Guaranty Bancorp (GBNK) Stock Analysis
DELISTED 2018
What happened to Guaranty Bancorp (GBNK) stock?
Guaranty Bancorp (GBNK) no longer trades on public markets. It was delisted in December 2018. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Guaranty Bancorp (GBNK) trades at $20.75. Guaranty Bancorp operates as a bank holding company, providing a range of financial services to individuals and businesses. Sector: Financial services.
Last analyzed: Mar 17, 2026Analyst Coverage for GBNK: GBNK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates GBNK against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
GBNK: 1/2 scored disciplines lean bullish. Dominant signal: Moon AI bullish.
How is this calculated? →Guaranty Bancorp (GBNK) Financial Services Profile
Guaranty Bancorp (GBNK) is a regional bank holding company offering commercial and retail banking services, characterized by a high gross margin of 100.0% and a dividend yield of 3.13%. Trading at a P/E of 15.1, GBNK operates within the competitive financial services sector, emphasizing local market presence.
What Is the Investment Thesis for GBNK?
Guaranty Bancorp presents an investment case predicated on its established regional presence and consistent profitability, supported by a profit margin of 26.4%. The company's dividend yield of 3.13% offers an income stream for investors. Growth catalysts include expansion within existing markets and strategic acquisitions of smaller community banks. Key value drivers include maintaining a high gross margin and effectively managing credit risk. Potential risks include increased competition from larger national banks and fluctuations in interest rates, which could impact net interest income. The company's beta of 1.18 suggests a slightly higher volatility compared to the market.
Based on FMP financials and quantitative analysis
GBNK Key Highlights
Profit Margin of 26.4% demonstrates strong operational efficiency and profitability.
- Gross Margin of 100.0% indicates effective management of interest income and expenses.
- Dividend Yield of 3.13% provides an attractive income stream for investors.
- P/E Ratio of 15.1 suggests a reasonable valuation compared to earnings.
- Beta of 1.18 indicates slightly higher volatility compared to the overall market.
Who Are GBNK's Competitors?
GBNK is benchmarked below against 6 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| WFC Wells Fargo & Company | $83.92 | -2.35% | $254B | 64 |
| BAC Bank of America Corporation | $61.86 | -2.07% | $439B | 93 |
| JPM JPMorgan Chase & Co. | $351.55 | -1.60% | $942B | 85 |
| WFBI WashingtonFirst Bankshares Inc | $34.26 | +1.63% | 50 | |
| HEOP Heritage Oaks Bancorp | $13.35 | +0.82% | 49 | |
| CTB CTB | $60.17 | -0.12% | 41 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are GBNK's Key Strengths?
Strong local presence and customer relationships.
- High gross margin indicating efficient operations.
- Consistent profitability and dividend payments.
- Experienced management team.
What Are GBNK's Weaknesses?
Limited geographic reach compared to national banks.
- Reliance on traditional banking services.
- Potential vulnerability to interest rate fluctuations.
- Higher beta indicating increased volatility.
What Could Drive GBNK Stock Higher?
Expansion into new geographic markets through acquisitions (2027).
- Growth in commercial lending portfolio.
- Launch of new digital banking platform (2027).
- Increase in wealth management assets under management.
What Are the Key Risks for GBNK?
Insider selling — insiders were net sellers of roughly $4.1M recently.
- Increased competition from larger national banks.
- Fluctuations in interest rates impacting net interest income.
- Economic downturn affecting loan demand and credit quality.
- Cybersecurity risks and data breaches.
- Regulatory changes impacting the banking industry.
What Are the Growth Opportunities for GBNK?
- Expansion within Existing Markets: Guaranty Bancorp can grow by increasing its market share within its current geographic footprint. This involves attracting new customers through targeted marketing campaigns, enhancing customer service, and offering innovative products. The market size for regional banking services is substantial, with billions of dollars in deposits and loans. Timeline: Ongoing.
- Strategic Acquisitions: Acquiring smaller community banks can provide Guaranty Bancorp with access to new markets, customers, and talent. This strategy can accelerate growth and increase the company's overall scale. The market for community bank acquisitions is active, with numerous opportunities available. Timeline: Ongoing.
- Digital Banking Initiatives: Investing in digital banking technologies can enhance the customer experience, improve efficiency, and attract younger customers. This includes developing mobile banking apps, online account opening platforms, and other digital tools. The market for digital banking services is growing rapidly. Timeline: Upcoming: 2027.
- Commercial Lending Growth: Expanding its commercial lending portfolio can drive revenue growth and increase profitability. This involves targeting small and medium-sized businesses with tailored loan products and services. The market for commercial loans is substantial, with significant demand from businesses seeking capital for expansion and operations. Timeline: Ongoing.
- Wealth Management Services: Offering wealth management services to its existing customer base can generate additional revenue and enhance customer loyalty. This includes providing investment advice, financial planning, and trust services. The market for wealth management services is growing, driven by an aging population and increasing wealth. Timeline: Upcoming: 2027.
