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 395 industry peers in the Banks industry. There are concerns on the financial health of GNTY while its profitability can be described as average. GNTY is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
GNTY had positive earnings in the past year.
GNTY had a positive operating cash flow in the past year.
GNTY had positive earnings in each of the past 5 years.
Each year in the past 5 years GNTY had a positive operating cash flow.
1.2 Ratios
The Return On Assets of GNTY (1.06%) is better than 69.62% of its industry peers.
With a decent Return On Equity value of 10.30%, GNTY is doing good in the industry, outperforming 69.62% of the companies in the same industry.
| 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 Profit Margin of 27.56%. This is in the better half of the industry: GNTY outperforms 73.67% of its industry peers.
In the last couple of years the Profit Margin of GNTY has remained more or less at the same level.
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.
The debt/assets ratio for GNTY has been reduced compared to a year ago.
2.2 Solvency
GNTY has a debt to FCF ratio of 1.59. This is a very positive value and a sign of high solvency as it would only need 1.59 years to pay back of all of its debts.
The Debt to FCF ratio of GNTY (1.59) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.28 indicates that GNTY is not too dependend on debt financing.
The Debt to Equity ratio of GNTY (0.28) is worse than 68.10% of its industry peers.
Although GNTY does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.59 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.16%
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 19.67%, which is quite good.
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 small growth in Revenue. The Revenue has grown by 2.76% in the last year.
GNTY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.34% yearly.
EPS 1Y (TTM)19.67%
EPS 3Y-4.93%
EPS 5Y6.1%
EPS Q2Q%29.31%
Revenue 1Y (TTM)2.76%
Revenue growth 3Y-0.44%
Revenue growth 5Y4.34%
Sales Q2Q%10.1%
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 9.00% yearly.
EPS Next Y20.17%
EPS Next 2Y13.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.5%
Revenue Next 2Y9%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 13.94, which indicates a correct valuation of GNTY.
GNTY's Price/Earnings ratio is a bit more expensive when compared to the industry. GNTY is more expensive than 65.57% of the companies in the same industry.
GNTY's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.34.
GNTY is valuated reasonably with a Price/Forward Earnings ratio of 11.57.
Based on the Price/Forward Earnings ratio, GNTY is valued a bit more expensive than the industry average as 67.34% of the companies are valued more cheaply.
GNTY's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.03.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.94 | ||
| Fwd PE | 11.57 |
4.2 Price Multiples
75.95% of the companies in the same industry are more expensive than GNTY, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.17 | ||
| 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)0.69
PEG (5Y)2.29
EPS Next 2Y13.1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
GNTY has a Yearly Dividend Yield of 2.46%.
Compared to an average industry Dividend Yield of 3.61, GNTY is paying slightly less dividend.
GNTY's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
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.
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 32.83% of its income as dividend. This is a sustainable payout ratio.
GNTY's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP32.83%
EPS Next 2Y13.1%
EPS Next 3YN/A
NYSE:GNTY (6/23/2025, 12:20:56 PM)
40.71
+0.16 (+0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners30.71%
Inst Owner Change-3.91%
Ins Owners14.59%
Ins Owner Change0.75%
Market Cap461.65M
Analysts80
Price Target45.9 (12.75%)
Short Float %0.84%
Short Ratio2.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
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)0%
PT rev (3m)7.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.22%
EPS NY rev (1m)0%
EPS NY rev (3m)6.93%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.93%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.94 | ||
| Fwd PE | 11.57 | ||
| P/S | 3.8 | ||
| P/FCF | 8.17 | ||
| P/OCF | 7.82 | ||
| P/B | 1.42 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.92
EY7.17%
EPS(NY)3.52
Fwd EY8.64%
FCF(TTM)4.98
FCFY12.24%
OCF(TTM)5.2
OCFY12.78%
SpS10.72
BVpS28.68
TBVpS25.77
PEG (NY)0.69
PEG (5Y)2.29
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
WACC8.16%
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)19.67%
EPS 3Y-4.93%
EPS 5Y6.1%
EPS Q2Q%29.31%
EPS Next Y20.17%
EPS Next 2Y13.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.76%
Revenue growth 3Y-0.44%
Revenue growth 5Y4.34%
Sales Q2Q%10.1%
Revenue Next Year13.5%
Revenue Next 2Y9%
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%