Guaranty Bancorp

Visual Financials
Company Name: Guaranty Bancorp
Ticker Symbol: GBNK
CIK Number: 0001324410
WWW Address: http://www.gbnk.com
CEO: Paul W. Taylor
No. of Employees: 521
Common Issue Type: CS
Business Description:Guaranty Bancorp is a bank holding company providing banking and other financial services throughout its targeted Colorado markets to consumers and to small- and medium-sized businesses, including the owners and employees of those businesses.

 
Industry Information: BANKING - Regional - Mid-Atlantic Banks [more like this]
 Price  Day Change  Bid  Ask  Open  High  Low  Volume 
 20.75 Unchanged 0.0 20.74 28.0  20.66 20.66 -
 Market Cap (mil) Shares Outstanding (mil) Beta EPS DPS P/E Yield 52-Wks-Range
 608.0 29.3 0.00 1.38 0.65 15.0 3.1 35.20 - 18.78
KEY FIGURES (Latest Twelve Months - LTM)
Yesterday's Close20.66$
PE Ratio - LTM15.0
Market Capitalisation608.0mil
Latest Shares Outstanding29.3mil
Earnings pS (EPS)1.38$
Dividend pS (DPS)0.65¢
Dividend Yield3.1%
Dividend Payout Ratio%
Revenue per Employee241,733$
Effective Tax Rate0.0%
Float25.4mil
Float as % of Shares Outstanding0.9%
Foreign Sales-
Domestic Sales-
Selling, General & Adm/tive (SG&A) as % of Revenue-
Research & Devlopment (R&D) as % of Revenue-
Gross Profit Margin-
EBITDA Margin0.0%
Pre-Tax Profit Margin0.0%
Assets Turnover4.1%
Return on Assets (ROA)1.1%
Return on Equity (ROE)10.2%
Return on Capital Invested (ROCI)0.0%
Current Ratio-
Leverage Ratio (Assets/Equity)9.1
Interest Cover
Total Debt/Equity (Gearing Ratio)0.72
LT Debt/Total Capital42.0%
Working Capital pS-
Cash pS-
Book-Value pS14.61$
Tangible Book-Value pS11.10$
Cash Flow pS2.00$
Free Cash Flow pS1.95$
KEY FIGURES (LTM): Price info
Price/Book Ratio1.45
Price/Tangible Book Ratio0.00
Price/Cash Flow10.6
Price/Free Cash Flow10.8
P/E as % of Industry Group560.0%
P/E as % of Sector Segment71.0%
 
Balance Sheet (at a glance) in Millions
DIVIDEND INFO
Type of PaymentCash Payment
Dividend Rate0.65
Current Dividend Yield3.1
5-Y Average Dividend Yield0.0
Payout Ratio0.0
5-Y Average Payout Ratio0.0
Share price performance previous 3 years

Share price performance intraday

 
PRICE/VOLUMEHighLowClose% Price Chg% Price Chg vs. Mkt.Avg. Daily VolTotal Vol
1 Week---0.4
4 Weeks20.6620.6620.660.4
13 Weeks21.5018.7820.87-0.618,3221,135,964
26 Weeks30.7918.7829.75-30.361,2727,597,752
52 Weeks35.2018.7828.35-26.8105,05126,262,968
YTD20.6620.66-0.4
Moving Average5-Days10-Days10-Weeks30-Weeks200-DaysBeta (60-Mnth)Beta (36-Mnth)
20.6620.6620.6624.2726.200.000.00
 
GROWTH RATES5-Year
Growh
R² of 5-Year Growth3-Year
Growth
Revenue0.150.40.20
Income0.210.60.42
Dividend0.50.36
Capital Spending0.33NA0.23
R&D0.00NA0.00
Normalized Inc.0.00NA0.00
 
CHANGESYTD vs.
Last YTD
Curr Qtr vs.
Qtr 1-Yr ago
Annual vs.
Last Annual
Revenue %-2.5-2.5-5.8
Earnings %-22.1-22.1137.1
EPS %-33.3-33.30.0
EPS $-0.05-0.051.75
 
SOLVENCY RATIOS
SHORT-TERM SOLVENCY RATIOS (LIQUIDITY)
Free Cash Flow Margin4.55
Free Cash Flow Margin 5YEAR AVG-13.31
Cash-Flow pS0.00
Free Cash-Flow pS0.49
FINANCIAL STRUCTURE RATIOS
Financial Leverage Ratio (Assets/Equity)9.14
Debt Ratio89.05
Total Debt/Equity (Gearing Ratio)0.72
LT Debt/Equity0.72
LT Debt/Capital Invested41.94
LT Debt/Total Liabilities8.88
 
VALUATION RATIOS
MULTIPLES
PQ Ratio0.94
Tobin's Q Ratio0.18
Current P/E Ratio - LTM15.00
Enterprise Value (EV)/EBITDA0.00
Enterprise Value (EV)/Free Cash Flow-1,557.81
Dividend Yield3.1
Price/Tangible Book Ratio - LTM0.00
Price/Book Ratio - LTM1.45
Price/Cash Flow Ratio10.6
Price/Free Cash Flow Ratio - LTM10.8
P/E Ratio (1 month ago) - LTM16.2
P/E Ratio (26 weeks ago) - LTM9.6
P/E Ratio (52 weeks ago) - LTM0.0
5-Y High P/E Ratio20.3
5-Y Low P/E Ratio7.0
5-Y Average P/E Ratio0.0
Current P/E Ratio as % of 5-Y Average P/E-10
P/E as % of Industry Group560.0
P/E as % of Sector Segment71.0
Current 12 Month Normalized P/E Ratio - LTM13.7
PER SHARE FIGURES
Tangible Book Value pS - LTM11.10
Book Value pS - LTM14.61
Capital Invested pS23.80
Cash Flow pS - LTM2.00
Free Cash Flow pS - LTM1.95
Earnings pS (EPS)1.38
 
OPERATING RATIOS
PROFITABILITY
Return on Equity (ROE)9.54
Return on Equity (ROE) - 5YEAR AVRG.0.1
Return on Capital Invested (ROCI)5.54
Return on Capital Invested (ROCI) - 5YEAR AVRG.
Return on Assets (ROA)1.04
Return on Assets (ROA) - 5YEAR AVRG.0.0
EBIT Margin - LTM0.0
EBITDA Margin - LTM0.0
Pre-Tax Profit Margin157.07
Pre-Tax Profit Margin - 5YEAR AVRG.147.32
Net Profit Margin31.97
Net Profit Margin - 5YEAR AVRG.26.04
Effective Tax Rate10.45
Effective Tax Rate - 5YEAR AVRG.8.54
EFFICIENCY RATIOS
Revenue per Employee - LTM240,247
Net Income per Employee - LTM41,901
Assets/Revenue - LTM0.00
Assets/Revenue - 5YEAR AVRG.3,191.45



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