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GUARANTY FEDERAL BNCSHS INC (GFED) Stock Fundamental Analysis

NASDAQ:GFED - Nasdaq - Common Stock

31.43  -0.16 (-0.51%)

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 valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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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

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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.
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

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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.
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.
The Revenue has grown by 17.02% in the past year. This is quite good.
Measured over the past years, GFED shows a quite strong growth in Revenue. The Revenue has been growing by 13.14% on average per year.
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.
The Revenue is expected to grow by 2.77% on average over the next years.
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
GFED is valuated cheaply when we compare the Price/Earnings ratio to 29.62, 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.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, 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

A cheap valuation may be justified as GFED's earnings are expected to decrease with -5.05% in the coming years.
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%. Purely for dividend investing, there may be better candidates out there.
Compared to an average S&P500 Dividend Yield of 2.27, GFED has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.9%

5.2 History

On average, the dividend of GFED grows each year by 6.98%, which is quite nice.
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
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