Guaranty Federal Bancshares INC: insider trades · United States · SEC (Form 4)

About Guaranty Federal Bancshares INC

Guaranty Federal Bancshares Inc. (ticker: GFED) is a U.S. financial-services company historically tied to a community-banking franchise in Missouri and, in market terms, associated with U.S. listed equities on the NASDAQ side of its prior public trading history before being acquired by QCR Holdings in 2022. For French-speaking investors, the key takeaway is that this is not a diversified financial conglomerate but a regional banking platform built around traditional deposit gathering, lending, and relationship banking. The principal operating subsidiary, Guaranty Bank, has been headquartered in Springfield, Missouri, and the company’s public disclosures have long described a local franchise concentrated in the Springfield area and surrounding counties, with full-service branches and loan-production offices supporting retail and small-business banking. From a business-model perspective, Guaranty Federal Bancshares has been centered on plain-vanilla banking lines: consumer deposits, commercial deposits, residential mortgage lending, commercial real-estate lending, and broader small-business credit. That mix is characteristic of a community bank whose competitive advantage comes from local market knowledge, long-standing customer relationships, and a relatively close underwriting process rather than from scale, investment banking, or capital-markets activities. Its core customers have typically been households, professionals, and small to medium-sized businesses in southwest Missouri. As a result, the company’s earnings profile has historically been shaped by the local credit environment, net interest margin trends, and balance-sheet discipline, rather than by national or international fee businesses. In terms of market position, Guaranty Federal Bancshares operated as a regional franchise rather than a nationwide institution. Its competitive set consisted of other community banks, regional banks, and larger national lenders competing for deposits and loans in the Missouri market. That positioning generally implies modest geographic diversification but also a potentially stronger relationship-based franchise within its core footprint. The company’s relevance for equity analysts often came from its asset-quality trends, deposit base stability, and loan growth in its home region. A major recent development is the acquisition announced by QCR Holdings, which was completed in 2022 and effectively removed Guaranty Federal Bancshares from the independent public-company universe. That corporate action is important context for any SEC Form 4 insider-transaction work: historical insider filings remain relevant as a record of governance and ownership behavior, but they should be read in light of the company’s changed status after the transaction. Overall, GFED represents a classic U.S. community-bank story: a Springfield, Missouri-based lender focused on deposits and credit intermediation, with a local competitive moat, limited geographic reach, and a recent transformational M&A event that redefined the investment case.