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Profile - GFSB Bancorp, Inc. (NasdaqSC:GUPB)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Msgs
Recent Events
Aug 31Price hit new 52-week high ($14.00)
Location
221 West Aztec Avenue
Gallup, NM 87301
Phone: (505) 726-6500
Fax: (505) 722-9205
Employees (last reported count): 35
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Related Links
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Ownership
·Insider and 5%+ Owners: 48%
·Institutional: 0% (0% of float)
(one institution)
·Net Inst. Selling: 13.0K shares
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
GFSB Bancorp, Inc. is a unitary savings and loan holding company. The Company's wholly owned subsidiary, Gallup Federal Savings Bank, is a community oriented, full service retail savings institution offering primarily traditional mortgage loan products. The Bank attracts deposits from the general public and uses such deposits primarily to invest in residential lending on owner occupied properties. The Bank also makes consumer, commercial real estate, commercial, construction, and multi-family loans. The Bank's market area consists of Gallup, New Mexico and the surrounding communities of McKinley County, New Mexico. At June 30, 2000, the Company had total assets of $176.8 million, total deposits of $79.9 million, and total stockholders' equity of $12.7 million.
More from Market Guide: Expanded Business Description

Financial Summary
GFSB Bancorp is the savings and loan holding company for Gallup Federal Savings Bank. For the nine months ended 3/31/01, interest income rose 24% to $10.8 million. Net interest income after loan loss provision rose 6% to $3.7 million. Net income rose 20% to $1.2 million. Net interest income reflects an increase in the loan portfolio, partially offset by a higher loan loss provision. Net income reflects increased service charge income and decreased insurance expenses.
More from Market Guide: Significant Developments

Officers
FY2000 Pay

Richard Kauzlaric, 62
Chairman, Pres, CEO
$24K
James Nechero, Jr., 66
Vice Chairman
--  
Jerry Spurlin, 58
CFO, Assistant Sec.
116K
Richard Gallegos, 49
Pres of the Bank
143K
Leonard Scalzi, 52
Sr. VP - Commercial Lending Officer
--  
Dollar amounts are as of 30-June-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqSC:GUPBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 28-Dec-2000
$10.50 
Recent Price$14.00 
52-Week High
on 31-Aug-2001
$14.00 
Beta0.26 
Daily Volume (3-month avg)182 
Daily Volume (10-day avg)0 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+23.9%
52-Week Change
relative to S&P500
+66.2%
Share-Related Items
Market Capitalization$16.1M
Shares Outstanding1.15M
Float600.0K
Dividends & Splits
Annual Dividend (indicated)$0.36 
Dividend Yield2.57%
Last Split: 5 for 4 on 18-Dec-2000
Per-Share Data
Book Value (mrq)$12.67 
Earnings (ttm)$1.55 
Earnings (mrq)$0.39 
Sales (ttm)$12.43 
Cash (mrq)$2.47 
Valuation Ratios
Price/Book (mrq)1.10 
Price/Earnings (ttm)9.04 
Price/Sales (ttm)1.13 
Income Statements
Sales (ttm)$14.1M
EBITDAN/A 
Income available to common (ttm)$1.75M
Profitability
Profit Margin (ttm)12.5%
Operating Margin (ttm)34.5%
Fiscal Year
Fiscal Year EndsJune 30
Most recent quarter31-Mar-2001
Management Effectiveness
Return on Assets (ttm)0.96%
Return on Equity (ttm)13.10%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$2.84M
Short Interest
As of 8-Aug-2001
Shares Short1,000 
Percent of Float0.2%
Shares Short
(Prior Month)
1,000 
Daily Volume0 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 31-Mar-2001)

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