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Guaranty Bancshares Inc (GNTY)
NYSE:GNTY
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Guaranty Bancshares
(NYSE:GNTY)
71Outperform
Guaranty Bancshares (GNTY) vs. S&P 500 (SPY)
Market Cap
$480.63M
Dividend Yield2.3%
Average Volume (3M)29.27K
Price to Earnings (P/E)14.5
Beta (1Y)0.77
Revenue Growth0.13%
EPS Growth19.68%
CountryUS
Employees485
SectorFinancial
Sector Strength84
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.75
Shares Outstanding11,341,051
10 Day Avg. Volume29,013
30 Day Avg. Volume29,272
Financial Highlights & Ratios
PEG Ratio2.11
Price to Book (P/B)1.42
Price to Sales (P/S)0.00
P/FCF Ratio44.53
Enterprise Value/Market Cap1.15
Enterprise Value/Revenue1.09
Enterprise Value/Gross Profit3.38
Enterprise Value/Ebitda3.91
Forecast
1Y Price Target
$43.00Price Target Upside1.46% Upside
Rating ConsensusHold
Number of Analyst Covering1
Guaranty Bancshares Business Overview & Revenue Model
Company DescriptionGuaranty Bancshares, Inc. (GNTY) is a bank holding company based in Texas, operating through its wholly-owned subsidiary, Guaranty Bank & Trust, N.A. The company provides a wide range of banking and financial services to individuals, businesses, and municipalities. Its offerings include personal and commercial banking, mortgage lending, and wealth management services, with a focus on delivering personalized, community-oriented service across its network of branches in Texas.
How the Company Makes MoneyGuaranty Bancshares generates revenue primarily through interest income from its lending activities, which include personal, commercial, and real estate loans. The company also earns non-interest income from service charges on deposit accounts, fees from wealth management and fiduciary activities, and gains on the sale of loans. Additionally, Guaranty Bancshares benefits from strategic partnerships with financial service providers to enhance its product offerings and expand its market reach, contributing to its diversified revenue streams.
Guaranty Bancshares Financial Statement Overview
Summary
Guaranty Bancshares demonstrates financial resilience with a strong balance sheet, effective cash flow management, and profitability despite inconsistent revenue. The absence of debt in 2024 enhances its financial stability, positioning it well for future growth.Income Statement
The income statement shows a mixed performance. The company experienced significant revenue fluctuation, with a notable decrease in total revenue from 2021 to 2022, but rebounded in 2023. Despite the revenue volatility, net income has been relatively stable, and the company maintained a positive net profit margin. However, the lack of current revenue data for 2024 limits the ability to assess the most recent performance.65
Positive
Balance Sheet
The balance sheet reflects strong financial stability with no debt reported in 2024, and a solid equity base. The equity ratio is favorable, indicating a healthy financial structure. The company's stockholders' equity has shown resilience over the years, and the absence of liabilities in 2024 suggests prudent financial management.80
Positive
Cash Flow
Cash flow statements indicate consistent operating cash flow, with a positive free cash flow throughout the years. The company has managed its cash flow effectively, despite fluctuations in financing activities and investment cash flows. The operating cash flow to net income ratio is strong, reflecting efficient cash management.75
Positive
| Breakdown | ||||
| Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 115.61M | 116.59M | 2.71M | 120.13M | 113.02M | Gross Profit |
| 115.61M | 116.59M | 2.71M | 120.13M | 113.02M | EBIT |
| 38.96M | 37.14M | 64.66M | 48.56M | 33.30M | EBITDA |
| 0.00 | 41.78M | 54.19M | 54.07M | 38.76M | Net Income Common Stockholders |
| 31.54M | 30.04M | 40.45M | 39.81M | 27.40M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 1.75M | 2.99M | 248.12M | 409.84M | 513.76M | Total Assets |
| 3.12B | 3.18B | 3.35B | 3.09B | 2.74B | Total Debt |
| 41.92M | 190.28M | 339.15M | 72.31M | 140.91M | Net Debt |
| -1.75M | 137.34M | 279.96M | 4.68M | 7.95M | Total Liabilities |
| 2.80B | 2.88B | 3.06B | 2.78B | 2.47B | Stockholders Equity |
| 318.50M | 303.30M | 294.98M | 302.21M | 272.64M |
| Cash Flow | Free Cash Flow | |||
| 44.11M | 32.43M | 33.16M | 40.65M | 36.62M | Operating Cash Flow |
| 47.42M | 39.21M | 38.85M | 43.54M | 42.52M | Investing Cash Flow |
| 107.71M | 144.03M | -684.96M | -202.68M | -165.77M | Financing Cash Flow |
| -98.69M | -200.18M | 252.98M | 306.95M | 384.32M |
Guaranty Bancshares Technical Analysis
Positive
42.38
Price Trends
39.64
Positive
38.96
Positive
36.37
Positive
Market Momentum
0.70
Negative
68.79
Neutral
95.01
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GNTY, the sentiment is Positive. The current price of 42.38 is above the 20-day moving average (MA) of 40.32, above the 50-day MA of 39.64, and above the 200-day MA of 36.37, indicating a bullish trend. The MACD of 0.70 indicates Negative momentum. The RSI at 68.79 is Neutral, neither overbought nor oversold. The STOCH value of 95.01 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GNTY.
