Guaranty Bancshares (GNTY) Competitors

Pathward Financial (NASDAQ:CASH) and Guaranty Bancshares (NASDAQ:GNTY) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, institutional ownership, media sentiment, dividends, valuation, earnings, profitability, community ranking and analyst recommendations.

Is CASH or GNTY more profitable?

Pathward Financial has a net margin of 21.91% compared to Guaranty Bancshares' net margin of 17.15%. Pathward Financial's return on equity of 22.02% beat Guaranty Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Pathward Financial	21.91%	22.02%	2.28%
Guaranty Bancshares	17.15%	10.13%	1.02%

Does the media refer more to CASH or GNTY?

In the previous week, Pathward Financial had 2 more articles in the media than Guaranty Bancshares. MarketBeat recorded 3 mentions for Pathward Financial and 1 mentions for Guaranty Bancshares. Pathward Financial's average media sentiment score of 1.52 beat Guaranty Bancshares' score of 1.34 indicating that Pathward Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Pathward Financial	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
Guaranty Bancshares	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has higher earnings & valuation, CASH or GNTY?

Pathward Financial has higher revenue and earnings than Guaranty Bancshares. Pathward Financial is trading at a lower price-to-earnings ratio than Guaranty Bancshares, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pathward Financial	$616.00M	2.94	$168.36M	$7.41	10.25
Guaranty Bancshares	$118.37M	3.98	$31.54M	$2.92	14.22

Do analysts prefer CASH or GNTY?

Pathward Financial presently has a consensus target price of $92.00, suggesting a potential upside of 21.16%. Guaranty Bancshares has a consensus target price of $41.50, suggesting a potential downside of 0.02%. Given Pathward Financial's higher probable upside, equities analysts clearly believe Pathward Financial is more favorable than Guaranty Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pathward Financial	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50
Guaranty Bancshares	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

Do insiders and institutionals have more ownership in CASH or GNTY?

92.7% of Pathward Financial shares are owned by institutional investors. Comparatively, 39.4% of Guaranty Bancshares shares are owned by institutional investors. 1.2% of Pathward Financial shares are owned by insiders. Comparatively, 22.3% of Guaranty Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Does the MarketBeat Community prefer CASH or GNTY?

Pathward Financial received 110 more outperform votes than Guaranty Bancshares when rated by MarketBeat users. Likewise, 64.05% of users gave Pathward Financial an outperform vote while only 57.84% of users gave Guaranty Bancshares an outperform vote.

Company	Underperform	Outperform
Pathward Financial	Outperform Votes 335 64.05%	Underperform Votes 188 35.95%
Guaranty Bancshares	Outperform Votes 225 57.84%	Underperform Votes 164 42.16%

Which has more risk & volatility, CASH or GNTY?

Pathward Financial has a beta of 0.63, suggesting that its stock price is 37% less volatile than the S&P 500. Comparatively, Guaranty Bancshares has a beta of 0.44, suggesting that its stock price is 56% less volatile than the S&P 500.

Is CASH or GNTY a better dividend stock?

Pathward Financial pays an annual dividend of $0.20 per share and has a dividend yield of 0.3%. Guaranty Bancshares pays an annual dividend of $1.00 per share and has a dividend yield of 2.4%. Pathward Financial pays out 2.7% of its earnings in the form of a dividend. Guaranty Bancshares pays out 34.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Guaranty Bancshares has increased its dividend for 8 consecutive years. Guaranty Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Pathward Financial beats Guaranty Bancshares on 14 of the 19 factors compared between the two stocks.