Guaranty Financial Corporation (GFCJ) Stock Price & Analysis
Educational signal · not a buy or sell recommendation · How to read this
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 17, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerGuaranty Financial Corporation (GFCJ) trades at $0.0003. Guaranty Financial Corporation, operating as Guaranty Bank, provides a range of banking services across Wisconsin, Illinois, Michigan, Minnesota, and Georgia. Sector: Financials.
Price as of · Last analyzed: Mar 17, 2026Analyst Coverage for GFCJ: GFCJ does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
No score published: we hold no usable price for this ticker, and a grade beside a missing price says nothing.
Guaranty Financial Corporation (GFCJ) Financial Services Profile
Guaranty Financial Corporation, a regional bank holding company, provides traditional banking services through its Guaranty Bank subsidiary. Operating across five states with a focus on branch locations within grocery stores, GFCJ offers deposit accounts, loans, and digital banking solutions, facing challenges in a competitive and evolving financial landscape.
What Is the Investment Thesis for GFCJ?
Guaranty Financial Corporation presents a challenging investment case given its negative profit margin of -4.3% and the absence of a dividend. The company's strategy of locating branches primarily within grocery stores offers a unique convenience factor for customers, but its effectiveness in driving profitability and sustainable growth remains uncertain. Key value drivers would include improvements in operational efficiency to boost profitability, successful adaptation to digital banking trends, and expansion into new markets or service offerings. Upcoming catalysts include potential cost-cutting measures and strategic partnerships to enhance service delivery. However, potential risks include increasing competition from larger banks and fintech companies, as well as the impact of interest rate fluctuations on net interest margin.
Based on FMP financials and quantitative analysis
GFCJ Key Highlights
Operates approximately 120 branch locations across five states: Wisconsin, Illinois, Michigan, Minnesota, and Georgia.
- Branches are primarily located within grocery stores, offering convenient access to banking services.
- Offers a range of banking services including checking and savings accounts, mortgage loans, and online banking.
- The company has a negative profit margin of -4.3%, indicating challenges in profitability.
- The company does not offer a dividend, which may deter some investors.
Who Are GFCJ's Competitors?
GFCJ is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| OPHC OptimumBank Holdings, Inc. | $9.04 | +4.03% | $110M | 88 5-pillar |
| SBFG SB Financial Group, Inc. | $29.40 | 0.00% | $184M | 90 5-pillar |
| FCAP First Capital, Inc. | $62.90 | +1.45% | $210M | 88 5-pillar |
| HWBK Hawthorn Bancshares, Inc. | $38.63 | +1.02% | $267M | 89 5-pillar |
| FXNC First National Corporation | $30.06 | +1.45% | $272M | 88 5-pillar |
| ATLO Ames National Corporation | $32.36 | +1.99% | $287M | 91 5-pillar |
| BPRN Princeton Bancorp, Inc. | $43.72 | +1.30% | $298M | 90 5-pillar |
| CFFI C&F Financial Corporation | $98.30 | +1.50% | $320M | 91 5-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are GFCJ's Key Strengths?
Convenient branch locations within grocery stores.
- Established presence in local communities.
- Personalized service and community banking model.
- Long-standing history and reputation.
What Are GFCJ's Weaknesses?
Negative profit margin.
- Limited geographic diversification.
- Reliance on traditional banking products and services.
- Smaller scale compared to larger regional and national banks.
What Are the Key Risks for GFCJ?
Financial-distress signal — its Altman Z-Score of -0.84 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-14.5%) — the business is not currently generating profit on shareholder capital.
- Increasing competition from larger banks and fintech companies.
- Interest rate fluctuations impacting net interest margin.
- Regulatory changes affecting the banking industry.
- Economic downturns leading to increased loan defaults.
- Limited financial disclosure due to OTC Other listing.
What Are GFCJ's Competitive Advantages?
- Convenient branch locations within grocery stores provide a unique competitive advantage.
- Established presence in local communities fosters customer loyalty.
- Personalized service and community banking model differentiate it from larger banks.
- Long-standing history and reputation in the region.
What Does GFCJ Do?
