Guaranty Bancorp
Financials · State Commercial Banks · DE · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $9.8M | $5.9M | $22.5M | $13.5M | $14.0M | $15.1M |
| Total assets | $3.70B | $3.37B | $2.37B | $2.12B | $1.91B | $1.89B |
| Total liabilities | $3.29B | $3.01B | $2.15B | $1.92B | $1.72B | $1.70B |
| Equity | $404.9M | $352.4M | $221.6M | $206.9M | $189.4M | $188.2M |
| EPS (diluted) | $0.35 | $0.27 | $1.06 | $0.64 | $0.67 | $0.72 |
| Shares out. | 28.4M | 21.8M | 21.7M | 21.5M | 101.8M | 101.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2017- Operating margin
- —
- Net margin
- —
- Return on equity
- 2.4%
- Return on assets
- 0.3%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.1%
- Debt / equity
- 8.14×
- Book value / share
- $14.26
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 68.1%
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 · FY2017- Accruals / assets
- −1.1%clean
- Piotroski F-Score
- 5/6mixed
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 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- 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.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Mar 16, 2007
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Dickelman KeithOfficer — EVP, Business Banking | Jan 1, 2019 | Option exercise | 1,907 | $0.00 |
| Dickelman KeithOfficer — EVP, Business Banking | Jan 1, 2019 | Option exercise | 1,907 | $0.00 |
| Apt JustinOfficer — Managing Principal | Jan 1, 2019 | Option exercise | 7,092 | $0.00 |
| Miltimore Joseph E.Officer — EVP, Middle Market | Jan 1, 2019 | Option exercise | 5,000 | $0.00 |
| O'Brien Patrick DanOfficer — EVP, Regional Pres., SBA Mgr. | Jan 1, 2019 | Option exercise | 7,500 | $0.00 |
| Pizzichini Anthony L.Officer — EVP, Regional President | Jan 1, 2019 | Option exercise | 7,500 | $0.00 |
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 · Other material eventJan 2, 2019
- Other material eventDec 27, 2018
- Regulation FD disclosureOct 29, 2018
- Results of operationsOct 17, 2018
- Shareholder voteSep 25, 2018
- Other material eventSep 17, 2018
- Regulation FD disclosureAug 14, 2018
- Results of operationsJul 18, 2018
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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