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GUARANTY FEDERAL BNCSHS INC (GFED) Stock Fundamental Analysis

USA - NASDAQ:GFED - Common Stock

31.43
-0.16 (-0.51%)
Last: 3/31/2022, 8:00:01 PM
Fundamental Rating

2

GFED gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 0 industry peers in the Thrifts & Mortgage Finance industry. GFED has a bad profitability rating. Also its financial health evaluation is rather negative. GFED is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year GFED was profitable.
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

The Operating Margin and Gross Margin are not available for GFED so they could not be analyzed.
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

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1

2. Health

2.1 Basic Checks

The number of shares outstanding for GFED has been reduced compared to 1 year ago.
Compared to 1 year ago, GFED has an improved debt to assets ratio.
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

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 53.80% over the past year.
The Earnings Per Share has been growing by 14.04% on average over the past years. This is quite good.
Looking at the last year, GFED shows a quite strong growth in Revenue. The Revenue has grown by 17.02% in the last year.
GFED shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.14% yearly.
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

The Earnings Per Share is expected to decrease by -4.94% on average over the next years.
GFED is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.77% yearly.
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

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2

4. Valuation

4.1 Price/Earnings Ratio

GFED is valuated correctly with a Price/Earnings ratio of 12.93.
Compared to an average S&P500 Price/Earnings ratio of 27.08, GFED is valued rather cheaply.
The Price/Forward Earnings ratio is 15.10, which indicates a correct valuation of GFED.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.09, GFED is valued a bit cheaper.
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 5 10 15 20 25

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%

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4

5. Dividend

5.1 Amount

GFED has a Yearly Dividend Yield of 1.90%.
GFED's Dividend Yield is comparable with the S&P500 average which is at 2.30.
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

GFED pays out 24.69% of its income as dividend. This is a 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

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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
Revenue(TTM)48.35M
Net Income(TTM)10.64M
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
Graham NumberN/A
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
ROICexgc growth 3Y0%
ROICexgc 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

GUARANTY FEDERAL BNCSHS INC / GFED FAQ

Can you provide the ChartMill fundamental rating for GUARANTY FEDERAL BNCSHS INC?

ChartMill assigns a fundamental rating of 3 / 10 to GFED.


What is the valuation status of GUARANTY FEDERAL BNCSHS INC (GFED) stock?

ChartMill assigns a valuation rating of 4 / 10 to GUARANTY FEDERAL BNCSHS INC (GFED). This can be considered as Fairly Valued.


What is the profitability of GFED stock?

GUARANTY FEDERAL BNCSHS INC (GFED) has a profitability rating of 2 / 10.


What is the valuation of GUARANTY FEDERAL BNCSHS INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for GUARANTY FEDERAL BNCSHS INC (GFED) is 12.93 and the Price/Book (PB) ratio is 1.41.


Can you provide the financial health for GFED stock?

The financial health rating of GUARANTY FEDERAL BNCSHS INC (GFED) is 2 / 10.