Guaranty Bancshares (GNTY) AI Stock Analysis

• Market Cap: $506.24M
• Dividend Yield: 2.17%
• Average Volume (3M): 67.19K
• Price to Earnings (P/E): 14.2
• Beta (1Y): 0.82
• Revenue Growth: 1.61%
• EPS Growth: 38.81%
• Country: US
• Employees: 485
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.87
• Shares Outstanding: 11,345,511
• 10 Day Avg. Volume: 55,377
• 30 Day Avg. Volume: 67,192
• PEG Ratio: 2.34
• Price to Book (P/B): 1.57
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.98
• Enterprise Value/Market Cap: 1.06
• Enterprise Value/Revenue: 0.75
• Enterprise Value/Gross Profit: 4.47
• Enterprise Value/Ebitda: 3.24
• 1Y Price Target: $52.00
• Price Target Upside: 16.54% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 75 Outperform
• Price Target: $48.00 ▲(7.58%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. (NASDAQ: GNTY) is a bank holding company headquartered in Texas, United States. It operates through its wholly-owned subsidiary, Guaranty Bank & Trust, which has been serving customers since 1913. The bank provides a wide array of financial services to individuals, businesses, and governmental entities. Its offerings include personal and commercial banking services, mortgage lending, and wealth management solutions. With a focus on community-oriented banking, Guaranty Bancshares aims to deliver personalized service and innovative financial products to meet the needs of its clients.

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

Guaranty Bancshares Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 44.62
• 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 Neutral. The current price of 44.62 is below the 20-day moving average (MA) of 45.14, above the 50-day MA of 42.75, and above the 200-day MA of 38.55, indicating a neutral trend. The MACD of 0.86 indicates Positive momentum. The RSI at 51.69 is Neutral, neither overbought nor oversold. The STOCH value of 51.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GNTY.

Guaranty Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CCNE	79 Outperform	$511.90M	10.17	9.29%	2.95%	7.40%	―
GNTY	75 Outperform	$506.24M	14.21	11.28%	2.17%	1.61%	38.81%
CBNK	74 Outperform	$575.45M	14.25	12.19%	1.13%	18.85%	6.74%
BHB	72 Outperform	$458.89M	11.64	8.70%	4.02%	6.33%	3.44%
Sector *	62 Neutral	AU$10.03B	9.04	11.83%	4.87%	33.36%	41.81%
FISI	59 Neutral	$529.29M	8.52	-16.42%	4.68%	-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.