Guaranty Federal Bancshares, Inc. (GFED) Income Statement Analysis

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Complete financial analysis of Guaranty Federal Bancshares, Inc. (GFED) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Guaranty Federal Bancshares, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.

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Guaranty Federal Bancshares, Inc. (GFED)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.gbankmo.com

About Guaranty Federal Bancshares, Inc.

Guaranty Federal Bancshares, Inc. operates as the bank holding company for Guaranty Bank that provides a range of banking and mortgage services to individual and corporate customers in southwest Missouri. The company's deposit products include checking accounts, money market accounts, savings accounts, fixed-term certificates of deposit, and individual retirement accounts, as well as demand deposits and NOW accounts. Its loan portfolio comprises commercial real estate loans, one-to four-family mortgage loans, multi-family residential mortgage loans, and construction loans, as well as agriculture, small business administration, and business loans; and consumer and other loans, such as loans secured by certificates of deposit, automobiles, recreational vehicles, boat loans, and home equity loans. The company also invests in mortgage-backed securities, U.S. Government and federal agency securities, and other marketable securities. As of January 20, 2022, it had 16 full-service branches in Greene, Christian, Jasper, and Newton counties; a loan production office in Webster County; and approximately 37,000 ATMs. Guaranty Federal Bancshares, Inc. was founded in 1913 and is based in Springfield, Missouri.

