GUARANTY BANCSHARES INC (GNTY) Fundamental Analysis & Valuation

NYSE:GNTY • US4007641065

Current stock price

48.75 USD
-0.43 (-0.87%)
At close:
48.75 USD
0 (0%)
After Hours:

This GNTY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. GNTY Profitability Analysis

1.1 Basic Checks

  • GNTY had positive earnings in the past year.
  • In the past year GNTY had a positive cash flow from operations.
  • In the past 5 years GNTY has always been profitable.
  • GNTY had a positive operating cash flow in each of the past 5 years.
GNTY Yearly Net Income VS EBIT VS OCF VS FCFGNTY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

1.2 Ratios

  • The Return On Assets of GNTY (1.15%) is better than 75.26% of its industry peers.
  • With a decent Return On Equity value of 10.88%, GNTY is doing good in the industry, outperforming 76.28% of the companies in the same industry.
Industry RankSector 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
GNTY Yearly ROA, ROE, ROICGNTY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • GNTY's Profit Margin of 28.55% is fine compared to the rest 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 RankSector 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
GNTY Yearly Profit, Operating, Gross MarginsGNTY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. GNTY Health Analysis

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
  • The number of shares outstanding for GNTY has been reduced compared to 5 years ago.
  • GNTY has a better debt/assets ratio than last year.
GNTY Yearly Shares OutstandingGNTY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
GNTY Yearly Total Debt VS Total AssetsGNTY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

  • GNTY has a debt to FCF ratio of 1.62. This is a very positive value and a sign of high solvency as it would only need 1.62 years to pay back of 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 Debt to Equity ratio of 0.22. This is in the lower half of the industry: GNTY underperforms 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 RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.62
Altman-Z N/A
ROIC/WACCN/A
WACC7.73%
GNTY Yearly LT Debt VS Equity VS FCFGNTY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GNTY Yearly Current Assets VS Current LiabilitesGNTY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. GNTY Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 37.72% over the past year.
  • The Earnings Per Share has been growing slightly by 6.10% on average over the past years.
  • The Revenue has grown by 10.60% in the past year. This is quite good.
  • 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
GNTY Yearly Revenue VS EstimatesGNTY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M
GNTY Yearly EPS VS EstimatesGNTY Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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4

4. GNTY Valuation Analysis

4.1 Price/Earnings Ratio

  • GNTY is valuated correctly with a Price/Earnings ratio of 15.53.
  • 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.
  • The average S&P500 Price/Earnings ratio is at 25.96. GNTY is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 13.86 indicates a correct valuation of GNTY.
  • 71.68% of the companies in the same industry are cheaper than GNTY, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, GNTY is valued a bit cheaper.
Industry RankSector Rank
PE 15.53
Fwd PE 13.86
GNTY Price Earnings VS Forward Price EarningsGNTY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as GNTY.
Industry RankSector Rank
P/FCF 12.4
EV/EBITDA N/A
GNTY Per share dataGNTY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as GNTY's earnings are expected to grow with 13.10% in the coming years.
PEG (NY)0.72
PEG (5Y)2.55
EPS Next 2Y13.1%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. GNTY Dividend Analysis

5.1 Amount

  • GNTY has a Yearly Dividend Yield of 2.05%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.90, GNTY is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.91, GNTY has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.05%

5.2 History

  • The dividend of GNTY is nicely growing with an annual growth rate of 8.61%!
  • GNTY has paid a dividend for at least 10 years, which is a reliable track record.
  • GNTY has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)8.61%
Div Incr Years7
Div Non Decr Years7
GNTY Yearly Dividends per shareGNTY Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 30.69% of the earnings are spent on dividend by GNTY. This is a low number and 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
GNTY Yearly Income VS Free CF VS DividendGNTY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
GNTY Dividend Payout.GNTY Dividend Payout, showing the Payout Ratio.GNTY Dividend Payout.PayoutRetained Earnings

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GNTY Fundamentals: All Metrics, Ratios and Statistics

GUARANTY BANCSHARES INC

NYSE:GNTY (9/30/2025, 8:04:01 PM)

After market: 48.75 0 (0%)

48.75

-0.43 (-0.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-21
Earnings (Next)10-20
Inst Owners31.29%
Inst Owner Change-84.64%
Ins Owners14.62%
Ins Owner Change-166.53%
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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 Fundamental Analysis 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.