NASDAQ · Banks - Regional

Guaranty Bancshares, Inc. (GNTY) Stock

$48.75 -0.87% NASDAQ: GNTY Financial Services

Guaranty Bancshares, Inc. functions as the parent holding company for Guaranty Bank & Trust, N.A.

Valuation

MetricValue
Price$48.75
Market Cap$553.20M
P/E Ratio29.73
P/B Ratio1.67
P/S Ratio6.06
EPS (TTM)$1.64
52-Week High$52.34
52-Week Low$32.04
Dividend Yield23.59%

Financials & Margins

MetricValue
ROE5.68%
ROA0.59%
ROCE5.76%
Gross Margin70.70%
Operating Margin25.60%
Net Margin20.43%
Debt/Equity0.22
Current Ratio0.15

Annual Financials (USD)

Metric20202021202220232024
Revenue$119.0M$127.0M$147.0M$176.0M$181.0M
Operating Profit$33.0M$49.0M$49.0M$37.0M$39.0M
Net Profit$27.0M$40.0M$40.0M$30.0M$32.0M
EPS$2.24$3.26$3.34$2.56$2.74
Op Margin28.0%38.2%33.6%21.1%21.5%

Balance Sheet (USD)

Metric20202021202220232024
Total Assets$2.7B$3.1B$3.4B$3.2B$3.1B
Total Liabilities$2.5B$2.8B$3.1B$2.9B$2.8B
Cash$133.0M$68.0M$59.0M$53.0M$51.0M
Borrowings$157.0M$86.0M$346.0M$215.0M$73.0M

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Cash Flow (USD)

Metric20202021202220232024
Operating Cash Flow$43.0M$44.0M$39.0M$39.0M$47.0M
Investing Cash Flow$-172.0M$-206.0M$-691.0M$137.0M$104.0M
Financing Cash Flow$318.0M$384.0M$-4.0M$-40.0M$61.0M
Net Cash Flow$261.0M$148.0M$-393.0M$-17.0M$56.0M
Free Cash Flow$37.0M$41.0M$33.0M$32.0M$44.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.76
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y—
Return 3Y—
Return 5Y—

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AMNBAmerican National Bankshares Inc. $47.76 -0.33% 19.41 $507.72M 2.51%
CSTRCapStar Financial Holdings, Inc. $20.11 +0.05% 14.26 $418.56M 0.00%
EBTCEnterprise Bancorp, Inc. $39.64 -0.75% 12.66 $495.83M 2.52%
FRCFirst Republic Bank $3.51 — 0.43 $653.63M 0.00%
HTBHomeTrust Bancshares, Inc. $45.71 -1.55% 12.04 $768.17M 1.29%

About Guaranty Bancshares, Inc.

Guaranty Bancshares, Inc. functions as the parent holding company for Guaranty Bank & Trust, N.A. Through this subsidiary, it delivers a comprehensive suite of commercial and retail banking products and services designed for small and medium-sized enterprises, professionals, and individual clients. Its financial offerings encompass various deposit accounts, including checking, savings, money market, business accounts, and certificates of deposit. The bank also extends a wide range of loan products, such as commercial and industrial, construction and development, residential (both single-family and multi-family), commercial real estate, agricultural, and consumer loans. Beyond core banking, the company provides specialized services like trustee, custodial, escrow, investment management, and retirement planning. It supports client convenience with ATMs, night depositories, direct deposits, cashier's checks, debit cards, and letters of credit, alongside digital banking options via online, mobile, and telephone platforms. Additionally, it offers robust treasury management solutions for businesses, featuring wire transfers, positive pay, remote deposit capture, and automated clearinghouse (ACH) services. As of December 31, 2021, Guaranty Bancshares operated 32 full-service banking centers strategically located across East Texas, Central Texas, and the significant metropolitan areas of Dallas/Fort Worth and Houston. The company was established in 1913 and maintains its headquarters in Addison, Texas.

Guaranty Bancshares, Inc. is headquartered in US.

Guaranty Bancshares, Inc. (GNTY) stock trades at $48.75 with a market capitalization of $553.20M. The stock is valued at a price-to-earnings (P/E) ratio of 29.73, price-to-book of 1.67, price-to-sales of 6.06. Over the past 52 weeks the stock has ranged between $32.04 and $52.34, and currently trades 6.9% below its 52-week high. It pays a dividend yielding 23.59%.

On profitability, Guaranty Bancshares, Inc. generates a return on equity (ROE) of 5.68%, return on capital employed of 5.76%, an operating margin of 25.60%, a net profit margin of 20.43%.

Official website: www.gnty.com

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