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Guaranty Bancshares Inc (GNTY)
NYSE:GNTY
Earnings Data
Report Date
Jul 21, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.8Last Year’s EPS
0.65Same Quarter Last Year
Based on 1 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 21, 2025
|% Change Since: 0.54%
|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.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.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.
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GNTY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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GNTY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 21, 2025 | $39.13 | $39.47 | +0.87% |
| Jan 21, 2025 | $35.10 | $38.52 | +9.74% |
| Oct 21, 2024 | $34.28 | $32.10 | -6.36% |
| Jul 15, 2024 | $32.08 | $31.48 | -1.87% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Guaranty Bancshares Inc (GNTY) report earnings?
Guaranty Bancshares Inc (GNTY) is schdueled to report earning on Jul 21, 2025, TBA Not Confirmed.
What is Guaranty Bancshares Inc (GNTY) earnings time?
Guaranty Bancshares Inc (GNTY) earnings time is at Jul 21, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is GNTY EPS forecast?
GNTY EPS forecast for the fiscal quarter 2025 (Q2) is 0.8.
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