Guaranty Financial Corporation (GFCJ) Stock Analysis
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 Financial Corporation (GFCJ) trades at $0.0003 with AI Score 44/100 (Grade C). Guaranty Financial Corporation, operating as Guaranty Bank, provides a range of banking services across Wisconsin, Illinois, Michigan, Minnesota, and Georgia. Sector: Financial services.
Price as of Aug 21, 2026 · 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. In the absence of analyst consensus, our AI model evaluates GFCJ against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
GFCJ: 2/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
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 | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
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 Could Drive GFCJ Stock Higher?
Potential cost-cutting measures to improve profitability.
- Strategic partnerships to enhance service delivery and expand customer reach.
- Expansion of digital banking services to attract and retain customers.
- Launch of targeted marketing campaigns to drive deposit growth and loan origination.
- Potential geographic expansion into adjacent markets (2027-2028).
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 the Growth Opportunities for GFCJ?
- Expansion of Digital Banking Services: Guaranty Financial Corporation can capitalize on the growing demand for digital banking by enhancing its online and mobile banking platforms. This includes offering a wider range of digital services, improving user experience, and investing in cybersecurity to protect customer data. The digital banking market is expected to continue growing, providing opportunities for GFCJ to attract and retain customers. Timeline: Ongoing.
- Strategic Partnerships: Collaborating with fintech companies or other financial institutions can enable Guaranty Financial Corporation to offer innovative products and services without significant upfront investment. This could include partnerships for online lending, payment processing, or wealth management. Strategic alliances can enhance GFCJ's competitiveness and expand its customer base. Timeline: Ongoing.
- Targeted Marketing Campaigns: Implementing targeted marketing campaigns to attract specific customer segments, such as millennials or small business owners, can drive deposit growth and loan origination. These campaigns should highlight the convenience of GFCJ's branch locations and the personalized service offered by its staff. Effective marketing can increase brand awareness and market share. Timeline: Ongoing.
- Geographic Expansion: While GFCJ already operates in five states, there may be opportunities to expand into adjacent markets or underserved communities. This could involve opening new branch locations or acquiring smaller banks. Careful market research and due diligence are essential to ensure successful geographic expansion. Timeline: 2027-2028.
- Focus on Small Business Lending: Guaranty Financial Corporation can focus on providing loans and other financial services to small businesses in its target markets. This segment often requires personalized attention and flexible financing options, which GFCJ can offer through its community banking model. Supporting small businesses can drive economic growth and strengthen GFCJ's reputation. Timeline: Ongoing.
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.
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.
How Guaranty Financial Corporation Is Valued
Relative to its peer group, GFCJ's quantitative score of 44/100 is below the peer average of 92/100.
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
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that executives believe in the potential for growth.
- Community sentiment has turned positive, with discussions highlighting Guaranty Financial's strong customer service and community engagement efforts.
- Analysts are noting an increase in demand for financial services, positioning Guaranty Financial to benefit from favorable market conditions.
- The company has been actively expanding its product offerings, which could attract a broader customer base and drive revenue growth.
Bear Case
- Concerns around economic uncertainty have led to skepticism about the financial sector, impacting market perception of Guaranty Financial.
- Recent discussions in the community reflect worries about rising interest rates potentially affecting profitability.
- Increased competition in the financial services industry may pressure Guaranty Financial's market share and margins.
- Some investors are cautious due to previous volatility in the sector, leading to a more bearish outlook among certain community members.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
GFCJ Latest News
No recent news available for GFCJ.
GFCJ Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for GFCJ.
Price Targets
Wall Street price target analysis for GFCJ.
GFCJ MoonshotScore
What does this score mean?
The MoonshotScore rates GFCJ 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
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 Financial Services Stock FAQ
What does the AI Score mean for GFCJ?
GFCJ holds an AI Score of 44/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Guaranty Financial Corporation, operating as Guaranty Bank, provides a range of banking services across Wisconsin, Illinois, Michigan, Minnesota, and Georgia. The company focuses on traditional …
What does Guaranty Financial Corporation do?
Guaranty Financial Corporation, through its subsidiary Guaranty Bank, provides a range of banking services to individuals and businesses. These services include checking and savings accounts, certificates of deposit, mortgage loans, debit and credit cards, and online and mobile banking. The company operates approximately 120 branch locations, primarily within grocery stores, across Wisconsin, Illinois, Michigan, Minnesota, and Georgia.
What are the main risks for GFCJ?
Guaranty Financial Corporation faces several key risks, including increasing competition from larger banks and fintech companies, interest rate fluctuations impacting net interest margin, and regulatory changes affecting the banking industry. The company's listing on the OTC Other market also presents unique risks, such as limited financial disclosure, low trading volume, and potential price volatility.
What are the key factors to evaluate for GFCJ?
Guaranty Financial Corporation (GFCJ) holds an AI score of 44/100 (low). Guaranty Financial Corporation presents a challenging investment case given its negative profit margin of -4.3% and the absence of a dividend. Not financial advice.
How frequently does GFCJ data refresh on this page?
GFCJ's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven GFCJ's recent stock price performance?
Guaranty Financial Corporation (GFCJ) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Convenient branch locations within grocery stores. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider GFCJ overvalued or undervalued right now?
Guaranty Financial Corporation (GFCJ) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research GFCJ before investing?
Before investing in Guaranty Financial Corporation (GFCJ), 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) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding GFCJ to a portfolio?
Key strength of Guaranty Financial Corporation (GFCJ): Convenient branch locations within grocery stores. 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 GFCJ, limiting the depth of financial analysis.
- OTC Other listing indicates higher risk and limited information availability.