the past years, GFED shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.04% on average per year.
GFED shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.02%.
The Revenue has been growing by 13.14% on average over the past years. This is quite good.
EPS 1Y (TTM)53.8%
EPS 3Y3.69%
EPS 5Y14.04%
EPS Q2Q%163.64%
Revenue 1Y (TTM)17.02%
Revenue growth 3Y6.63%
Revenue growth 5Y13.14%
Sales Q2Q%15.29%

3.2 Future

GFED is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.94% yearly.
Based on estimates for the next years, GFED will show a small growth in Revenue. The Revenue will grow by 2.77% on average per year.
EPS Next Y-14.37%
EPS Next 2Y-4.34%
EPS Next 3Y-5.05%
EPS Next 5Y-4.94%
Revenue Next Year2.22%
Revenue Next 2Y3.28%
Revenue Next 3Y2.6%
Revenue Next 5Y2.77%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
GFED Yearly Revenue VS EstimatesGFED Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
GFED Yearly EPS VS EstimatesGFED Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.93, the valuation of GFED can be described as correct.
GFED is valuated cheaply when we compare the Price/Earnings ratio to 27.35, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 15.10, which indicates a correct valuation of GFED.
GFED is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.54, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.93
Fwd PE 15.1
GFED Price Earnings VS Forward Price EarningsGFED Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
GFED Per share dataGFED EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

GFED's earnings are expected to decrease with -5.05% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.92
EPS Next 2Y-4.34%
EPS Next 3Y-5.05%

More info and screens

4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.90%, GFED has a reasonable but not impressive dividend return.
GFED's Dividend Yield is comparable with the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 1.9%

5.2 History

The dividend of GFED is nicely growing with an annual growth rate of 6.98%!
GFED has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)6.98%
Div Incr YearsN/A
Div Non Decr YearsN/A
GFED Yearly Dividends per shareGFED Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

24.69% of the earnings are spent on dividend by GFED. This is a low number and sustainable payout ratio.
DP24.69%
EPS Next 2Y-4.34%
EPS Next 3Y-5.05%
GFED Yearly Income VS Free CF VS DividendGFED Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 5M 10M 15M
GFED Dividend Payout.GFED Dividend Payout, showing the Payout Ratio.GFED Dividend Payout.PayoutRetained Earnings

More info and screens

GUARANTY FEDERAL BNCSHS INC

NASDAQ:GFED (3/31/2022, 8:00:01 PM)

31.43

-0.16 (-0.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryThrifts & Mortgage Finance
Earnings (Last)01-20 2022-01-20/bmo
Earnings (Next)04-20 2022-04-20
Inst Owners0.09%
Inst Owner Change-83.76%
Ins Owners22.84%
Ins Owner Change0%
Market Cap137.66M
Analysts82.86
Price Target37.74 (20.08%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.9%
Yearly Dividend0.6
Dividend Growth(5Y)6.98%
DP24.69%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 12.93
Fwd PE 15.1
P/S 2.85
P/FCF N/A
P/OCF N/A
P/B 1.41
P/tB N/A
EV/EBITDA N/A
EPS(TTM)2.43
EY7.73%
EPS(NY)2.08
Fwd EY6.62%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11.04
BVpS22.25
TBVpSN/A
PEG (NY)N/A
PEG (5Y)0.92
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 10.92%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.01%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)53.8%
EPS 3Y3.69%
EPS 5Y14.04%
EPS Q2Q%163.64%
EPS Next Y-14.37%
EPS Next 2Y-4.34%
EPS Next 3Y-5.05%
EPS Next 5Y-4.94%
Revenue 1Y (TTM)17.02%
Revenue growth 3Y6.63%
Revenue growth 5Y13.14%
Sales Q2Q%15.29%
Revenue Next Year2.22%
Revenue Next 2Y3.28%
Revenue Next 3Y2.6%
Revenue Next 5Y2.77%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A