Guaranty Bancshares (GNTY) Stock Price, News & Analysis

Company Overview

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, 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 and mobile banking services; debit cards; letters of credit; and treasury management services, including wire transfer, positive pay, remote deposit capture, and automated clearinghouse services. Guaranty Bancshares, Inc. was founded in 1913 and is headquartered in Addison, Texas.

Key Stats

• Today's Range: $41.95 to $43.24
• 50-Day Range: $40.34 to $47.01
• 52-Week Range: $29.65 to $47.20
• Volume: 52,710 shs
• Average Volume: 42,599 shs
• Market Capitalization: $483.23 million
• P/E Ratio: 15.49
• Dividend Yield: 2.35%
• Price Target: $45.00
• Consensus Rating: Moderate Buy

Guaranty Bancshares Stock Analysis - MarketRank™

Guaranty Bancshares scored higher than 59% of companies evaluated by MarketBeat, and ranked 598th out of 919 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Guaranty Bancshares has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Guaranty Bancshares has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 4.84%

Earnings Growth

Earnings for Guaranty Bancshares are expected to grow by 4.84% in the coming year, from $3.10 to $3.25 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Guaranty Bancshares is 15.49, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.09.

Price to Earnings Ratio vs. Sector

The P/E ratio of Guaranty Bancshares is 15.49, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.74.

Price to Book Value per Share Ratio

Guaranty Bancshares has a P/B Ratio of 1.62. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.04% of the float of Guaranty Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Guaranty Bancshares has a short interest ratio ("days to cover") of 1.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Guaranty Bancshares has recently decreased by 15.05%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

Guaranty Bancshares pays a meaningful dividend of 2.20%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Guaranty Bancshares has been increasing its dividend for 8 years.

Dividend Coverage

The dividend payout ratio of Guaranty Bancshares is 31.85%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Guaranty Bancshares will have a dividend payout ratio of 30.77% next year. This indicates that Guaranty Bancshares will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.04% of the float of Guaranty Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Guaranty Bancshares has a short interest ratio ("days to cover") of 1.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Guaranty Bancshares has recently decreased by 15.05%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.4 / 5
• News Sentiment: N/A

News Sentiment

Guaranty Bancshares has a news sentiment score of 1.39. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.80 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Guaranty Bancshares this week, compared to 2 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Guaranty Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

22.31% of the stock of Guaranty Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 39.39% of the stock of Guaranty Bancshares is held by institutions.

GNTY Stock Analysis - Frequently Asked Questions

How have GNTY shares performed this year?

Guaranty Bancshares' stock was trading at $34.60 at the beginning of the year. Since then, GNTY stock has increased by 23.1% and is now trading at $42.6090.

How were Guaranty Bancshares' earnings last quarter?

Guaranty Bancshares, Inc. (NASDAQ:GNTY) released its quarterly earnings data on Monday, October, 21st. The company reported $0.65 EPS for the quarter, topping the consensus estimate of $0.62 by $0.03. The company earned $45.59 million during the quarter, compared to analysts' expectations of $29.40 million. Guaranty Bancshares had a net margin of 17.15% and a trailing twelve-month return on equity of 10.13%.

When did Guaranty Bancshares IPO?

Guaranty Bancshares (GNTY) raised $54 million in an IPO on Tuesday, May 9th 2017. The company issued 2,000,000 shares at a price of $26.00-$28.00 per share. Sandler O’Neill + Partners and Stephens acted as the underwriters for the IPO.

Who are Guaranty Bancshares' major shareholders?

Guaranty Bancshares' top institutional shareholders include Cultivar Capital Inc. (0.10%), Leo Wealth LLC (0.08%) and Public Employees Retirement System of Ohio (0.01%). Insiders that own company stock include Richard W Baker, James S Bunch, Tyson T Abston, Robert P Sharp, Charles A Cowell, Shalene A Jacobson, William Travis Brown and Lisa S Gallerano.
View institutional ownership trends.

How do I buy shares of Guaranty Bancshares?

Shares of GNTY stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Guaranty Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Guaranty Bancshares investors own include Humana (HUM), American Water Works (AWK), Voyager Therapeutics (VYGR), Waste Connections (WCN), The RMR Group (RMR), DiamondRock Hospitality (DRH) and Southern First Bancshares (SFST).

Company Calendar

• Last Earnings: 10/21/2024
• Record date for 7/9 Dividend: 6/30/2025
• Ex-Dividend for 7/9 Dividend: 6/30/2025
• Dividend Payable: 7/09/2025
• Today: 8/01/2025
• Next Earnings (Estimated): 10/20/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: National commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:GNTY
• CIK: 1058867
• Web: www.gnty.com
• Phone: (888) 572-9881
• Fax: N/A
• Employees: 470
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Guaranty Bancshares: $45.00
• High Price Target: $47.00
• Low Price Target: $43.00
• Potential Upside/Downside: +5.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.14
• Trailing P/E Ratio: 15.49
• Forward P/E Ratio: 13.74
• P/E Growth: N/A
• Net Income: $31.54 million
• Net Margins: 17.15%
• Pretax Margin: 18.55%
• Return on Equity: 10.13%
• Return on Assets: 1.02%

Debt

• Debt-to-Equity Ratio: 0.14
• Current Ratio: 0.83
• Quick Ratio: 0.83

Sales & Book Value

• Annual Sales: $118.37 million
• Price / Sales: 4.08
• Cash Flow: $3.30 per share
• Price / Cash Flow: 12.91
• Book Value: $26.35 per share
• Price / Book: 1.62

Miscellaneous

• Outstanding Shares: 11,341,000
• Free Float: 8,409,000
• Market Cap: $483.23 million
• Optionable: Optionable
• Beta: 0.44