The earnings call highlighted strong liquidity and a robust loan pipeline, indicating potential future growth. However, challenges such as decreased net loans and increased noninterest expenses were also noted. Despite these issues, the company's strong capital and asset quality, along with improvements in unrealized losses and net interest margin, suggest a positive outlook.

Company Guidance

In the first quarter of 2025, Guaranty Bancshares, Inc. provided detailed guidance highlighting several key metrics. The company reported an increase in total assets by $37 million and a rise in cash by $72 million, while net loans decreased by $23 million. The net interest margin (NIM) improved to 3.7%, up from 3.54% in the previous quarter. Total deposits grew by $12.2 million, with a notable increase in noninterest-bearing deposits, maintaining a 31.3% ratio of total deposits. The return on average assets was 1.13%, and the return on average equity was 10.83%. The company repurchased shares worth $5.2 million and increased the dividend to $0.25 per share. Nonperforming assets remained low at 0.15% of total assets, and the allowance for credit losses was 1.32% of total loans. Guaranty Bancshares indicated strong liquidity with a liquidity ratio of 19.8% and anticipated $116 million in cash flows from maturing securities. The guidance suggests continued resilience and strategic positioning for future growth despite national economic uncertainties.

Strong Loan Pipeline

The loan pipeline in Q2 is as strong as it has been in the last three years, indicating potential future growth.

Increase in Total Assets

Total assets increased by $37 million during the first quarter of 2025.

Improvement in Unrealized Losses

Unrealized losses on AFS securities decreased by $6 million from $20.8 million to $14.7 million.

Dividend Increase

The dividend was increased in Q1 2025 to $0.25 per share, up from $0.24 per share in 2024.

Increase in Net Interest Margin

The net interest margin increased to 3.7% in the first quarter, up from 3.54% in the fourth quarter and 3.16% in the same quarter last year.

Strong Liquidity Position

Liquidity ratio increased to 19.8% from 16.5% at year-end, with cash balances increasing by $72 million.

Capital and Asset Quality

Capital, asset quality, and liquidity all stand at very strong levels, positioning the company well for future growth.

Guaranty Bancshares (GNTY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

GNTY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 20, 2025	2025 (Q3)	0.82 / -	0.65	―	―	―
Jul 21, 2025	2025 (Q2)	0.81 / 0.87	0.65	33.85% (+0.22)	―	―
Apr 21, 2025	2025 (Q1)	0.71 / 0.75	0.58	29.31% (+0.17)	―
Jan 21, 2025	2024 (Q4)	0.61 / 0.87	0.51	70.59% (+0.36)	―
Oct 21, 2024	2024 (Q3)	0.60 / 0.65	0.54	20.37% (+0.11)	―
Jul 15, 2024	2024 (Q2)	0.54 / 0.65	0.81	-19.75% (-0.16)
Apr 15, 2024	2024 (Q1)	0.51 / 0.58	0.69	-15.94% (-0.11)	―
Jan 16, 2024	2023 (Q4)	0.47 / 0.51	0.67	-23.88% (-0.16)	―
Oct 16, 2023	2023 (Q3)	0.56 / 0.54	0.91	-40.66% (-0.37)	―
Jul 17, 2023	2023 (Q2)	0.56 / 0.81	0.89	-8.99% (-0.08)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

GNTY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 21, 2025	$45.52	$45.22	-0.66%
Apr 21, 2025	$38.90	$39.24	+0.87%
Jan 21, 2025	$34.89	$38.29	+9.74%
Oct 21, 2024	$34.08	$31.91	-6.37%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Guaranty Bancshares Inc (GNTY) report earnings?

Guaranty Bancshares Inc (GNTY) is schdueled to report earning on Oct 20, 2025, Before Open (Confirmed).

What is Guaranty Bancshares Inc (GNTY) earnings time?

Guaranty Bancshares Inc (GNTY) earnings time is at Oct 20, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is GNTY EPS forecast?

GNTY EPS forecast for the fiscal quarter 2025 (Q3) is 0.82.

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