GUARANTY BANCSHARES INC (GNTY) Stock Fundamental Analysis
NYSE:GNTY - New York Stock Exchange, Inc. - US4007641065 - Common Stock - Currency: USD
Taking everything into account, GNTY scores 4 out of 10 in our fundamental rating. GNTY was compared to 393 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
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 1.06% is fine compared to the rest of the industry. GNTY outperforms 70.74% of its industry peers.
GNTY has a Return On Equity of 10.30%. This is in the better half of the industry: GNTY outperforms 70.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 10.3% | ||
| 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 better Profit Margin (27.56%) than 74.30% 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) | 27.56% | ||
| 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.
GNTY has less shares outstanding than it did 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 1.59, which is an excellent value as it means it would take GNTY, only 1.59 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.59, GNTY is in line with its industry, outperforming 57.76% of the companies in the same industry.
A Debt/Equity ratio of 0.28 indicates that GNTY is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.28, GNTY is doing worse than 67.43% of the companies in the same industry.
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 | 0.28 | ||
| Debt/FCF | 1.59 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.85%
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.
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 Y20.17%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.85, the valuation of GNTY can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of GNTY indicates a slightly more expensive valuation: GNTY is more expensive than 64.63% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.73. GNTY is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 13.25, GNTY is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GNTY indicates a slightly more expensive valuation: GNTY is more expensive than 68.70% of the companies listed in the same industry.
GNTY is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.61, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.85 | ||
| Fwd PE | 13.25 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GNTY is valued a bit cheaper than 73.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.37 | ||
| EV/EBITDA | N/A |
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)0.74
PEG (5Y)2.43
EPS Next 2Y13.1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.31%, GNTY has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.54, GNTY is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.39, GNTY has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
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
32.83% 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.
DP32.83%
EPS Next 2Y13.1%
EPS Next 3YN/A
NYSE:GNTY (8/13/2025, 1:03:26 PM)
46.62
+0.92 (+2.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners30.77%
Inst Owner Change0.12%
Ins Owners14.58%
Ins Owner Change0.67%
Market Cap529.14M
Analysts80
Price Target53.04 (13.77%)
Short Float %0.95%
Short Ratio1.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
Yearly Dividend0.95
Dividend Growth(5Y)8.61%
DP32.83%
Div Incr Years7
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)22.08%
Min EPS beat(2)3.56%
Max EPS beat(2)40.59%
EPS beat(4)4
Avg EPS beat(4)16.95%
Min EPS beat(4)3.56%
Max EPS beat(4)40.59%
EPS beat(8)7
Avg EPS beat(8)15.57%
EPS beat(12)9
Avg EPS beat(12)9.5%
EPS beat(16)11
Avg EPS beat(16)8.67%
Revenue beat(2)2
Avg Revenue beat(2)3.16%
Min Revenue beat(2)0.13%
Max Revenue beat(2)6.2%
Revenue beat(4)2
Avg Revenue beat(4)0.46%
Min Revenue beat(4)-2.69%
Max Revenue beat(4)6.2%
Revenue beat(8)5
Avg Revenue beat(8)0.94%
Revenue beat(12)6
Avg Revenue beat(12)-0.29%
Revenue beat(16)9
Avg Revenue beat(16)-0.32%
PT rev (1m)15.56%
PT rev (3m)15.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)5.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.85 | ||
| Fwd PE | 13.25 | ||
| P/S | 4.35 | ||
| P/FCF | 9.37 | ||
| P/OCF | 8.97 | ||
| P/B | 1.63 | ||
| P/tB | 1.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.14
EY6.74%
EPS(NY)3.52
Fwd EY7.55%
FCF(TTM)4.98
FCFY10.68%
OCF(TTM)5.2
OCFY11.15%
SpS10.71
BVpS28.66
TBVpS25.74
PEG (NY)0.74
PEG (5Y)2.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 10.3% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.56% | ||
| GM | N/A | ||
| FCFM | 46.48% |
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 | 0.28 | ||
| Debt/FCF | 1.59 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 49.54% | ||
| Cap/Sales | 2.08% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 168.68% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC7.85%
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 Y20.17%
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 1Y119.55%
FCF growth 3Y2.77%
FCF growth 5Y10.35%
OCF growth 1Y85.01%
OCF growth 3Y2.89%
OCF growth 5Y8.15%