Guaranty Bancshares (GNTY) AI Stock Analysis

• Market Cap: $566.82M
• Dividend Yield: 1.88%
• Average Volume (3M): 44.64K
• Price to Earnings (P/E): 15.9
• Beta (1Y): 0.87
• Revenue Growth: 1.61%
• EPS Growth: 38.81%
• Country: US
• Employees: 485
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.87
• Shares Outstanding: 11,347,666
• 10 Day Avg. Volume: 58,596
• 30 Day Avg. Volume: 44,636
• PEG Ratio: 2.03
• Price to Book (P/B): 1.24
• Price to Sales (P/S): 2.19
• P/FCF Ratio: 8.99
• Enterprise Value/Market Cap: 0.93
• Enterprise Value/Revenue: 2.90
• Enterprise Value/Gross Profit: 4.23
• Enterprise Value/Ebitda: 10.85
• 1Y Price Target: $54.00
• Price Target Upside: 8.11% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 75 Outperform
• Price Target: $56.00 ▲(12.11% Upside)

Guaranty Bancshares scores well due to strong financial performance and positive technical indicators. The merger with Glacier Bancorp is a significant positive event, enhancing the company's growth prospects. However, challenges in cash flow management and a relatively low dividend yield slightly temper the overall score.

Guaranty Bancshares Business Overview & Revenue Model

Company Description

Guaranty Bancshares, Inc. operates as the bank holding company for Guaranty Bank & Trust, N.A. that provides a range of commercial and consumer banking products and services for small- and medium-sized businesses, professionals, and individuals. The company offers checking and savings, money market, and business accounts, as well as certificates of deposit; and commercial and industrial, construction and development, 1-4 family residential, commercial real estate, farmland and agricultural, multi-family residential, and consumer loans. It also provides trustee, custodial and escrow, investment management, retirement plan, ATM, night depository, direct deposit, and cashier's check services, as well as online, mobile, and telephone banking services; debit cards; letters of credit; and treasury management services, including wire transfer, positive pay, remote deposit capture, and automated clearinghouse services. As of December 31, 2021, it operated 32 full-service banking locations in East Texas, Central Texas, the Dallas/Fort Worth metropolitan statistical area (MSA) and the Houston MSA. The company was founded in 1913 and is headquartered in Addison, Texas.

How the Company Makes Money

Guaranty Bancshares generates revenue primarily through interest income and non-interest income. Interest income is derived from the interest earned on loans provided to customers and investments in securities. The bank’s loan portfolio includes commercial loans, consumer loans, and residential mortgages, which collectively contribute a significant portion of their earnings. Non-interest income comes from various sources, including service fees on deposit accounts, wealth management fees, and transaction fees. Additionally, the bank benefits from strategic partnerships with local businesses and community organizations, enhancing its customer base and driving further revenue growth. Overall, the company’s diversified financial services and focus on community banking help stabilize its revenue streams.

Guaranty Bancshares Financial Statement Overview

Summary

Guaranty Bancshares exhibits solid financial health with consistent revenue growth and strong cash flow generation. The company's balance sheet is strengthening, with declining leverage ratios and a stable equity position. While profitability margins have faced some pressure, the overall financial trajectory remains positive, with efficient cost management and prudent financial practices providing a stable foundation for future growth.

Income Statement

Guaranty Bancshares has shown consistent revenue growth, with a notable increase in total revenue from $119.1M in 2020 to $180.0M in TTM 2025. The gross profit margin remains strong at around 67% in TTM 2025, indicating efficient cost management. However, there is a declining trend in net profit margin from 27% in 2020 to 19% in TTM 2025, which raises concern about profitability pressures.

Balance Sheet

The company's balance sheet reflects a healthy equity ratio of approximately 10% in TTM 2025, showing a stable capital structure. The debt-to-equity ratio has improved significantly, dropping from 1.27 in 2020 to a more manageable 0.28 in TTM 2025, reflecting reduced leverage. However, the return on equity has slightly decreased from 14.2% in 2020 to 10.3% in TTM 2025, indicating less efficient equity utilization.

