Guaranty Federal Bancshares Inc (GFED) |
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Price: $0.0000
$0.00
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Day's High:
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Day's Low: |
$ 0.00 |
30 Day Perf: |
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Volume (M): |
0 |
52 Wk High: |
$ 0.00 |
Volume (M$): |
$ 0 |
52 Wk Avg: |
$0.00 |
Open: |
$0.00 |
52 Wk Low: |
$0.00 |
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Market Capitalization (Millions $) |
- |
Shares
Outstanding (Millions) |
4 |
Employees |
138 |
Revenues (TTM) (Millions $) |
48 |
Net Income (TTM) (Millions $) |
11 |
Cash Flow (TTM) (Millions $) |
-18 |
Capital Exp. (TTM) (Millions $) |
1 |
Guaranty Federal Bancshares Inc
Guaranty Federal Bancshares, Inc. is a Delaware-chartered corporation that
was formed in September 1997. The Company became a unitary savings and loan
holding company for Guaranty Federal Savings Bank, a federal savings bank (the
"Bank") on December 30, 1997, in connection with a plan of conversion
and reorganization involving the Bank and its then existing mutual holding company.
The mutual holding company structure had been created in April 1995 at which
time more than a majority of the shares of the Bank were issued to the mutual
holding company and the remaining shares were sold in a public offering. In
connection with the conversion and reorganization on December 30, 1997, the
shares of the Bank held by the mutual holding company were extinguished along
with the mutual holding company, and the shares of the Bank held by the public
were exchanged for shares of the Company. All of the shares of the Bank which
remained outstanding after the conversion are owned by the Company.
On June 27, 2003, the Bank converted from a federal savings bank to a state-chartered
trust company with banking powers in Missouri, and the Company became a bank
holding company. On this date, the name of the Bank was changed from Guaranty
Federal Savings Bank to Guaranty Bank. The primary activity of the Company is
to oversee its investment in the Bank. The Company engages in few other activities.
For this reason, unless otherwise specified, references to the Company include
operations of the Bank. Further, information in a chart or table based on Bank
only data is identical to or immaterially different from information that would
be provided on a consolidated basis. In addition to the Bank, the Company owns
Guaranty Statutory Trust I and Guaranty Statutory Trust II, both Delaware statutory
trusts.
The Banks principal business has been, and continues to be, attracting retail
deposits from the general public and investing those deposits, together with
funds generated from operations, in commercial real estate loans, multi-family
residential mortgage loans, construction loans, permanent one- to four-family
residential mortgage loans, business, consumer and other loans. The Bank also
invests in mortgage-backed securities, U.S. Government and federal agency securities
and other marketable securities. The Banks revenues are derived principally
from interest on its loans and other investments and fees charged for services
provided, and gains generated from sales of loans and investment securities,
and the Bank’s results of operations are primarily dependent on net interest
margin, which is the difference between interest income on interest-earning
assets and interest expense on interest-bearing liabilities. The Banks primary
sources of funds are: deposits; borrowings; amortization and prepayments of
loan principal; and amortizations, prepayments and maturities of investment
securities.
The Bank is regulated by the Missouri Division of Finance (“MDF”)
and its deposits are insured by the Deposit Insurance Fund of the Federal Deposit
Insurance Corporation (the "FDIC"). See discussion under section captioned
“Supervision and Regulation” in this Item 1. The Bank is a member
of the FHLB of Des Moines, which is one of 11 regional Federal Home Loan Banks
(“FHLB”).
General. The Companys primary sources of funds are retail and commercial deposits,
borrowings, amortization and prepayments of loans and amortization, prepayments
and maturities of investment securities.
Deposits. The Bank offers a variety of deposit accounts having a range of interest
rates and terms. The Bank has concentrated on a diverse deposit mix, such that
transaction accounts make a greater percent of funding than in the past. The
Bank offers various checking accounts, money markets, savings, fixed-term certificates
of deposit and individual retirement accounts.
The flow of deposits is influenced significantly by general economic conditions,
changes in money market and prevailing interest rates, local competition, and
competition from non-bank financial service providers. The Company closely manages
its deposit position and mix to manage interest rate risk and improve its net
interest margin. The Banks deposits are typically obtained from the areas in
which its offices are located. The Bank relies primarily on customer service
and long-standing relationships with customers to attract and retain these deposits.