Guaranty Bancshares Risk Analysis
Guaranty Bancshares disclosed 65 risk factors in its most recent earnings report. Guaranty Bancshares reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Guaranty Bancshares Peers Comparison
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | $468.69M | 10.95 | 9.67% | 3.85% | 6.33% | 3.44% | |
71 Outperform | $480.63M | 14.46 | 10.62% | 2.30% | 0.13% | 19.68% | |
68 Neutral | $502.71M | 12.30 | 11.31% | 2.41% | 13.97% | 12.00% | |
67 Neutral | $478.12M | 9.88 | 8.83% | 3.10% | 8.67% | ― | |
66 Neutral | $541.82M | 13.27 | 12.19% | 1.16% | 18.85% | 6.74% | |
64 Neutral | $12.83B | 9.83 | 7.64% | 16985.66% | 12.34% | -5.73% | |
54 Neutral | $541.55M | 8.52 | -5.18% | 4.45% | -23.31% | -169.87% |
* Financial Sector Average
Performance Comparison
GNTY
Guaranty Bancshares
42.38
13.53
46.90%
BHB
Bar Harbor Bankshares
30.59
5.06
19.82%
CCNE
Cnb Financial
22.79
3.44
17.78%
EBTC
Enterprise Bancorp
40.19
15.17
60.63%
FISI
Financial Institutions
26.93
9.43
53.89%
CBNK
Capital Bancorp
32.71
12.81
64.37%
Guaranty Bancshares Earnings Call Summary
Earnings Call Date:Apr 21, 2025
(Q1-2025)
| % Change Since: 8.31%|
Next Earnings Date:Jul 21, 2025
Earnings Call Sentiment Positive
The earnings call reflects a positive outlook with strong asset growth, improved net interest margin, and increased dividends, demonstrating financial resilience. Although there are some challenges with decreases in net loans and noninterest income, as well as increased expenses, the overall financial position remains robust.Q1-2025 Updates
Positive Updates
Increase in Total Assets
Total assets increased by $37 million during the first quarter, with cash up nearly $72 million due to loan and securities-related cash flows.
Improvement in Net Interest Margin
Net interest margin increased to 3.7% in the first quarter from 3.54% in the fourth quarter and 3.16% during the same quarter last year.
Improvement in Unrealized Losses
Unrealized losses on AFS securities pretax decreased from $20.8 million to $14.7 million, an improvement of about $6 million.
Increased Dividend
Dividend increased to $0.25 per share from $0.24 per share for each quarter in 2024.
Strong Liquidity Position
Liquidity ratio stands at 19.8% compared to 16.5% at year-end, with significant cash balances and contingent liquidity available.
Low Nonperforming Assets
Nonperforming assets remain at low levels with NPAs to total assets at 0.15% at March 31st.
Negative Updates
Decrease in Net Loans
Net loans decreased by $23 million during the first quarter.
Noninterest Income Decrease
Noninterest income decreased by $693,000 during the first quarter compared to the fourth quarter.
Increased Noninterest Expense
Noninterest expense increased by $1.3 million in the first quarter compared to the fourth quarter.
Decreased Return on Average Assets and Equity
Return on average assets decreased to 1.13% from 1.27% last quarter, and return on average equity decreased to 10.83% from 12.68%.
Company Guidance
During the first quarter of 2025, Guaranty Bancshares, Inc. experienced a net interest margin increase to 3.7%, up from 3.54% in the fourth quarter of 2024 and 3.16% in the same quarter last year, driven by the repricing of loan securities and deposits. Total assets grew by $37 million, with cash increasing by $72 million and deposits rising by $12.2 million. Despite a $23 million decrease in net loans and a $7.2 million drop in the securities portfolio, the bank's solid loan pipeline suggests potential growth. Net income stood at $8.6 million, contributing to a $6.7 million equity increase. The bank maintained a return on average assets of 1.13% and a return on average equity of 10.83%. The efficiency ratio was reported at 66.78%, and the allowance for credit losses was 1.32% of total loans. Guaranty Bancshares also executed a share repurchase of 127,537 shares and declared a $0.25 per share dividend, highlighting its strong capital position and strategic growth opportunities.Guaranty Bancshares Corporate Events
Stock BuybackDividendsFinancial Disclosures
Guaranty Bancshares Reports Q1 2025 Financial Results
Neutral
Apr 21, 2025
Guaranty Bancshares, Inc. reported its financial results for the first quarter of 2025, showing a net income of $8.6 million, a decrease from the previous quarter but an increase from the same quarter last year. The company experienced a decrease in earnings compared to the fourth quarter of 2024 due to higher noninterest expenses and lower noninterest income, but saw an increase from the first quarter of 2024 due to improved net interest income. The company’s net interest margin improved to 3.70% from 3.16% in the previous year, driven by a decrease in deposit costs and an increase in earning asset yields. Guaranty Bancshares maintained strong asset quality, with nonperforming assets at 0.15% of total assets, and continued to enhance shareholder value through stock repurchases and dividend increases. Despite market volatility, the company reported no significant negative impacts on its projections for the year.
Spark’s Take on GNTY Stock
According to Spark, TipRanks’ AI Analyst, GNTY is a Outperform.
Guaranty Bancshares exhibits robust financial stability with no debt, strong cash flow management, and a favorable equity position. The positive outlook from the latest earnings call, including future growth plans and stock buybacks, contributes to a generally optimistic perspective. However, the stock’s technical indicators suggest a cautious approach due to neutral momentum.
To see Spark’s full report on GNTY stock, click here.
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.