Metric	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue	45.46M	40.94M	38.46M	39.55M	28.21M	25.79M	25.25M	23.78M	25.76M	23.55M	25.25M	21.87M	17.63M	19.16M	22.18M	21.48M	19.02M	15.71M	0.00	14.77M	12.91M	12.05M	11.30M	9.50M	6.90M	6.90M	5.10M
Cost of Revenue	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	45.46M	40.94M	38.46M	39.55M	28.21M	25.79M	25.25M	23.78M	25.76M	23.55M	25.25M	21.87M	17.63M	19.16M	22.18M	21.48M	19.02M	15.71M	0.00	14.77M	12.91M	12.05M	11.30M	9.50M	6.90M	6.90M	5.10M
Gross Profit Ratio	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	0.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	22.20M	20.69M	18.80M	17.59M	13.92M	12.54M	11.63M	10.59M	10.90M	11.09M	10.36M	10.31M	9.90M	8.28M	7.07M	6.11M	4.88M	4.57M	0.00	4.61M	4.09M	3.42M	3.10M	2.30M	2.00M	2.00M	1.70M
Selling & Marketing	407.50K	489.00K	500.00K	534.65K	525.00K	525.00K	525.00K	425.00K	425.00K	300.00K	300.00K	300.00K	316.67K	400.00K	400.00K	403.29K	230.25K	287.59K	0.00	331.45K	392.93K	381.60K	400.00K	400.00K	300.00K	300.00K	200.00K
SG&A	22.61M	21.18M	19.30M	18.12M	14.45M	13.07M	12.16M	11.02M	11.32M	11.39M	10.66M	10.61M	10.21M	8.68M	7.47M	6.52M	5.12M	4.86M	0.00	4.94M	4.48M	3.80M	3.50M	2.70M	2.30M	2.30M	1.90M
Other Expenses	-48.22M	-44.44M	-33.13M	-38.55M	-28.84M	-27.07M	-24.95M	-23.46M	-25.12M	-26.27M	-21.76M	-16.05M	-11.30M	-16.66M	362.91K	-55.16K	-2.87M	-5.53M	0.00	-139.60K	3.97M	2.53M	1.10M	900.00K	1.00M	1.80M	-5.00M
Operating Expenses	-25.62M	-23.26M	-13.83M	-20.43M	-14.40M	-14.01M	-12.79M	-12.44M	-13.80M	-14.88M	-11.10M	-5.44M	-1.08M	-7.98M	7.84M	6.46M	2.25M	-666.07K	0.00	4.80M	8.45M	6.33M	4.60M	3.60M	3.30M	4.10M	-3.10M
Cost & Expenses	-25.62M	-23.26M	-13.83M	-20.43M	-14.40M	-14.01M	-12.79M	-12.44M	-13.80M	-14.88M	-11.10M	-5.44M	-1.08M	-7.98M	7.84M	6.46M	2.25M	-666.07K	0.00	4.80M	8.45M	6.33M	4.60M	3.60M	3.30M	4.10M	-3.10M
Interest Income	41.20M	40.87M	45.23M	43.25M	29.44M	25.39M	25.19M	25.01M	25.86M	27.61M	30.38M	32.33M	33.87M	36.36M	37.97M	35.07M	27.28M	20.54M	0.00	25.22M	27.18M	23.56M	20.80M	17.20M	14.70M	13.70M	11.60M
Interest Expense	6.52M	9.61M	13.54M	9.93M	6.09M	4.18M	4.28M	4.33M	5.10M	6.86M	9.61M	14.81M	20.53M	19.52M	20.52M	17.39M	11.86M	8.45M	0.00	14.09M	16.38M	12.93M	10.70M	8.70M	8.30M	8.20M	6.60M
Depreciation & Amortization	2.40M	2.47M	2.45M	1.59M	1.16M	845.22K	918.44K	755.94K	822.32K	747.37K	717.22K	826.44K	965.50K	934.94K	1.01M	838.26K	711.63K	748.24K	0.00	831.28K	714.51K	471.44K	500.00K	500.00K	200.00K	300.00K	6.60M
EBITDA	22.24M	20.15M	27.08M	20.71M	14.97M	12.63M	13.38M	12.09M	12.79M	9.42M	14.87M	17.26M	17.52M	12.11M	31.03M	28.78M	21.98M	15.79M	0.00	20.40M	22.07M	18.85M	16.40M	13.60M	10.40M	11.30M	8.60M
EBITDA Ratio	48.92%	49.20%	70.41%	52.37%	53.06%	48.97%	52.98%	50.86%	49.64%	39.99%	58.88%	78.90%	99.33%	63.22%	139.89%	133.98%	115.55%	100.52%	0.00%	138.14%	170.98%	156.42%	145.13%	143.16%	150.72%	163.77%	168.63%
Operating Income	19.84M	17.68M	24.63M	19.11M	13.81M	11.78M	12.46M	11.34M	11.97M	8.67M	14.15M	16.43M	16.55M	11.18M	30.02M	27.94M	21.27M	15.04M	0.00	19.57M	21.35M	18.38M	15.90M	13.10M	10.20M	11.00M	2.00M
Operating Income Ratio	43.65%	43.18%	64.04%	48.34%	48.97%	45.69%	49.35%	47.68%	46.45%	36.81%	56.04%	75.12%	93.86%	58.34%	135.33%	130.08%	111.81%	95.76%	0.00%	132.51%	165.44%	152.51%	140.71%	137.89%	147.83%	159.42%	39.22%
Total Other Income/Expenses	-6.52M	-9.61M	-13.54M	-9.93M	-6.09M	-4.18M	-4.28M	-4.33M	-5.10M	-6.86M	-9.61M	-14.81M	-20.53M	-19.52M	-20.52M	-17.39M	-11.86M	-8.45M	0.00	-14.09M	-16.38M	-12.93M	-10.70M	-8.70M	-8.30M	-8.20M	0.00
Income Before Tax	13.32M	8.07M	11.10M	9.19M	7.73M	7.61M	8.18M	7.01M	6.87M	1.81M	4.54M	1.63M	-3.98M	-8.35M	9.50M	10.55M	9.41M	6.60M	0.00	5.48M	4.98M	5.45M	5.20M	4.40M	1.90M	2.80M	2.00M
Income Before Tax Ratio	29.30%	19.70%	28.85%	23.23%	27.39%	29.49%	32.39%	29.47%	26.67%	7.70%	17.98%	7.43%	-22.54%	-43.58%	42.83%	49.13%	49.45%	42.00%	0.00%	37.14%	38.55%	45.24%	46.02%	46.32%	27.54%	40.58%	39.22%
Income Tax Expense	2.68M	1.24M	1.68M	1.85M	2.57M	2.01M	2.46M	1.23M	1.63M	-131.34K	703.11K	494.25K	-1.63M	-2.99M	3.40M	4.04M	3.51M	2.31M	0.00	1.89M	1.74M	1.95M	1.80M	1.60M	700.00K	1.00M	700.00K
Net Income	10.64M	6.83M	9.42M	7.33M	5.16M	5.59M	5.72M	5.78M	5.24M	1.94M	3.84M	1.13M	-2.34M	-5.36M	6.10M	6.51M	5.90M	4.28M	0.00	3.59M	3.23M	3.51M	3.40M	2.80M	1.20M	1.80M	1.30M
Net Income Ratio	23.40%	16.69%	24.48%	18.54%	18.28%	21.69%	22.64%	24.32%	20.34%	8.25%	15.19%	5.17%	-13.27%	-27.98%	27.50%	30.31%	31.01%	27.27%	0.00%	24.33%	25.05%	29.09%	30.09%	29.47%	17.39%	26.09%	25.49%
EPS	2.45	1.57	2.11	1.64	1.18	1.28	1.32	1.44	1.92	0.72	1.43	0.43	-0.89	-2.06	2.25	2.34	2.12	1.53	0.00	1.01	0.78	0.71	0.61	0.48	0.19	0.56	0.10
EPS Diluted	2.45	1.57	2.11	1.64	1.16	1.27	1.30	1.42	1.86	0.68	1.43	0.43	-0.89	-2.06	2.19	2.25	2.03	1.47	0.00	1.00	0.77	0.70	0.60	0.48	0.19	0.56	0.10
Weighted Avg Shares Out	4.35M	4.35M	4.46M	4.48M	4.37M	4.36M	4.33M	4.01M	2.73M	2.72M	2.68M	2.64M	2.62M	2.60M	2.71M	2.78M	2.78M	2.80M	2.80M	3.56M	4.14M	4.94M	5.57M	5.88M	6.36M	3.21M	13.00M
Weighted Avg Shares Out (Dil)	4.35M	4.35M	4.46M	4.48M	4.44M	4.42M	4.39M	4.07M	2.81M	2.86M	2.68M	2.64M	2.62M	2.60M	2.79M	2.89M	2.91M	2.91M	2.84M	3.59M	4.20M	5.01M	5.67M	5.88M	6.36M	3.21M	13.00M