Company Address: 2144 E Republic Rd, Suite F200 Springfield 65804 MO
Company Phone Number: 875-2492 Stock Exchange / Ticker: NASDAQ GFED
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Customers Net Income grew by |
GFED's Customers Net Profit Margin grew to |
121.44 % |
19.22 %
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Stock Performances by Major Competitors |
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Horizon Bancorp Inc
Horizon Bancorp Inc, a regional bank company, has recently seen an increase in its share price over the last month and the last five trading days, despite facing some challenges in its financial performance. The company's shares have seen a 3.35% increase over the course of the last 30 days and a 4.34% increase over the last five trading days. This positive movement in the stock price is a good sign for investors, but it is important to also consider the company's financial results and operational performance in order to fully understand the reasons behind this increase. For the period ending December 31, 2023, Horizon Bancorp Inc reported a shortfall of $-0.57 per share, compared to a profit of $0.48 per share in the previous year. This decrease in earnings per share is concerning and indicates that the company may be facing challenges in generating profits. The revenue also fell sharply by -63.126% to $20.53 million from $55.69 million in the same period a year before. This drop in revenue could be attributed to various factors such as slowing demand or changes in the market environment.
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Ohio Valley Banc Corp
In the face of a challenging landscape for regional banks, Ohio Valley Banc Corp (OVBC) managed to achieve expanding sales in its most recent fiscal period. However, the company experienced a shrinking earnings per share (EPS), raising questions about its future prospects. Let's delve into the financial results to better understand how these developments may impact the company going forward. Expanding Sales, Decreasing EPS: OVBC reported a 9.944% increase in revenue, reaching $14.21 million compared to $12.92 million on a year-over-year basis. While this indicates positive growth, the bottom-line paints a different picture, with EPS decreasing by 7.99% to $0.68 per share from $0.74 in the prior year's reporting season. This discrepancy suggests that OVBC's profitability is not keeping pace with its revenue growth.
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South Plains Financial Inc
South Plains Financial Inc (NASDAQ: SPFI) recently reported its financial results for the fourth quarter of 2023 earnings season, and it was not a pretty picture. Both revenue and earnings took a significant hit, with income falling by -14.8% to $0.62 per share and revenue by -10.343% year on year. Revenue in the fourth quarter of 2023 stood at $43.71 million, compared to $48.75 million in the same period of the previous year. Furthermore, the decline in performance was not just limited to the year-on-year comparison. Compared to the prior quarter, income saw a staggering drop of -20.06% from $0.78 per share, and revenue deteriorated by -10.188% from $48.67 million. Net profits for the financial fourth quarter of 2023 also fell by -18.2% to $10.324 million, down from $12.621 million in the corresponding period a year before.
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First Western Financial Inc
First Western Financial Inc (NASDAQ: MYFW) has recorded a disappointing fiscal span ending December 31, 2023, reflecting significant declines in both revenue and earnings. The company reported a drastic decline of -48.776% in revenue, which plummeted to $13.92 million compared to the previous year. Additionally, MYFW recorded a substantial shortfall per share, falling to $-0.33 from $0.49 in the fourth quarter of 2022. The decline in revenue is evident when comparing it to the preceding quarter, where income per share dropped from $0.32 per share and revenue tumbled by -38.237% from $22.54 million. These figures indicate a concerning trend of decreasing revenue for First Western Financial Inc.
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Coastal Financial Corporation
Coastal Financial Corporation, a Regional Banks company, recently reported its financial results for the quarter ending December 31, 2023. While the company saw a slight increase in revenue of 1.461%, it also experienced a significant decrease in income of -26.98% compared to the same quarter a year prior. Despite the revenue gain, earnings per share (EPS) also fell to $0.65. The behavior of Coastal Financial Corporation, as a Regional Banks company, has come as a surprise to many industry analysts. While other companies in the Regional Banks sector saw an average reduction in business of -8.12%, Coastal Financial Corporation managed to achieve a revenue increase. However, this was not enough to offset the significant decline in income.
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Per Share |
Current |
Earnings (TTM) |
2.44 $ |
Revenues (TTM) |
10.81 $
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Cash Flow (TTM) |
- |
Cash |
34.43 $
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Book Value |
22.17 $
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Dividend (TTM) |
0.6 $ |
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Per Share |
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Earnings (TTM) |
2.44 $
|
Revenues (TTM) |
10.81 $ |
Cash Flow (TTM) |
- |
Cash |
34.43 $
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Book Value |
22.17 $ |
Dividend (TTM) |
0.6 $ |
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