GUARANTY BANCSHARES INC (GNTY)
US4007641065 - Common Stock
We assign a fundamental rating of 3 out of 10 to GNTY. GNTY was compared to 412 industry peers in the Banks industry. GNTY may be in some trouble as it scores bad on both profitability and health. GNTY has a expensive valuation and it also scores bad on growth.
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.
Each year in the past 5 years GNTY had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.94%, GNTY perfoms like the industry average, outperforming 57.28% of the companies in the same industry.
GNTY has a Return On Equity (9.90%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 9.9% | ||
| ROIC | N/A |
ROA(3y)1.15%
ROA(5y)1.11%
ROE(3y)12.26%
ROE(5y)11.37%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 25.14%, GNTY is in line with its industry, outperforming 56.07% of the companies in the same industry.
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) | 25.14% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.21%
PM growth 5Y0.54%
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.
The debt/assets ratio for GNTY is higher compared to a year ago.
2.2 Solvency
GNTY has a debt to FCF ratio of 2.33. This is a good value and a sign of high solvency as GNTY would need 2.33 years to pay back of all of its debts.
GNTY has a Debt to FCF ratio (2.33) which is comparable to the rest of the industry.
GNTY has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.25, GNTY is in line with its industry, outperforming 47.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 2.33 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.22%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for GNTY have decreased strongly by -23.88% in the last year.
The Earnings Per Share has been growing by 9.65% on average over the past years. This is quite good.
Looking at the last year, GNTY shows a decrease in Revenue. The Revenue has decreased by -9.00% in the last year.
The Revenue has been growing slightly by 7.25% on average over the past years.
EPS 1Y (TTM)-23.88%
EPS 3Y4.33%
EPS 5Y9.65%
EPS growth Q2Q-23.88%
Revenue 1Y (TTM)-9%
Revenue growth 3Y1.88%
Revenue growth 5Y7.25%
Revenue growth Q2Q-14.55%
3.2 Future
Based on estimates for the next years, GNTY will show a decrease in Earnings Per Share. The EPS will decrease by -1.41% on average per year.
The Revenue is expected to grow by 3.37% on average over the next years.
EPS Next Y-12.6%
EPS Next 2Y-1.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.43%
Revenue Next 2Y3.37%
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 decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.88 indicates a reasonable valuation of GNTY.
GNTY's Price/Earnings ratio is a bit more expensive when compared to the industry. GNTY is more expensive than 65.78% of the companies in the same industry.
GNTY is valuated cheaply when we compare the Price/Earnings ratio to 28.02, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 13.59, which indicates a correct valuation of GNTY.
GNTY's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. GNTY is more expensive than 68.45% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.58. GNTY is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.88 | ||
| Fwd PE | 13.59 |
4.2 Price Multiples
GNTY's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.23
EPS Next 2Y-1.41%
EPS Next 3YN/A
5. Dividend
5.1 Amount
GNTY has a Yearly Dividend Yield of 3.22%.
Compared to an average industry Dividend Yield of 3.76, GNTY has a dividend in line with its industry peers.
GNTY's Dividend Yield is a higher than the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.22% |
5.2 History
The dividend of GNTY is nicely growing with an annual growth rate of 10.35%!
GNTY has paid a dividend for at least 10 years, which is 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)10.35%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
GNTY pays out 35.61% of its income as dividend. This is a sustainable payout ratio.
DP35.61%
EPS Next 2Y-1.41%
EPS Next 3YN/A
GUARANTY BANCSHARES INC
NYSE:GNTY (5/6/2024, 5:40:01 PM)
After market: 30.29 0 (0%)30.29
+0.01 (+0.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap349.24M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.22% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.88 | ||
| Fwd PE | 13.59 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 9.9% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 25.14% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-23.88%
EPS 3Y4.33%
EPS 5Y
EPS growth Q2Q
EPS Next Y-12.6%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-9%
Revenue growth 3Y1.88%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y