Guaranty Bancshares (GNTY) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: N/A
• Average Volume (3M): N/A
• Price to Earnings (P/E): ―
• Beta (1Y): N/A
• Revenue Growth: 1.61%
• EPS Growth: 38.81%
• Country: US
• Employees: N/A
• Sector: N/A
• Sector Strength: N/A
• Industry: N/A
• EPS (TTM): N/A
• Shares Outstanding: N/A
• 10 Day Avg. Volume: N/A
• 30 Day Avg. Volume: N/A
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: $56.00

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. (GNTY) is a financial holding company based in Texas, primarily engaged in providing a wide range of banking and financial services through its wholly-owned subsidiary, Guaranty Bank & Trust, N.A. The company operates in the banking sector, offering personal banking, commercial banking, and wealth management services. Its core products include savings and checking accounts, loans (commercial, consumer, and mortgage), investment services, and trust services, catering to both individual and business clients.

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

Income Statement

Balance Sheet

Cash Flow

Breakdown
Income Statement
Total Revenue
Gross Profit
EBITDA
Net Income
Balance Sheet
Total Assets
Cash, Cash Equivalents and Short-Term Investments
Total Debt
Total Liabilities
Stockholders Equity
Cash Flow
Free Cash Flow
Operating Cash Flow
Investing Cash Flow
Financing Cash Flow

Guaranty Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: ―
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 undefined is equal to the 20-day moving average (MA) of 48.27, equal to the 50-day MA of 45.89, and equal to the 200-day MA of 40.11, indicating a bullish trend. The MACD of 0.84 indicates Positive momentum. The RSI at 57.97 is Neutral, neither overbought nor oversold. The STOCH value of 34.43 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
Sector *	―	―	―	―	―	―	―

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.