Founded in 1923 and headquartered in Glendale, Wisconsin, Guaranty Financial Corporation operates as the bank holding company for Guaranty Bank. The bank provides a comprehensive suite of banking services, including checking and savings accounts, certificates of deposit, money market accounts, and individual retirement accounts. In addition to deposit products, Guaranty Bank offers mortgage loans, debit and credit cards, and modern banking conveniences such as online and mobile banking, bill pay, direct deposits, payroll, and merchant services. Guaranty Bank distinguishes itself through its extensive network of approximately 120 branch locations, primarily situated within grocery stores across Wisconsin, Illinois, Michigan, Minnesota, and Georgia. This strategic placement offers customers convenient access to banking services during their routine shopping trips. The company's focus on traditional banking products and services, coupled with its branch network strategy, caters to a specific segment of the market seeking accessible and convenient banking solutions. However, the company faces challenges related to profitability, as reflected in its negative profit margin of -4.3%. The company must adapt to the evolving financial landscape and increasing competition from larger regional and national banks, as well as fintech companies.
What Products and Services Does GFCJ Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers certificates of deposit and money market accounts.
- Provides mortgage loans for home purchases and refinancing.
- Issues debit and credit cards to customers.
- Offers online and mobile banking services.
- Provides bill pay and direct deposit services.
- Offers payroll and merchant services to businesses.
How Does GFCJ Make Money?
- Generates revenue from interest earned on loans.
- Collects fees for various banking services, such as account maintenance and transaction processing.
- Manages a network of branch locations, primarily within grocery stores.
- Attracts deposits from customers through competitive interest rates and convenient access.
What Industry Does GFCJ Operate In?
Guaranty Financial Corporation operates within the competitive regional banking sector. This sector is characterized by increasing consolidation, technological disruption, and evolving customer preferences. Regional banks face competition from larger national banks, credit unions, and fintech companies offering digital banking solutions. The industry is also subject to regulatory changes and interest rate fluctuations, which can impact profitability. Guaranty Financial Corporation's focus on branch locations within grocery stores differentiates it from some competitors, but it must adapt to changing market trends to remain competitive.
Who Are GFCJ's Key Customers?
- Individual consumers seeking basic banking services.
- Small businesses requiring loans and deposit accounts.
- Customers who value the convenience of branch locations within grocery stores.
- Customers seeking online and mobile banking solutions.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● No usable price
- ● No filing on record
- ● No analyst coverage
Company Profile
Guaranty Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Glendale, US. The company is led by CEO Gerald J. Levy. GFCJ has traded publicly since 2009.
Key Financial Metrics
Return on equity for Guaranty Financial Corporation stands at -14.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -0.4%, showing how much profit it generates from its asset base. A current ratio of 0.17 means current liabilities exceed short-term assets, a liquidity point worth watching.
Financial Health
Guaranty Financial Corporation's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.84 places it in the distress zone, a signal of elevated financial risk.
GFCJ Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
GFCJ Latest News
No recent news available for GFCJ.
GFCJ Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for GFCJ.
Price Targets
Wall Street price target analysis for GFCJ.
GFCJ MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for GFCJ; grades run from A+ (80-100) to F (below 30).
GFCJ OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Guaranty Financial Corporation may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and performance compared to companies listed on major exchanges like the NYSE or NASDAQ. This tier often includes companies with distressed financials, shell corporations, or those that are otherwise unable to meet listing requirements of higher exchanges.
- OTC Tier: OTC Other
- Limited financial disclosure increases the risk of investing in GFCJ.
- Low trading volume and wide bid-ask spreads can lead to price volatility.
- The OTC Other tier carries a higher risk of fraud or manipulation compared to major exchanges.
- GFCJ may not meet the minimum financial standards or reporting requirements of higher exchanges.
- The company's distressed financials contribute to the overall risk profile.
- Verify the company's financial statements and SEC filings (if available).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Review the company's OTC Markets profile for any disclosures or warnings.
- Consult with a financial advisor before investing.
- Understand the risks associated with investing in OTC Other stocks.
- Confirm the legitimacy of the company's operations and assets.
- Long-standing history and reputation in the region (founded in 1923).
- Operation of approximately 120 branch locations across five states.
- Provision of traditional banking services to individuals and businesses.
- Focus on community banking and personalized service.
- AI analysis pending for GFCJ.
GFCJ Financials Stock FAQ
What do analysts say about GFCJ stock?
Given that the company trades on the OTC Other market, analyst coverage is likely to be limited. Investors should conduct their own thorough research and due diligence before investing. Key valuation metrics to consider include the company's price-to-book ratio and return on assets, relative to its peers.
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
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- OTC Other listing indicates higher risk and limited information availability.