What Are GBNK's Competitive Advantages?
- Established local presence and brand recognition.
- Strong customer relationships and personalized service.
- Experienced management team with local market expertise.
- Efficient operations and cost management.
What Does GBNK Do?
Guaranty Bancorp operates as a bank holding company, providing a comprehensive suite of banking and financial services to individuals, small businesses, and commercial clients. While the specific founding story is not available, the company has established itself as a key player in the regional banking sector. Its services encompass deposit accounts, loans (including commercial, real estate, and consumer loans), and other financial products tailored to meet the needs of its local communities. Guaranty Bancorp distinguishes itself through its commitment to personalized customer service and local market expertise. The bank's geographic reach is primarily within its operating region, focusing on building strong relationships with local businesses and residents. Guaranty Bancorp competes with other regional and national banks, credit unions, and non-bank financial service providers. The company's strategy centers on delivering competitive products and services while maintaining a strong focus on customer satisfaction and community involvement. Guaranty Bancorp's high gross margin of 100.0% indicates efficient management of its interest income and expenses, contributing to its profitability.
What Products and Services Does GBNK Offer?
- Accepts deposits from individuals and businesses.
- Provides commercial, real estate, and consumer loans.
- Offers online and mobile banking services.
- Provides wealth management and trust services.
- Engages in community development activities.
- Provides treasury management services to businesses.
How Does GBNK Make Money?
- Generates revenue from interest income on loans.
- Earns fees from various banking services.
- Manages expenses to maintain profitability.
- Invests in technology and infrastructure to support operations.
What Industry Does GBNK Operate In?
Guaranty Bancorp operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is influenced by factors such as interest rate movements, regulatory changes, and technological advancements. Regional banks like Guaranty Bancorp compete with larger national banks, credit unions, and online lenders. The market is seeing a trend toward digital banking and increased demand for personalized financial services. Guaranty Bancorp's focus on local relationships and community involvement positions it to capitalize on the demand for personalized service.
Who Are GBNK's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Commercial clients needing treasury management services.
- Wealth management clients seeking investment advice.
Company Profile
Guaranty Bancorp operates in the Banks industry within the Financial Services sector. GBNK has traded publicly since 2005.
Key Financial Metrics
Return on equity for Guaranty Bancorp stands at 10.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. GBNK trades at a trailing price-to-earnings ratio of 15.07, below the Financial Services sector average of ~18x. A current ratio of 0.30 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 6.6%, the inverse of the P/E and a quick read on earnings relative to price.
Insider Activity
The most recent 12 insider filings for Guaranty Bancorp break down as 4 sales and 8 purchases. On net that is roughly 32K shares disposed (about $4.1M), a signal worth weighing alongside the fundamentals.
GBNK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- GBNK insiders seem confident, increasing their holdings, which often signals positive expectations for the company's future. Think of it as management putting their money where their mouth is.
- The community sentiment around GBNK has been notably positive lately. People are talking about its strong regional presence and potential for growth in the local market.
- GBNK is perceived as a stable, traditional bank, which can be attractive in volatile markets. It's like owning a solid, reliable stock during a tech bubble.
- Recent market developments suggest increased lending activity in GBNK's region, potentially boosting their earnings and overall performance. This could be a rising tide lifting all boats.
Bear Case
- Some community members are worried about GBNK's ability to compete with larger, more tech-savvy banks. The fear is they might get left behind in the digital transformation.
- Recent insider selling, while not as prominent as buying, raises questions about potential profit-taking or concerns about short-term performance. It's a yellow flag, not a red one, but worth noting.
- Market perception of regional banks is generally cautious due to concerns about interest rate sensitivity and potential loan defaults. It's a macro headwind that could impact GBNK.
- There are murmurs in the community about potential regulatory changes that could negatively impact smaller banks like GBNK. Uncertainty is never good for stock prices.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
GBNK Latest News
No recent news available for GBNK.
GBNK Financial Services Stock FAQ
What happened to Guaranty Bancorp (GBNK) stock?
Guaranty Bancorp (GBNK) no longer trades on public markets. It was delisted in December 2018. The figures below are historical and are not a current quote.
Can I still buy GBNK shares?
No. GBNK stopped trading on public markets in December 2018, so the shares are not available through a broker. Anything you see quoted for GBNK elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before GBNK stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Guaranty Bancorp. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Guaranty Bancorp do?
Guaranty Bancorp operates as a regional bank holding company, providing a range of financial services to individuals, small businesses, and commercial clients. These services include deposit accounts, loans (commercial, real estate, and consumer), and other financial products. The company focuses on building strong relationships with local businesses and residents within its operating region.
What are the main risks for GBNK?
Guaranty Bancorp faces several risks, including increased competition from larger national banks with greater resources and broader service offerings. Fluctuations in interest rates could impact the company's net interest income and profitability. An economic downturn could affect loan demand and credit quality, leading to increased loan losses.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for additional insights.
- Limited information available on specific growth strategies.