Guaranty Bancshares (GNTY) AI Stock Analysis

• Market Cap: $533.35M
• Dividend Yield: 2.13%
• Average Volume (3M): 52.10K
• Price to Earnings (P/E): 16.1
• Beta (1Y): 0.82
• Revenue Growth: 0.13%
• EPS Growth: 19.68%
• Country: US
• Employees: 485
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.75
• Shares Outstanding: 11,345,511
• 10 Day Avg. Volume: 103,787
• 30 Day Avg. Volume: 52,098
• PEG Ratio: 2.12
• Price to Book (P/B): 1.42
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.14
• Enterprise Value/Market Cap: 0.93
• Enterprise Value/Revenue: 0.69
• Enterprise Value/Gross Profit: 4.10
• Enterprise Value/Ebitda: 2.98
• 1Y Price Target: $43.00
• Price Target Upside: -8.53% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 75 Outperform
• Price Target: $48.00 ▲(2.11%Upside)

Guaranty Bancshares scores well due to its solid financial performance and positive technical indicators. The impending merger with Glacier Bancorp is a major strategic move that is likely to enhance future growth prospects. The valuation is fair, and the earnings call highlights a strong financial position, despite some challenges.

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 derived from its lending activities. The bank earns interest by providing various types of loans, including commercial, residential mortgage, and consumer loans. In addition to interest income, Guaranty Bancshares also earns non-interest income through service charges on deposit accounts, fees from wealth management and investment services, and income from mortgage loan sales. The company benefits from strategic partnerships with local businesses and community organizations, which help expand its customer base and enhance its service offerings. Guaranty Bancshares' earnings are influenced by interest rate fluctuations, economic conditions, and regulatory factors that impact the banking industry.

Guaranty Bancshares Financial Statement Overview

Summary

Guaranty Bancshares demonstrates financial resilience with a strong balance sheet, effective cash flow management, and profitability despite inconsistent revenue. The absence of debt in 2024 enhances its financial stability, positioning it well for future growth.

Income Statement

The income statement shows a mixed performance. The company experienced significant revenue fluctuation, with a notable decrease in total revenue from 2021 to 2022, but rebounded in 2023. Despite the revenue volatility, net income has been relatively stable, and the company maintained a positive net profit margin. However, the lack of current revenue data for 2024 limits the ability to assess the most recent performance.

Balance Sheet

The balance sheet reflects strong financial stability with no debt reported in 2024, and a solid equity base. The equity ratio is favorable, indicating a healthy financial structure. The company's stockholders' equity has shown resilience over the years, and the absence of liabilities in 2024 suggests prudent financial management.

Cash Flow

Cash flow statements indicate consistent operating cash flow, with a positive free cash flow throughout the years. The company has managed its cash flow effectively, despite fluctuations in financing activities and investment cash flows. The operating cash flow to net income ratio is strong, reflecting efficient cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	180.05M	180.89M	176.10M	146.69M	127.13M	119.09M
Gross Profit	120.62M	117.81M	116.59M	129.16M	121.83M	92.83M
EBITDA	46.52M	43.98M	41.91M	54.19M	54.07M	38.76M
Net Income	33.49M	31.54M	30.04M	40.45M	39.81M	27.40M
Balance Sheet
Total Assets	3.15B	3.12B	3.18B	3.35B	3.09B	2.74B
Cash, Cash Equivalents and Short-Term Investments	417.08M	110.78M	249.14M	248.12M	409.84M	513.76M
Total Debt	89.65M	72.99M	215.46M	346.37M	86.46M	156.54M
Total Liabilities	2.83B	2.80B	2.88B	3.06B	2.78B	2.47B
Stockholders Equity	325.25M	318.50M	303.30M	294.98M	302.21M	272.64M
Cash Flow
Free Cash Flow	56.49M	44.11M	32.43M	33.16M	40.65M	36.62M
Operating Cash Flow	59.02M	47.42M	39.21M	38.85M	43.54M	42.52M
Investing Cash Flow	98.26M	107.71M	144.03M	-684.96M	-202.68M	-165.77M
Financing Cash Flow	-12.56M	-98.69M	-200.18M	252.98M	306.95M	384.32M

Guaranty Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 47.01
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 47.01 is above the 20-day moving average (MA) of 41.97, above the 50-day MA of 41.09, and above the 200-day MA of 37.71, indicating a bullish trend. The MACD of 1.16 indicates Negative momentum. The RSI at 76.77 is Negative, neither overbought nor oversold. The STOCH value of 97.74 is Negative, 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
CCNE	77 Outperform	$512.11M	10.47	8.83%	2.95%	8.67%	-1.65%
GNTY	75 Outperform	$533.35M	16.12	10.62%	2.13%	0.13%	19.68%
EBTC	74 Outperform	$495.83M	12.14	11.31%	2.52%	14.10%	12.00%
CBNK	74 Outperform	$588.53M	14.29	12.19%	1.15%	18.85%	6.74%
BHB	72 Outperform	$493.82M	11.32	9.67%	3.97%	6.33%	3.44%
Sector *	72 Outperform	14.86B	17.15	15.69%	4.05%	8.25%	25.93%
FISI	58 Neutral	$551.41M	8.52	-5.18%	4.52%	-23.31%	-169.87%

Guaranty Bancshares Corporate Events

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.

The most recent analyst rating on (GNTY) stock is a Buy with a $36.00 price target. To see the full list of analyst forecasts on Guaranty Bancshares stock, see the GNTY Stock Forecast page.

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.

The most recent analyst rating on (GNTY) stock is a Buy with a $40.00 price target. To see the full list of analyst forecasts on Guaranty Bancshares stock, see the GNTY Stock Forecast page.

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.

The most recent analyst rating on (GNTY) stock is a Buy with a $36.00 price target. To see the full list of analyst forecasts on Guaranty Bancshares stock, see the GNTY Stock Forecast page.

Guaranty Bancshares Shareholders Approve Key Amendments

On May 21, 2025, Guaranty Bancshares, Inc. held its Annual Meeting of Shareholders where several key decisions were made. The shareholders approved an amendment to the 2015 Equity Incentive Plan, extending the term for granting stock options to 2035, eliminating the evergreen mechanism, and making other administrative changes. Additionally, the election of Class I directors was confirmed, executive compensation was approved on an advisory basis, and Whitley Penn LLP was ratified as the independent registered public accounting firm for 2025.

The most recent analyst rating on (GNTY) stock is a Buy with a $36.00 price target. To see the full list of analyst forecasts on Guaranty Bancshares stock, see the GNTY Stock Forecast page.

Guaranty Bancshares Reports Q1 2025 Financial Results

Guaranty Bancshares, Inc. reported its financial results for the first quarter of 2025, showing a net income of $8.6 million, a decrease from the previous quarter but an increase from the same quarter last year. The company experienced a decrease in earnings compared to the fourth quarter of 2024 due to higher noninterest expenses and lower noninterest income, but saw an increase from the first quarter of 2024 due to improved net interest income. The company’s net interest margin improved to 3.70% from 3.16% in the previous year, driven by a decrease in deposit costs and an increase in earning asset yields. Guaranty Bancshares maintained strong asset quality, with nonperforming assets at 0.15% of total assets, and continued to enhance shareholder value through stock repurchases and dividend increases. Despite market volatility, the company reported no significant negative impacts on its projections for the year.