Guaranty Bancshares (GNTY) AI Stock Analysis

• Market Cap: $524.04M
• Dividend Yield: 2.12%
• Average Volume (3M): 48.40K
• Price to Earnings (P/E): 14.7
• Beta (1Y): 0.87
• Revenue Growth: 1.61%
• EPS Growth: 38.81%
• Country: US
• Employees: 485
• Sector: Financial
• Sector Strength: 65
• Industry: Banks - Regional
• EPS (TTM): 0.87
• Shares Outstanding: 11,347,666
• 10 Day Avg. Volume: 47,113
• 30 Day Avg. Volume: 48,404
• 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: 1.01
• Enterprise Value/Revenue: 2.94
• Enterprise Value/Gross Profit: 4.39
• Enterprise Value/Ebitda: 11.37
• 1Y Price Target: $50.00
• Price Target Upside: 9.89% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 75 Outperform
• Price Target: $48.00 ▲(5.49% 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 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. However, profitability margins have faced some pressure, which slightly tempers the overall score.

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	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: 45.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 45.5 is above the 20-day moving average (MA) of 44.76, above the 50-day MA of 43.82, and above the 200-day MA of 39.47, indicating a bullish trend. The MACD of 0.35 indicates Negative momentum. The RSI at 54.80 is Neutral, neither overbought nor oversold. The STOCH value of 82.91 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
GNTY	75 Outperform	$524.04M	14.68	11.28%	2.12%	1.61%	38.81%
CCNE	75 Outperform	$743.07M	10.61	9.27%	2.87%	7.40%	2.01%
CBNK	75 Outperform	$547.26M	12.33	13.36%	1.29%	22.14%	12.06%
EBTC	74 Outperform	$495.83M	12.14	11.31%	2.52%	14.10%	12.00%
BHB	72 Outperform	$525.01M	12.24	8.70%	4.03%	2.52%	-5.20%
Sector *	68 Neutral	$17.53B	11.78	10.43%	3.83%	9.94%	1.31%
FISI	57 Neutral	$531.22M	8.52	-6.53%	4.73%	-29.94%	-178.36%

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.