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Guaranty Federal Bancshares, Inc. (GFED) Q4 Earnings Lag Estimates

January 20, 2022zacks.com

Guaranty Federal Bancshares, Inc. (GFED) delivered earnings and revenue surprises of -1.72% and 6.69%, respectively, for the quarter ended December 2021. Do the numbers hold clues to what lies ahead for the stock?

Guaranty Federal Bancshares, Inc. (GFED) Earnings Expected to Grow: What to Know Ahead of Q4 Release

January 13, 2022zacks.com

Guaranty Federal Bancshares, Inc. (GFED) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Guaranty Federal Bancshares, Inc. (GFED) Upgraded to Strong Buy: Here's Why

December 24, 2021zacks.com

Guaranty Federal Bancshares, Inc. (GFED) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).

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December 1, 2021zacks.com

CC, FORR, GFED, HUBG, and JD have been added to the Zacks Rank #1 (Strong Buy) List on December 1st.

GFED Merger Investigation: Halper Sadeh LLP Announces Investigation Into Whether the Sale of Guaranty Federal Bancshares, Inc. Is Fair to Shareholders; Investors Are Encouraged to Contact the Firm – GFED

November 9, 2021businesswire.com

NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLP, a global investor rights law firm, is investigating whether the sale of Guaranty Federal Bancshares, Inc. (NASDAQ: GFED) to QCR Holdings, Inc. is fair to Guaranty shareholders. Under the terms of the merger, Guaranty shareholders...

Guaranty Federal Bancshares, Inc. Announces Quarterly Dividend

June 25, 2021globenewswire.com

SPRINGFIELD, Mo., June 25, 2021 (GLOBE NEWSWIRE) -- Guaranty Federal Bancshares, Inc., (NASDAQ:GFED), the holding company (the “Company”) for Guaranty Bank, today announces a dividend per common share of $0.15 for its second quarter ending June 30, 2021. The dividend...

Guaranty Federal Bancshares, Inc. (GFED) Q1 Earnings and Revenues Beat Estimates

April 22, 2021zacks.com

Guaranty Federal Bancshares, Inc. (GFED) delivered earnings and revenue surprises of 112.50% and 5.21%, respectively, for the quarter ended March 2021. Do the numbers hold clues to what lies ahead for the stock?