GUARANTY FEDERAL BANCSHARES INC
Financials · State Commercial Banks · DE · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | |
|---|---|---|---|---|---|---|
| Revenue | $1.8M | $1.5M | $1.7M | $2.0M | $1.2M | $1.1M |
| Operating income | — | — | — | — | — | — |
| Net income | $2.2M | $2.1M | $9.4M | $7.3M | $5.2M | $5.6M |
| Total assets | $1.17B | $1.15B | $1.01B | $965.1M | $794.5M | $688.0M |
| Total liabilities | $1.08B | $1.06B | $927.4M | $884.7M | $719.6M | $618.0M |
| Equity | $97.5M | $89.0M | $84.6M | $80.5M | $74.9M | $70.0M |
| EPS (diluted) | $0.51 | $0.49 | $2.11 | $1.64 | $1.16 | $1.27 |
| Shares out. | 4.4M | 4.3M | 4.5M | 4.4M | 4.4M | 4.4M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2021- Operating margin
- —
- Net margin
- 122.8%
- Return on equity
- 2.3%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.7%
- Debt / equity
- 11.03×
- Book value / share
- $22.25
- Revenue growth (YoY)
- 22.9%
- Net income growth (YoY)
- 5.3%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2021- Accruals / assets
- −1.4%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Griesemer John FDirector | Apr 1, 2022 | D | 142 | — |
| Castle Creek Capital Partners V, Lp10% owner | Apr 1, 2022 | D | 918,804 | — |
| Sivils James L IiiDirector | Apr 1, 2022 | D | 142 | — |
| Moore David TDirector | Apr 1, 2022 | D | 142 | — |
| Rosenbury TimDirector | Apr 1, 2022 | D | 142 | — |
| Peters Carter MOfficer — EVP-CFO | Apr 1, 2022 | Option exercise | 4,552 | — |
| Hellweg Kurt DDirector | Apr 1, 2022 | D | 142 | — |
| Harris TeriOfficer — VP-Controller | Apr 1, 2022 | D | 1,316 | — |
| Dunn Craig EOfficer — EVP-Chief Comm Banking Officer | Apr 1, 2022 | Option exercise | 4,688 | — |
| Batten James RDirector | Apr 1, 2022 | D | 142 | — |
| Biser Sheri DOfficer — EVP/CCO | Apr 1, 2022 | Option exercise | 4,141 | — |
| Burke Shaun AOfficer — President & CEO | Apr 1, 2022 | Option exercise | 8,193 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylaws · Other material eventApr 1, 2022
- Regulation FD disclosure · Other material eventMar 23, 2022
- Shareholder vote · Other material eventMar 22, 2022
- Other material eventMar 8, 2022
- Results of operationsJan 24, 2022
- Other material eventJan 3, 2022
- Entered a material agreement · Regulation FD disclosureNov 9, 2021
- Results of operationsOct 21, 2021
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.