GUARANTY BANCSHARES INC (GNTY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GNTY - US4007641065 - Common Stock
48.75 USD
-0.43 (-0.87%)
48.75 USD
0 (0%)
GNTY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. While GNTY is still in line with the averages on profitability rating, there are concerns on its financial health. GNTY has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year GNTY was profitable.
In the past year GNTY had a positive cash flow from operations.
GNTY had positive earnings in each of the past 5 years.
Each year in the past 5 years GNTY had a positive operating cash flow.
1.2 Ratios
The Return On Assets of GNTY (1.15%) is better than 75.26% of its industry peers.
GNTY has a better Return On Equity (10.88%) than 76.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 10.88% | ||
| ROIC | N/A |
ROA(3y)1.05%
ROA(5y)1.09%
ROE(3y)11.17%
ROE(5y)11.34%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
GNTY has a Profit Margin of 28.55%. This is in the better half of the industry: GNTY outperforms 76.02% of its industry peers.
GNTY's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for GNTY so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.55% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.05%
PM growth 5Y-0.62%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
GNTY does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, GNTY has less shares outstanding
GNTY has less shares outstanding than it did 5 years ago.
The debt/assets ratio for GNTY has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of GNTY is 1.62, which is an excellent value as it means it would take GNTY, only 1.62 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.62, GNTY is in line with its industry, outperforming 54.59% of the companies in the same industry.
GNTY has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
GNTY has a worse Debt to Equity ratio (0.22) than 60.20% of its industry peers.
Although GNTY does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.62 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GNTY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 37.72%, which is quite impressive.
Measured over the past 5 years, GNTY shows a small growth in Earnings Per Share. The EPS has been growing by 6.10% on average per year.
Looking at the last year, GNTY shows a quite strong growth in Revenue. The Revenue has grown by 10.60% in the last year.
GNTY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.34% yearly.
EPS 1Y (TTM)37.72%
EPS 3Y-4.93%
EPS 5Y6.1%
EPS Q2Q%33.85%
Revenue 1Y (TTM)10.6%
Revenue growth 3Y-0.44%
Revenue growth 5Y4.34%
Sales Q2Q%16.66%
3.2 Future
GNTY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.10% yearly.
The Revenue is expected to grow by 9.08% on average over the next years. This is quite good.
EPS Next Y21.66%
EPS Next 2Y13.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.5%
Revenue Next 2Y9.08%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 15.53, GNTY is valued correctly.
71.43% of the companies in the same industry are cheaper than GNTY, based on the Price/Earnings ratio.
GNTY is valuated rather cheaply when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 13.86, which indicates a correct valuation of GNTY.
Based on the Price/Forward Earnings ratio, GNTY is valued a bit more expensive than the industry average as 71.68% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of GNTY to the average of the S&P500 Index (23.23), we can say GNTY is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.53 | ||
| Fwd PE | 13.86 |
4.2 Price Multiples
GNTY's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
GNTY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
GNTY's earnings are expected to grow with 13.10% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.72
PEG (5Y)2.55
EPS Next 2Y13.1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.05%, GNTY has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.78, GNTY is paying slightly less dividend.
GNTY's Dividend Yield is comparable with the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.05% |
5.2 History
On average, the dividend of GNTY grows each year by 8.61%, which is quite nice.
GNTY has been paying a dividend for at least 10 years, so it has a reliable track record.
As GNTY did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)8.61%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
30.69% of the earnings are spent on dividend by GNTY. This is a low number and sustainable payout ratio.
