Guaranty Bancshares (GNTY) Stock Price, News & Analysis

Company Overview

Guaranty Bancshares, Inc. (NASDAQ: GNTY) is a Texas-based bank holding company headquartered in Addison, Texas. Through its wholly owned subsidiary, Guaranty Bank & Trust, the company offers a full suite of community banking products and services to individuals, small to mid-sized businesses, and agricultural customers. With a network of branches across key Texas markets including Dallas–Fort Worth, Austin, San Antonio and Houston, Guaranty Bancshares focuses on delivering personalized financial solutions rooted in local market knowledge.

The company’s core offerings encompass traditional deposit and lending products, including checking and savings accounts, certificates of deposit, consumer and commercial loans, and real estate financing. In addition to its deposit and lending capabilities, Guaranty Bancshares provides treasury and cash management services, mortgage origination, and wealth management through trust services. The bank’s integrated approach allows clients to access digital banking platforms, automated payment processing and treasury analytics alongside dedicated relationship managers who support tailored credit facilities and capital expansions.

Founded in the early 20th century and structured as a publicly traded entity in the late 2010s, Guaranty Bancshares has grown both organically and through strategic acquisitions to strengthen its footprint across Texas. The company’s leadership team, comprised of seasoned bankers and financial professionals, is guided by a board of directors and senior executives with deep experience in community banking, risk management and customer service. This leadership bench underscores the company’s commitment to maintaining strong credit quality, prudent growth and high levels of client satisfaction as it serves the evolving financial needs of its regional customer base.

Key Stats

• Today's Range: $45.65 to $46.23
• 50-Day Range: $39.22 to $47.01
• 52-Week Range: $29.65 to $47.20
• Volume: 8,955 shs
• Average Volume: 33,189 shs
• Market Capitalization: $518.40 million
• P/E Ratio: 16.64
• Dividend Yield: 2.19%
• Price Target: $45.00
• Consensus Rating: Moderate Buy

Guaranty Bancshares Stock Analysis - MarketRank™

Guaranty Bancshares scored higher than 51% of companies evaluated by MarketBeat, and ranked 602nd out of 906 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 2 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 16.64, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.99.

Price to Earnings Ratio vs. Sector

The P/E ratio of Guaranty Bancshares is 16.64, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.98.

Price to Book Value per Share Ratio

Guaranty Bancshares has a P/B Ratio of 1.74. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.06% 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 2.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Guaranty Bancshares has recently increased by 15.65%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

Guaranty Bancshares pays a meaningful dividend of 2.13%, 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 34.25%. 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

1.06% 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 2.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Guaranty Bancshares has recently increased by 15.65%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.4 / 5
• News Sentiment: 0.32

News Sentiment

Guaranty Bancshares has a news sentiment score of 0.32. 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 lower news sentiment than the 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Guaranty Bancshares this week, compared to 2 articles on an average week.

MarketBeat Follows

2 people have added Guaranty Bancshares to their MarketBeat watchlist in the last 30 days.

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 2025. Since then, GNTY shares have increased by 32.3% and is now trading at $45.77.

How were Guaranty Bancshares' earnings last quarter?

Guaranty Bancshares, Inc. (NASDAQ:GNTY) announced its earnings results on Monday, October, 21st. The company reported $0.65 EPS for the quarter, beating analysts' consensus estimates of $0.62 by $0.03. The firm had revenue of $45.59 million for the quarter, compared to the consensus estimate 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 initial public offering on Tuesday, May 9th 2017. The company issued 2,000,000 shares at $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?

Top institutional shareholders of Guaranty Bancshares include Cultivar Capital Inc. (0.10%). 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
• Today: 7/09/2025
• Dividend Payable: 7/09/2025
• Next Earnings (Estimated): 7/21/2025
• 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: -1.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.92
• Trailing P/E Ratio: 16.64
• Forward P/E Ratio: 14.75
• 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: 4.38
• Cash Flow: $3.54 per share
• Price / Cash Flow: 12.91
• Book Value: $26.35 per share
• Price / Book: 1.73

Miscellaneous

• Outstanding Shares: 11,341,000
• Free Float: 8,409,000
• Market Cap: $518.40 million
• Optionable: Optionable
• Beta: 0.44