Provides commercial specialty insurance products. Offers farm, ranch, and stable insurance coverage. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
The market pays 16.7× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 82% of them.
No analyst target is on record for this company.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly below the class average.
Clearly above the class average — a step short of the very top.
Growth: Sales growth trails the sector average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades 20% below its peak. The market has trimmed its expectations for the company.
Over the last 12 months, company executives reported 25 buys and 0 sells. Management buying with its own money is usually read as a good sign.
It pays out $1.40 per share each year — regular cash for whoever holds the stock.
Over the last 4 years, sales fell about 10% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
The growth engine is running at low revs right now. Report-card grade: 6/100.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 30/100.
On our five-subject report card, GBLI sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: GBLI does earn real profits — but on our report card it still sits behind its class. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.