Guaranty Financial Corporation (GFCJ) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Guaranty Financial Corporation $0.00, price $0.00, upside +0.3%, quality 43 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Guaranty Financial Corporation operates as the bank holding company for Guaranty Bank that provides various banking services in Wisconsin, Illinois, Michigan, Minnesota, and Georgia. It accepts various checking and savings accounts, certificates of deposit, money market accounts, and individual retirement accounts.
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Guaranty Financial Corporation operates as the bank holding company for Guaranty Bank that provides various banking services in Wisconsin, Illinois, Michigan, Minnesota, and Georgia. It accepts various checking and savings accounts, certificates of deposit, money market accounts, and individual retirement accounts. The company also offers mortgage loans; and debit and credit cards, online and mobile banking, bill pay, direct deposits, payroll, and merchant services. The company was founded in 1923 and is based in Glendale, Wisconsin.
Stock analysis
Guaranty Financial Corporation (GFCJ) currently trades at $0.0003, while our model-based Fair Value estimate is $0.0003, so the stock looks roughly fairly valued today (gap 0.3%).
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Valuation
How firm this estimate is: it rests on 6 models at a data quality of 88/100, which puts the evidence level at low.
Quality & growth
The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Guaranty Financial Corporation reported revenue of $94.7M in FY2015 versus $174M in FY2011, a compound −14.1%/yr. Reported net income was −$4.1M in FY2015.
Key figures
Market cap $561 · Net margin −4.3% · Return on assets (EBIT) −0.6% · Free cash flow −$18.8M · Net debt $45.0M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 50% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 0%, GFCJ screens cheaper than that median.
Fair Value models
Bear $0.0003Fair Value $0.0003Bull $0.0003
Price $0.0003 · Upside +0.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.0/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−23.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−21.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−12.5%
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.4%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−10.9% (2010) → 2.3% (2015)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2015 is a loss year, no rate is defined from a loss
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1059 stocks
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Is Guaranty Financial Corporation (GFCJ) overvalued or undervalued?
As of Oct 4, 2026, our model estimates a fair value of $0.0003 versus a price of $0.0003, about +0% upside (fairly valued).
What is the fair value of GFCJ?
Our model-based fair value for Guaranty Financial Corporation is $0.0003 (as of Oct 4, 2026), built from audited fundamentals. The current price: $0.0003.
What is the quality score of GFCJ?
Guaranty Financial Corporation has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Guaranty Financial Corporation (GFCJ)?
Our model-based price target is the fair value of $0.0003 (as of Oct 4, 2026) from 6 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Guaranty Financial Corporation stock forecast for 2026?
Our models put fair value at $0.0003, about +0% upside versus a price of $0.0003 (fairly valued). The calculation is refreshed regularly with new filings.
What is the intrinsic value of Guaranty Financial Corporation (GFCJ)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Guaranty Financial Corporation it is $0.0003 per share (as of Oct 4, 2026), against a price of $0.0003. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Guaranty Financial Corporation stock overvalued or undervalued in 2026?
As of Oct 4, 2026, GFCJ trades below its calculated fair value: price $0.0003, fair value $0.0003, a gap of about +0% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GFCJ?
No. The price is what the market pays today ($0.0003); the fair value is what the company's own numbers justify ($0.0003). For Guaranty Financial Corporation the two are $0.0000 per share apart. That gap is exactly why we show both numbers side by side.
How much is Guaranty Financial Corporation worth?
The market values Guaranty Financial Corporation at about $561 (market capitalisation, as of Oct 4, 2026). Per share that is $0.0003; our models calculate a fair value of $0.0003 per share.
How far is GFCJ from its 52-week high?
Guaranty Financial Corporation trades at $0.0003, at its 52-week high of $0.0003 and 50% above the low of $0.0002 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0003 is for.
Which stocks are comparable to Guaranty Financial Corporation?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Guaranty Financial Corporation stock attractive at the current price?
The data as of Oct 4, 2026: price $0.0003, calculated fair value $0.0003 (+0%), Quality Score 43/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GFCJ calculated?
We run Guaranty Financial Corporation through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.0003, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.0 % above its aggregate fair value. Guaranty Financial Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Guaranty Financial Corporation (GFCJ)?
The closing price on Oct 2, 2026 was $0.0003. Our model-based fair value is $0.0003, about +0% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Guaranty Financial Corporation right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Guaranty Financial Corporation
How large is the market capitalisation of Guaranty Financial Corporation (GFCJ)?
The market capitalisation of Guaranty Financial Corporation is $561. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the net margin of Guaranty Financial Corporation (GFCJ)?
The net margin of Guaranty Financial Corporation is −4.3% (fiscal year 2015). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Guaranty Financial Corporation (GFCJ)?
On an EBIT basis the return on assets of Guaranty Financial Corporation is −0.6% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much free cash flow does Guaranty Financial Corporation (GFCJ) generate?
The free cash flow of Guaranty Financial Corporation is −$18.8M (fiscal year 2015). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Guaranty Financial Corporation (GFCJ) carry?
The net debt of Guaranty Financial Corporation is $45.0M (fiscal year 2010). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Oct 4, 2026