GNTY's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP30.69%
EPS Next 2Y13.1%
EPS Next 3YN/A
48.75
-0.43 (-0.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners31.29%
Inst Owner Change0%
Ins Owners14.62%
Ins Owner Change-166.63%
Market Cap553.31M
Revenue(TTM)126.28M
Net Income(TTM)36.06M
Analysts80
Price Target53.04 (8.8%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.05% |
Yearly Dividend0.95
Dividend Growth(5Y)8.61%
DP30.69%
Div Incr Years7
Div Non Decr Years7
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.16%
Min EPS beat(2)3.56%
Max EPS beat(2)6.75%
EPS beat(4)4
Avg EPS beat(4)14.13%
Min EPS beat(4)3.56%
Max EPS beat(4)40.59%
EPS beat(8)7
Avg EPS beat(8)11.19%
EPS beat(12)9
Avg EPS beat(12)8.95%
EPS beat(16)11
Avg EPS beat(16)8.25%
Revenue beat(2)2
Avg Revenue beat(2)0.09%
Min Revenue beat(2)0.06%
Max Revenue beat(2)0.13%
Revenue beat(4)3
Avg Revenue beat(4)1.15%
Min Revenue beat(4)-1.8%
Max Revenue beat(4)6.2%
Revenue beat(8)5
Avg Revenue beat(8)-0.13%
Revenue beat(12)6
Avg Revenue beat(12)-0.51%
Revenue beat(16)9
Avg Revenue beat(16)-0.34%
PT rev (1m)0%
PT rev (3m)15.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.4%
EPS NY rev (1m)0%
EPS NY rev (3m)1.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.22%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.53 | ||
| Fwd PE | 13.86 | ||
| P/S | 4.38 | ||
| P/FCF | 12.4 | ||
| P/OCF | 12.11 | ||
| P/B | 1.67 | ||
| P/tB | 1.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.14
EY6.44%
EPS(NY)3.52
Fwd EY7.22%
FCF(TTM)3.93
FCFY8.06%
OCF(TTM)4.03
OCFY8.26%
SpS11.13
BVpS29.19
TBVpS26.28
PEG (NY)0.72
PEG (5Y)2.55
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 10.88% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.55% | ||
| GM | N/A | ||
| FCFM | 35.33% |
ROA(3y)1.05%
ROA(5y)1.09%
ROE(3y)11.17%
ROE(5y)11.34%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.05%
PM growth 5Y-0.62%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.62 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 20.92% | ||
| Cap/Sales | 0.86% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 123.73% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC7.73%
ROIC/WACCN/A
Cap/Depr(3y)107.77%
Cap/Depr(5y)96.76%
Cap/Sales(3y)4.27%
Cap/Sales(5y)4.09%
Profit Quality(3y)109.97%
Profit Quality(5y)113.14%
High Growth Momentum
Growth
EPS 1Y (TTM)37.72%
EPS 3Y-4.93%
EPS 5Y6.1%
EPS Q2Q%33.85%
EPS Next Y21.66%
EPS Next 2Y13.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.6%
Revenue growth 3Y-0.44%
Revenue growth 5Y4.34%
Sales Q2Q%16.66%
Revenue Next Year13.5%
Revenue Next 2Y9.08%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y43.86%
FCF growth 3Y2.77%
FCF growth 5Y10.35%
OCF growth 1Y21.2%
OCF growth 3Y2.89%
OCF growth 5Y8.15%
GUARANTY BANCSHARES INC / GNTY FAQ
Can you provide the ChartMill fundamental rating for GUARANTY BANCSHARES INC?
ChartMill assigns a fundamental rating of 4 / 10 to GNTY.
Can you provide the valuation status for GUARANTY BANCSHARES INC?
ChartMill assigns a valuation rating of 4 / 10 to GUARANTY BANCSHARES INC (GNTY). This can be considered as Fairly Valued.
Can you provide the profitability details for GUARANTY BANCSHARES INC?
GUARANTY BANCSHARES INC (GNTY) has a profitability rating of 4 / 10.
What is the financial health of GUARANTY BANCSHARES INC (GNTY) stock?
The financial health rating of GUARANTY BANCSHARES INC (GNTY) is 3 / 10.
Can you provide the expected EPS growth for GNTY stock?
The Earnings per Share (EPS) of GUARANTY BANCSHARES INC (GNTY) is expected to grow by 21.66% in the next year.