Cash Flow

Guaranty Bancshares demonstrates strong cash flow generation, with free cash flow growing from $36.6M in 2020 to $56.5M in TTM 2025. The operating cash flow to net income ratio is robust, indicating effective cash conversion from earnings. However, fluctuations in investing cash flow and a negative financing cash flow in the recent periods suggest potential volatility in cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	182.23M	180.89M	176.10M	146.69M	127.13M	119.09M
Gross Profit	124.95M	117.81M	116.59M	129.16M	121.83M	92.83M
EBITDA	48.77M	43.98M	41.91M	54.19M	54.07M	38.76M
Net Income	36.06M	31.54M	30.04M	40.45M	39.81M	27.40M
Balance Sheet
Total Assets	3.14B	3.12B	3.18B	3.35B	3.09B	2.74B
Cash, Cash Equivalents and Short-Term Investments	408.23M	110.78M	249.14M	248.12M	409.84M	513.76M
Total Debt	72.29M	72.99M	215.46M	346.37M	86.46M	156.54M
Total Liabilities	2.81B	2.80B	2.88B	3.06B	2.78B	2.47B
Stockholders Equity	331.27M	318.50M	303.30M	294.98M	302.21M	272.64M
Cash Flow
Free Cash Flow	44.61M	44.11M	32.43M	33.16M	40.65M	36.62M
Operating Cash Flow	45.69M	47.42M	39.21M	38.85M	43.54M	42.52M
Investing Cash Flow	32.48M	107.71M	144.03M	-684.96M	-202.68M	-165.77M
Financing Cash Flow	24.79M	-98.69M	-200.18M	252.98M	306.95M	384.32M

Guaranty Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 49.95
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GNTY, the sentiment is Positive. The current price of 49.95 is above the 20-day moving average (MA) of 47.73, above the 50-day MA of 45.24, and above the 200-day MA of 39.69, indicating a bullish trend. The MACD of 1.23 indicates Negative momentum. The RSI at 66.81 is Neutral, neither overbought nor oversold. The STOCH value of 34.12 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GNTY.

Guaranty Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GNTY	75 Outperform	$566.82M	15.88	11.28%	1.88%	1.61%	38.81%
CCNE	75 Outperform	$734.82M	10.49	8.94%	2.89%	7.40%	2.01%
BHB	72 Outperform	$517.17M	12.05	―	4.00%	2.52%	-5.20%
CBNK	71 Outperform	$532.33M	11.99	11.39%	1.31%	22.14%	12.06%
FISI	60 Neutral	$552.56M	-10.68	-3.07%	4.48%	-29.94%	-178.36%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Guaranty Bancshares Corporate Events

Guaranty Bancshares Sets Record Date for Special Dividend

On June 24, 2025, Guaranty Bancshares, Inc. announced a merger agreement with Glacier Bancorp, Inc., where Guaranty Bancshares will merge into Glacier Bancorp, subject to certain conditions. On September 9, 2025, the company set September 19, 2025, as the record date for a potential special cash dividend, contingent on meeting specific capital requirements before the merger’s effective date. The merger and dividend are pending shareholder approval and other conditions, with no assurance provided on the dividend’s declaration or amount.

Guaranty Bancshares Announces Merger with Glacier Bancorp

On June 24, 2025, Guaranty Bancshares, Inc. announced a merger agreement with Glacier Bancorp, Inc., where Guaranty will merge into Glacier, and Guaranty Bank will merge into Glacier Bank. In response to shareholder demand letters alleging insufficient disclosures in the proxy statement/prospectus, Guaranty and Glacier provided supplemental disclosures, although they deny any legal violations. This decision will not affect the merger consideration or the timing of the shareholder meeting.

Guaranty Bancshares Announces Merger with Glacier Bancorp

On June 24, 2025, Guaranty Bancshares, Inc. and its subsidiary Guaranty Bank & Trust entered into a merger agreement with Glacier Bancorp, Inc. and its subsidiary Glacier Bank. Under the agreement, Guaranty Bancshares will merge into Glacier Bancorp, with Glacier Bancorp as the surviving entity. The merger is valued at approximately $476.2 million and is expected to close in the fourth quarter of 2025, subject to regulatory and shareholder approvals. The merger aims to consolidate operations and expand market reach, impacting stakeholders by potentially enhancing financial performance and operational efficiency.

Guaranty Bancshares Announces Merger with Glacier Bancorp

On June 24, 2025, Guaranty Bancshares, Inc. and Glacier Bancorp, Inc. announced a merger agreement where Guaranty will merge with Glacier in an all-stock transaction valued at $476.2 million. This acquisition, marking Glacier’s 27th since 2000, will expand Glacier’s presence into Texas, with Guaranty Bank & Trust operating as a new division under Glacier Bank. The merger is expected to close in the fourth quarter of 2025, subject to regulatory and shareholder approvals. This strategic move aims to leverage Texas’s strong economic profile, providing growth opportunities and enhanced resources for Guaranty’s existing and future customers.

Guaranty Bancshares Declares Quarterly Cash Dividend

On June 20, 2025, Guaranty Bancshares, Inc. announced the declaration of a quarterly cash dividend of $0.25 per share of common stock, to be paid on July 9, 2025, to shareholders recorded by June 30, 2025. This decision reflects the company’s ongoing commitment to providing value to its shareholders and may enhance its attractiveness in the financial market.