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%)
We assign a fundamental rating of 4 out of 10 to GNTY. GNTY was compared to 387 industry peers in the Banks industry. There are concerns on the financial health of GNTY while its profitability can be described as average. 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.
Each year in the past 5 years GNTY has been profitable.
GNTY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
GNTY's Return On Assets of 1.15% is fine compared to the rest of the industry. GNTY outperforms 75.26% of its industry peers.
The Return On Equity of GNTY (10.88%) is better 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.
The number of shares outstanding for GNTY has been reduced compared to 1 year ago.
The number of shares outstanding for GNTY has been reduced compared to 5 years ago.
Compared to 1 year ago, GNTY has an improved debt to assets ratio.
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.
The Debt to FCF ratio of GNTY (1.62) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.22 indicates that GNTY is not too dependend on debt financing.
The Debt to Equity ratio of GNTY (0.22) is worse than 60.20% of its industry peers.
Even though the debt/equity ratio score it not favorable for GNTY, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| 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.
The Earnings Per Share has been growing slightly by 6.10% on average over the past years.
GNTY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.60%.
The Revenue has been growing slightly by 4.34% on average over the past years.
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.
GNTY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.08% yearly.
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
The Price/Earnings ratio is 15.53, which indicates a correct valuation of GNTY.
Compared to the rest of the industry, the Price/Earnings ratio of GNTY indicates a slightly more expensive valuation: GNTY is more expensive than 71.43% of the companies listed in the same industry.
GNTY is valuated rather cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 13.86, GNTY is valued correctly.
Based on the Price/Forward Earnings ratio, GNTY is valued a bit more expensive than 71.68% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.88. GNTY is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.53 | ||
| Fwd PE | 13.86 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GNTY is on the same level as its industry peers.
| 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
GNTY has a Yearly Dividend Yield of 2.05%.
GNTY's Dividend Yield is slightly below the industry average, which is at 2.78.
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
GNTY pays out 30.69% of its income as dividend. This is a sustainable payout ratio.
The dividend of GNTY is growing, but earnings are growing more, so the dividend growth is 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.