Last $14.82 USD
Change Today -0.16 / -1.07%
Volume 12.5K
GBNK On Other Exchanges
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NASDAQ GS
As of 2:20 PM 11/28/14 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

1331 Seventeenth Street

Suite 345

Denver, CO 80202

United States

Phone: 303-675-1194

Fax:

Guaranty Bancorp operates as the holding company for Guaranty Bank and Trust Company that provides banking and other financial services. The company provides commercial and industrial, real estate, construction, energy, consumer, and agricultural loans throughout its targeted Colorado markets to consumers and small to medium-sized businesses, including the owners and employees of those businesses. The bank and its subsidiary, Private Capital Management, also provide wealth management services, including private banking, investment management, and trust services. All loans are secured by specific items of collateral, including business assets, consumer assets, and commercial and residential real estate. The company operates 27 branches and 1 investment advisory firm, located throughout Colorado’s Front Range, including the Denver metropolitan area. The region includes the counties of Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Jefferson, Larimer, and Weld. Lending Activities The company concentrates its lending activities in the following principal areas: Commercial Loans: The company’s commercial and industrial loan portfolio includes operating loans secured by business assets. The company classifies loans by borrowers’ intended purpose for the loan rather than based on the underlying collateral. Therefore, the company includes loans within this portfolio that are collateralized with various assets, including real estate. Commercial and Residential Real Estate Loans: This portfolio includes loans secured by commercial and residential real estate. The commercial real estate portfolio consists of owner-occupied, retail and industrial, office, and multi-family properties. Construction Loans: The company’s construction loan portfolio includes investor-developed and owner-occupied properties, and single-family residential development properties. In addition, this category includes loans for the construction of commercial buildings, which are primarily income-producing properties. Installment Loans to Individuals and Other Consumer Loans: This category includes miscellaneous consumer loans, including overdraft protection and lines of credit. Consumer loans might be unsecured or secured by depreciable assets. Agriculture Loans: The company’s agriculture land-secured portfolio primarily includes real estate loans to working farms in counties within its geographic footprint. Its agriculture operating loan portfolio includes operating loans to working farms in the same counties. Small Business Administration (SBA) Loans: The company’s SBA portfolio consists of SBA guaranteed and other SBA-related loans. The guaranteed loans are for qualifying business purposes with maturity dates ranging from 7 to 25 years. The SBA guarantees approximately 90% of the financing for these types of loans. The SBA-related loans are originated in partnership with the SBA under the SBA’s 504 program primarily on owner-occupied commercial real estate with maturity dates ranging from 10 to 20 years. Securities As of December 31, 2013, the company’s investment portfolio included state and municipal securities, mortgage-backed securities - agency/residential, mortgage-backed securities - private/residential, asset-backed securities, marketable equity securities, trust preferred securities, and corporate securities. Deposits The company provides traditional deposit accounts, such as demand, interest-bearing demand, NOW, money market, IRA, time deposits, and savings accounts. Strategy The company’s strategy to build a profitable, community-banking franchise along the Colorado Front Range spanning from Castle Rock to Fort Collins has not changed over the past various years. The strategy for serving the company’s target markets is the delivery of a finely-focused set of value-added products and services that satisfy the primary needs of its customers, emphasizing superior service and relationships as opposed to transaction volume or low pricing. Supervision and Regulation The company is a bank holding company registered under the Bank Holding Company Act of 1956, as amended; and is subject to inspe

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GBNK

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Valuation GBNK Industry Range
Price/Earnings 19.2x
Price/Sales 3.8x
Price/Book 1.5x
Price/Cash Flow 19.9x
TEV/Sales 0.9x
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