GUARANTY BANCSHARES INC (GNTY) Stock Fundamental Analysis
NYSE:GNTY - US4007641065 - Common Stock
49.54 USD
-0.16 (-0.32%)
GNTY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. GNTY has a medium profitability rating, but doesn't score so well on its financial health evaluation. GNTY has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
GNTY had positive earnings in the past year.
In the past year GNTY had a positive cash flow from operations.
GNTY had positive earnings in each of the past 5 years.
In the past 5 years GNTY always reported a positive cash flow from operatings.
1.2 Ratios
GNTY's Return On Assets of 1.15% is fine compared to the rest of the industry. GNTY outperforms 75.76% of its industry peers.
GNTY's Return On Equity of 10.88% is fine compared to the rest of the industry. GNTY outperforms 76.52% 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
Looking at the Profit Margin, with a value of 28.55%, GNTY is in the better half of the industry, outperforming 76.26% of the companies in the same industry.
GNTY's Profit Margin has been stable in the last couple of years.
GNTY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
GNTY has less shares outstanding than it did 1 year ago.
The number of shares outstanding for GNTY has been reduced compared to 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.
GNTY has a Debt to FCF ratio of 1.62. This is comparable to the rest of the industry: GNTY outperforms 55.30% of its industry peers.
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 (0.22) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.62 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.78%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 37.72% over the past year.
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.
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
The Earnings Per Share is expected to grow by 13.10% on average over the next years. This is quite good.
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
GNTY is valuated correctly with a Price/Earnings ratio of 15.78.
Compared to the rest of the industry, the Price/Earnings ratio of GNTY indicates a slightly more expensive valuation: GNTY is more expensive than 69.19% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.06. GNTY is valued slightly cheaper when compared to this.
GNTY is valuated correctly with a Price/Forward Earnings ratio of 14.08.
GNTY's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. GNTY is more expensive than 71.46% of the companies in the same industry.
GNTY's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.69.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.78 | ||
| Fwd PE | 14.08 |
4.2 Price Multiples
GNTY's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.6 | ||
| 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)0.73
PEG (5Y)2.59
EPS Next 2Y13.1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
GNTY has a Yearly Dividend Yield of 2.01%.
Compared to an average industry Dividend Yield of 3.49, GNTY is paying slightly less dividend.
GNTY's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.01% |
5.2 History
On average, the dividend of GNTY grows each year by 8.61%, which is quite nice.
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
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
NYSE:GNTY (9/5/2025, 8:18:47 PM)
49.54
-0.16 (-0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners30.77%
Inst Owner Change-3.03%
Ins Owners14.58%
Ins Owner Change0.6%
Market Cap562.28M
Analysts80
Price Target53.04 (7.06%)
Short Float %0.99%
Short Ratio1.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.01% |
Yearly Dividend0.95
Dividend Growth(5Y)8.61%
DP30.69%
Div Incr Years7
Div Non Decr Years7
Ex-Date
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)9.31%
EPS NY rev (1m)1.23%
EPS NY rev (3m)1.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.78 | ||
| Fwd PE | 14.08 | ||
| P/S | 4.45 | ||
| P/FCF | 12.6 | ||
| P/OCF | 12.31 | ||
| P/B | 1.7 | ||
| P/tB | 1.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.14
EY6.34%
EPS(NY)3.52
Fwd EY7.1%
FCF(TTM)3.93
FCFY7.93%
OCF(TTM)4.03
OCFY8.13%
SpS11.13
BVpS29.19
TBVpS26.28
PEG (NY)0.73
PEG (5Y)2.59
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
ROICexcg growth 3YN/A
ROICexcg 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
WACC7.78%
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%