Guaranty Bancorp (GBNK)
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. With a focus on community banking, the company emphasizes local relationships and personalized service. Sector: Financial services.
Price live · AI analysis from 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 an underweight signal based on the underlying data.
GBNK: 1/1 perspectives are bearish.
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 15.07, 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 15.07 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 | $87.44 | +2.25% | 268B | 41 |
| BAC Bank of America Corporation | $59.90 | +1.99% | 426B | 84 |
| JPM JPMorgan Chase & Co. | $337.72 | +0.97% | 905B | 81 |
| 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 Opportunities Does GBNK Have?
- Expansion into new markets through acquisitions.
- Growth in digital banking and wealth management services.
- Increased demand for commercial loans from small businesses.
- Strategic partnerships with fintech companies.
What Threats Does GBNK Face?
- Increased competition from larger national banks.
- Regulatory changes impacting the banking industry.
- Economic downturn affecting loan demand and credit quality.
- Cybersecurity risks and data breaches.
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.
ROE 10%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.
Net sellingInsider 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 Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for GBNK.
Price Targets
Wall Street price target analysis for GBNK.
GBNK MoonshotScore
What does this score mean?
The MoonshotScore rates GBNK's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
GBNK Financial Services Stock FAQ
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. Guaranty Bancorp aims to deliver competitive products and services while maintaining a strong focus on customer satisfaction and community involvement, differentiating itself through personalized customer service and local market expertise.
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. Cybersecurity risks and data breaches pose ongoing threats to the company's operations and reputation. Regulatory changes in the banking industry could also impact Guaranty Bancorp's compliance costs and business model.
What are the key factors to evaluate for GBNK?
Evaluate GBNK on fundamentals, analyst consensus, and risk factors. Not financial advice.
How frequently does GBNK data refresh on this page?
GBNK prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven GBNK's recent stock price performance?
Guaranty Bancorp (GBNK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence and customer relationships. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider GBNK overvalued or undervalued right now?
Valuing Guaranty Bancorp (GBNK) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying GBNK?
Before investing in Guaranty Bancorp (GBNK), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding GBNK to a portfolio?
Key strength of Guaranty Bancorp (GBNK): Strong local presence and customer relationships. Weigh rewards against risks and diversify. Not financial advice.
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.