Guaranty Financial Corporation
Guaranty Financial Corporation operates as the bank holding company for Guaranty Bank that provides various banking services in Wisconsin, Illinois, Michigan, Minnesota, and Georgia. It accepts various checking and savings accounts, certificates of deposit, money market accounts, and individual retirement accounts. The company also offers mortgage loans; and debit and credit cards, online and mob… Read more
Guaranty Financial Corporation (GFCJ) - Net Assets
Latest net assets as of December 2003: $20.19 Million USD
Based on the latest financial reports, Guaranty Financial Corporation (GFCJ) has net assets worth $20.19 Million USD as of December 2003.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($198.98 Million) and total liabilities ($178.79 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $20.19 Million |
| % of Total Assets | 10.15% |
| Annual Growth Rate | 7.43% |
| 5-Year Change | -65.91% |
| 10-Year Change | 70.29% |
| Growth Volatility | 173.23 |
Guaranty Financial Corporation - Net Assets Trend (1994–2015)
This chart illustrates how Guaranty Financial Corporation's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Guaranty Financial Corporation (1994–2015)
The table below shows the annual net assets of Guaranty Financial Corporation from 1994 to 2015.
| Year | Net Assets | Change |
|---|---|---|
| 2015-12-31 | $27.04 Million | -8.29% |
| 2014-12-31 | $29.49 Million | +0.79% |
| 2013-12-31 | $29.26 Million | -54.96% |
| 2011-12-31 | $64.95 Million | -18.12% |
| 2010-12-31 | $79.32 Million | -23.90% |
| 2009-12-31 | $104.24 Million | -32.87% |
| 2008-12-31 | $155.27 Million | +683.88% |
| 2003-12-31 | $19.81 Million | +6.45% |
| 2002-12-31 | $18.61 Million | +17.17% |
| 2001-12-31 | $15.88 Million | +5.60% |
| 2000-12-31 | $15.04 Million | -14.07% |
| 1999-12-31 | $17.50 Million | +39.39% |
| 1998-12-31 | $12.55 Million | +5.50% |
| 1997-12-31 | $11.90 Million | +88.89% |
| 1996-12-31 | $6.30 Million | +5.00% |
| 1994-12-31 | $6.00 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Guaranty Financial Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 1341.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2015)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $187.00K | 0.69% |
| Other Comprehensive Income | $50.13 Million | 185.38% |
| Other Components | $12.71 Million | 47.00% |
| Total Equity | $27.04 Million | 100.00% |
Guaranty Financial Corporation Competitors by Market Cap
The table below lists competitors of Guaranty Financial Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Medical Supply International USA Inc
PINK:MSIU
|
$1.80 |
|
RDVA Inc
PINK:RDVA
|
$1.80 |
|
Aida Pharmaceuticals Inc
PINK:AIDA
|
$1.80 |
|
Axis Energy Corp
PINK:AXGC
|
$1.80 |
|
ECOCASH HOLDINGS ZIMBABWE LIMITED
XZIM:EHZL
|
$1.74 |
|
Codex Acquisitions PLC
LSE:CODX
|
$1.67 |
|
OK ZIMBABWE LIMITED
XZIM:OKZ
|
$1.61 |
|
First Class Metals PLC
LSE:FCM
|
$1.54 |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Guaranty Financial Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2014 to 2015, total equity changed from 29,487,000 to 27,043,000, a change of -2,444,000 (-8.3%).
- Net loss of 4,099,000 reduced equity.
- Other comprehensive income increased equity by 50,076,999.
- Other factors decreased equity by 48,421,999.
Equity Change Factors (2014 to 2015)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-4.10 Million | -15.16% |
| Other Comprehensive Income | $50.08 Million | +185.18% |
| Other Changes | $-48.42 Million | -179.06% |
| Total Change | $- | -8.29% |
Book Value vs Market Value Analysis
This analysis compares Guaranty Financial Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.00x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1994-12-31 | $6.55 | $0.00 | x |
| 1996-12-31 | $6.82 | $0.00 | x |
| 1997-12-31 | $8.07 | $0.00 | x |
| 1998-12-31 | $8.40 | $0.00 | x |
| 1999-12-31 | $10.50 | $0.00 | x |
| 2000-12-31 | $7.68 | $0.00 | x |
| 2001-12-31 | $7.97 | $0.00 | x |
| 2002-12-31 | $9.39 | $0.00 | x |
| 2003-12-31 | $10.28 | $0.00 | x |
| 2008-12-31 | $81.46 | $0.00 | x |
| 2009-12-31 | $53.62 | $0.00 | x |
| 2010-12-31 | $40.73 | $0.00 | x |
| 2011-12-31 | $33.21 | $0.00 | x |
| 2013-12-31 | $15.67 | $0.00 | x |
| 2014-12-31 | $15.79 | $0.00 | x |
| 2015-12-31 | $14.45 | $0.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Guaranty Financial Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -15.16%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -4.33%
- • Asset Turnover: 0.09x
- • Equity Multiplier: 37.03x
- Recent ROE (-15.16%) is below the historical average (-6.43%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1994 | 6.67% | 7.14% | 0.06x | 14.92x | $-200.00K |
| 1996 | 10.21% | 10.12% | 0.06x | 18.29x | $13.25K |
| 1997 | 7.56% | 11.54% | 0.06x | 10.98x | $-290.00K |
| 1998 | 8.10% | 10.63% | 0.04x | 17.29x | $-239.15K |
| 1999 | 0.03% | 0.04% | 0.05x | 14.05x | $-1.75 Million |
| 2000 | 4.04% | 3.91% | 0.06x | 16.89x | $-896.70K |
| 2001 | 3.26% | 4.12% | 0.05x | 14.77x | $-1.07 Million |
| 2002 | 9.48% | 26.16% | 0.03x | 10.59x | $-97.30K |
| 2003 | 9.83% | 29.27% | 0.03x | 9.95x | $-34.49K |
| 2008 | -15.95% | -10.26% | 0.15x | 10.33x | $-39.24 Million |
| 2009 | -51.20% | -24.99% | 0.15x | 13.34x | $-61.29 Million |
| 2010 | -31.58% | -13.00% | 0.14x | 17.35x | $-31.63 Million |
| 2011 | -22.39% | -7.97% | 0.14x | 19.43x | $-20.09 Million |
| 2013 | -26.75% | -6.37% | 0.11x | 38.29x | $-10.75 Million |
| 2014 | 0.92% | 0.22% | 0.12x | 35.94x | $-2.68 Million |
| 2015 | -15.16% | -4.33% | 0.09x | 37.03x | $-6.80 Million |
Industry Comparison
This section compares Guaranty Financial Corporation's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Guaranty Financial Corporation (GFCJ) | $20.19 Million | 6.67% | 8.85x | $1.80 |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |