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Guaranty Bancshares (GNTY) Financials

Guaranty Bancshares logo
$40.57 -0.34 (-0.82%)
Closing price 05/23/2025 03:59 PM Eastern
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$40.62 +0.05 (+0.13%)
As of 05/23/2025 04:04 PM Eastern
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Annual Income Statements for Guaranty Bancshares

Annual Income Statements for Guaranty Bancshares

This table shows Guaranty Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 32 30 40
Consolidated Net Income / (Loss)		 31 30 40
Net Income / (Loss) Continuing Operations		 31 30 40
Total Pre-Tax Income 		39 37 49
Total Revenue		 119 119 131
Net Interest Income / (Expense)		 98 97 108
Total Interest Income		 163 156 123
Loans and Leases Interest Income		 139 136 105
Investment Securities Interest Income		 20 18 18
Federal Funds Sold and Securities Borrowed Interest Income		 3.76 2.75 0.86
Total Interest Expense		 65 60 15
Deposits Interest Expense		 59 45 9.75
Long-Term Debt Interest Expense		 2.05 2.14 1.72
Federal Funds Purchased and Securities Sold Interest Expense		 3.50 12 3.86
Other Interest Expense		 0.91 0.76 0.05
Total Non-Interest Income		 21 23 23
Other Service Charges		 20 22 21
Net Realized & Unrealized Capital Gains on Investments		 0.99 0.97 2.61
Provision for Credit Losses		 -2.20 0.00 2.15
Total Non-Interest Expense		 82 82 80
Salaries and Employee Benefits		 47 49 47
Net Occupancy & Equipment Expense		 12 11 11
Other Operating Expenses		 23 22 21
Income Tax Expense		 7.47 7.13 8.83
Net Income / (Loss) Attributable to Noncontrolling Interest		 -0.05 -0.03 -0.02
Basic Earnings per Share		 $2.75 $2.57 $3.38
Weighted Average Basic Shares Outstanding		 11.40M 11.53M 11.94M
Diluted Earnings per Share		 $2.74 $2.56 $3.34
Weighted Average Diluted Shares Outstanding		 11.40M 11.53M 11.94M
Weighted Average Basic & Diluted Shares Outstanding		 11.40M 11.53M 11.94M
Cash Dividends to Common per Share		 $0.96 $0.92 $0.88

Quarterly Income Statements for Guaranty Bancshares

This table shows Guaranty Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 10 7.40 7.44 6.69 5.88 6.30 9.58 8.28 8.02 11
Consolidated Net Income / (Loss)		 10 7.38 7.42 6.68 5.87 6.29 9.58 8.28 8.02 11
Net Income / (Loss) Continuing Operations		 10 7.38 7.42 6.68 5.87 6.29 9.58 8.28 8.02 11
Total Pre-Tax Income 		12 9.17 9.08 8.40 7.21 7.73 12 10 9.78 13
Total Revenue		 32 29 28 29 29 28 33 30 33 34
Net Interest Income / (Expense)		 26 24 24 24 24 23 25 25 28 28
Total Interest Income		 41 40 41 41 41 40 39 37 36 32
Loans and Leases Interest Income		 34 35 35 35 36 35 34 32 30 27
Investment Securities Interest Income		 5.54 4.92 4.88 4.63 4.42 4.36 4.34 4.54 5.08 4.83
Federal Funds Sold and Securities Borrowed Interest Income		 1.41 0.90 0.83 0.63 0.80 0.69 0.81 0.45 0.45 0.19
Total Interest Expense		 15 16 17 17 17 17 14 12 7.36 4.18
Deposits Interest Expense		 14 15 15 14 14 13 9.95 7.66 4.43 2.46
Long-Term Debt Interest Expense		 0.51 0.51 0.51 0.52 0.53 0.53 0.54 0.54 0.51 0.51
Federal Funds Purchased and Securities Sold Interest Expense		 0.09 0.29 1.21 1.92 1.92 2.59 3.35 3.77 2.41 1.21
Other Interest Expense		 0.14 0.21 0.29 0.27 0.22 0.33 0.20 0.01 0.01 0.00
Total Non-Interest Income		 5.73 5.15 4.60 5.26 4.80 4.94 7.87 4.91 5.12 5.80
Other Service Charges		 5.49 4.90 4.37 4.99 4.60 4.72 7.72 4.50 4.64 5.47
Net Realized & Unrealized Capital Gains on Investments		 0.24 0.25 0.23 0.27 0.20 0.22 0.15 0.41 0.48 0.34
Provision for Credit Losses		 -0.25 -0.50 -1.20 -0.25 - 0.00 0.00 0.00 2.80 0.60
Total Non-Interest Expense		 20 21 21 21 21 21 20 20 21 20
Salaries and Employee Benefits		 11 12 12 12 13 12 12 12 12 12
Net Occupancy & Equipment Expense		 3.12 3.03 2.92 2.75 2.76 2.96 2.75 2.83 2.77 2.80
Other Operating Expenses		 5.71 6.07 5.96 5.51 5.93 5.61 5.78 4.87 5.76 5.59
Income Tax Expense		 2.31 1.79 1.65 1.72 1.34 1.44 2.53 1.82 1.76 2.36
Net Income / (Loss) Attributable to Noncontrolling Interest		 -0.01 -0.02 -0.01 -0.01 -0.01 -0.01 -0.01 -0.00 -0.00 -0.00
Basic Earnings per Share		 $0.87 $0.65 $0.65 $0.58 $0.52 $0.54 $0.82 $0.69 $0.67 $0.92
Weighted Average Basic Shares Outstanding		 11.40M 11.42M 11.40M 11.52M 11.53M 11.53M 11.57M 11.80M 11.94M 11.94M
Diluted Earnings per Share		 $0.86 $0.65 $0.65 $0.58 $0.52 $0.54 $0.81 $0.69 $0.66 $0.91
Weighted Average Diluted Shares Outstanding		 11.40M 11.42M 11.40M 11.52M 11.53M 11.53M 11.57M 11.80M 11.94M 11.94M
Weighted Average Basic & Diluted Shares Outstanding		 11.40M 11.42M 11.40M 11.52M 11.53M 11.53M 11.57M 11.80M 11.94M 11.94M
Cash Dividends to Common per Share		 $0.24 $0.24 $0.24 $0.24 $0.23 $0.23 $0.23 $0.23 $0.22 $0.22

Annual Cash Flow Statements for Guaranty Bancshares

This table details how cash moves in and out of Guaranty Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 56 -17 -393
Net Cash From Operating Activities		 47 39 39
Net Cash From Continuing Operating Activities		 47 39 39
Net Income / (Loss) Continuing Operations		 31 30 40
Consolidated Net Income / (Loss)		 31 30 40
Provision For Loan Losses		 -2.20 0.00 2.15
Depreciation Expense		 4.31 4.04 4.21
Amortization Expense		 1.95 2.80 5.64
Non-Cash Adjustments to Reconcile Net Income		 2.16 0.41 -0.57
Changes in Operating Assets and Liabilities, net		 9.71 1.95 -13
Net Cash From Investing Activities		 108 144 -685
Net Cash From Continuing Investing Activities		 108 144 -685
Purchase of Property, Leasehold Improvements and Equipment		 -3.32 -6.78 -5.68
Purchase of Investment Securities		 -2,177 -1,671 -1,099
Sale of Property, Leasehold Improvements and Equipment		 15 3.56 1.86
Sale and/or Maturity of Investments		 2,099 1,765 888
Other Investing Activities, net		 174 53 -470
Net Cash From Financing Activities		 -99 -200 253
Net Cash From Continuing Financing Activities		 -99 -200 253
Net Change in Deposits		 59 -48 11
Issuance of Debt		 1,598 3,310 1,170
Repayment of Debt		 -1,741 -3,442 -911
Repurchase of Common Equity		 -6.37 -11 -8.84
Payment of Dividends		 -11 -11 -10
Other Financing Activities, Net		 2.26 0.70 1.57
Cash Interest Paid		 65 57 14
Cash Income Taxes Paid		 5.54 7.58 9.94

Quarterly Cash Flow Statements for Guaranty Bancshares

This table details how cash moves in and out of Guaranty Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -17 73 17 -16 -41 33 -61 52 -18 53
Net Cash From Operating Activities		 11 15 20 1.12 31 -13 9.84 12 11 5.57
Net Cash From Continuing Operating Activities		 11 15 20 1.12 31 -13 9.84 12 11 5.57
Net Income / (Loss) Continuing Operations		 10 7.38 7.42 6.68 5.87 6.29 9.58 8.28 8.02 11
Consolidated Net Income / (Loss)		 10 7.38 7.42 6.68 5.87 6.29 9.58 8.28 8.02 11
Provision For Loan Losses		 -0.25 -0.50 -1.20 -0.25 - - - 0.00 2.80 0.60
Depreciation Expense		 1.23 1.05 1.01 1.03 1.01 1.01 1.01 1.02 1.03 1.03
Amortization Expense		 0.20 0.54 0.59 0.61 0.64 0.55 0.66 0.95 0.87 1.46
Non-Cash Adjustments to Reconcile Net Income		 0.24 0.34 1.35 0.23 3.18 -1.56 -2.01 0.79 2.78 -1.25
Changes in Operating Assets and Liabilities, net		 -0.90 6.58 11 -7.18 20 -20 0.60 0.67 -4.92 -7.17
Net Cash From Investing Activities		 -46 57 51 46 -15 26 88 45 20 -54
Net Cash From Continuing Investing Activities		 -46 57 51 46 -15 26 88 45 20 -54
Purchase of Property, Leasehold Improvements and Equipment		 -0.18 -0.54 -1.60 -1.00 -1.32 -1.58 -1.70 -2.18 -1.11 -1.69
Purchase of Investment Securities		 -683 -636 -419 -439 -267 -920 -484 0.00 331 -150
Sale of Property, Leasehold Improvements and Equipment		 14 0.25 0.04 0.12 0.06 0.01 3.49 0.00 0.01 1.78
Sale and/or Maturity of Investments		 617 615 422 444 258 933 527 47 161 96
Other Investing Activities, net		 5.26 78 49 42 -5.01 15 43 0.01 - -
Net Cash From Financing Activities		 19 0.31 -54 -64 -57 20 -159 -4.82 -49 101
Net Cash From Continuing Financing Activities		 19 0.31 -54 -64 -57 20 -159 -4.82 -49 101
Net Change in Deposits		 23 43 -1.68 -5.40 -25 55 -21 -58 -109 11
Issuance of Debt		 194 279 535 590 803 770 146 1,591 817 201
Repayment of Debt		 -196 -318 -581 -646 -832 -801 -273 -1,535 -754 -108
Repurchase of Common Equity		 -0.10 -1.84 -4.09 -0.34 -0.69 -1.69 -8.11 -0.74 - -0.69
Payment of Dividends		 -2.74 -2.74 -2.77 -2.65 -2.66 -2.67 -2.74 -2.63 -2.62 -2.62
Other Financing Activities, Net		 0.55 1.15 0.50 0.07 0.18 0.29 - 0.23 0.59 0.50
Cash Interest Paid		 16 16 17 17 17 16 14 10 6.21 4.00
Cash Income Taxes Paid		 1.31 - 4.23 0.00 1.00 2.50 4.08 0.00 2.84 2.70

Annual Balance Sheets for Guaranty Bancshares

This table presents Guaranty Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 3,116 3,185 3,351
Cash and Due from Banks		 47 48 52
Federal Funds Sold		 95 37 47
Interest Bearing Deposits at Other Banks		 3.80 5.21 6.80
Trading Account Securities		 675 601 701
Loans and Leases, Net of Allowance		 0.00 0.00 2,344
Premises and Equipment, Net		 56 57 54
Goodwill		 32 32 32
Intangible Assets		 0.99 1.42 1.86
Other Assets		 2,205 2,403 111
Total Liabilities & Shareholders' Equity		 3,116 3,185 3,351
Total Liabilities		 2,796 2,881 3,056
Non-Interest Bearing Deposits		 837 853 1,052
Interest Bearing Deposits		 1,855 1,780 1,629
Short-Term Debt		 31 30 7.22
Long-Term Debt		 42 186 339
Other Long-Term Liabilities		 31 32 28
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 319 304 296
Total Preferred & Common Equity		 318 303 295
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 318 303 295
Common Stock		 246 243 242
Retained Earnings		 177 157 138
Treasury Stock		 -78 -71 -60
Accumulated Other Comprehensive Income / (Loss)		 -27 -25 -24
Noncontrolling Interest		 0.58 0.55 0.57

Quarterly Balance Sheets for Guaranty Bancshares

This table presents Guaranty Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 3,097 3,082 3,127 3,230 3,206 3,356 3,390
Cash and Due from Banks		 51 45 44 48 48 59 48
Federal Funds Sold		 108 40 24 73 45 95 72
Interest Bearing Deposits at Other Banks		 3.97 4.72 4.92 8.98 4.74 3.70 4.28
Trading Account Securities		 620 592 594 589 605 651 834
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 57 57 57 57 56 55 54
Goodwill		 32 32 32 32 32 32 32
Intangible Assets		 1.10 1.21 1.31 1.52 1.63 1.75 1.97
Other Assets		 2,224 2,309 136 134 113 113 109
Total Liabilities & Shareholders' Equity		 3,097 3,082 3,127 3,230 3,206 3,356 3,390
Total Liabilities		 2,778 2,773 2,822 2,934 2,909 3,056 3,102
Non-Interest Bearing Deposits		 840 820 829 903 915 993 1,141
Interest Bearing Deposits		 1,829 1,806 1,799 1,755 1,687 1,631 1,649
Short-Term Debt		 31 25 39 21 33 13 7.59
Long-Term Debt		 44 89 121 223 243 49 276
Other Long-Term Liabilities		 34 33 34 31 31 30 27
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 319 309 306 297 297 300 289
Total Preferred & Common Equity		 319 308 305 296 297 300 288
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 319 308 305 296 297 300 288
Common Stock		 245 244 243 243 242 242 241
Retained Earnings		 170 165 161 154 150 143 132
Treasury Stock		 -78 -76 -72 -71 -69 -61 -60
Accumulated Other Comprehensive Income / (Loss)		 -19 -26 -27 -30 -27 -25 -25
Noncontrolling Interest		 0.51 0.53 0.54 0.56 0.57 0.57 0.58

Annual Metrics And Ratios for Guaranty Bancshares

This table displays calculated financial ratios and metrics derived from Guaranty Bancshares' official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 -0.73% -9.00% 9.31%
EBITDA Growth		 2.81% -25.59% 1.16%
EBIT Growth		 4.91% -24.60% 1.44%
NOPAT Growth		 4.94% -25.76% 1.55%
Net Income Growth		 4.94% -25.76% 1.55%
EPS Growth		 7.03% -23.35% 2.45%
Operating Cash Flow Growth		 20.96% 0.93% -10.79%
Free Cash Flow Firm Growth		 3.99% 171.72% -365.00%
Invested Capital Growth		 -24.50% -19.10% 65.16%
Revenue Q/Q Growth		 2.90% -3.92% 2.68%
EBITDA Q/Q Growth		 12.15% -6.06% -2.89%
EBIT Q/Q Growth		 15.09% -6.49% -2.57%
NOPAT Q/Q Growth		 15.15% -6.69% -2.74%
Net Income Q/Q Growth		 15.15% -6.69% -2.74%
EPS Q/Q Growth		 14.17% -5.19% -2.62%
Operating Cash Flow Q/Q Growth		 -30.20% 109.28% 12.31%
Free Cash Flow Firm Q/Q Growth		 -8.73% 139.88% -40.12%
Invested Capital Q/Q Growth		 -0.58% -3.99% 12.15%
Profitability Metrics		 - - -
EBITDA Margin		 38.13% 36.81% 45.02%
EBIT Margin		 32.85% 31.08% 37.51%
Profit (Net Income) Margin		 26.55% 25.11% 30.78%
Tax Burden Percent		 80.82% 80.80% 82.07%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 19.18% 19.20% 17.93%
Return on Invested Capital (ROIC)		 6.91% 5.17% 7.84%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.91% 5.17% 7.84%
Return on Net Nonoperating Assets (RNNOA)		 3.20% 4.84% 5.68%
Return on Equity (ROE)		 10.11% 10.01% 13.52%
Cash Return on Invested Capital (CROIC)		 34.83% 26.29% -41.30%
Operating Return on Assets (OROA)		 1.24% 1.14% 1.53%
Return on Assets (ROA)		 1.00% 0.92% 1.26%
Return on Common Equity (ROCE)		 10.09% 9.99% 13.51%
Return on Equity Simple (ROE_SIMPLE)		 9.89% 9.89% 13.70%
Net Operating Profit after Tax (NOPAT)		 31 30 40
NOPAT Margin		 26.55% 25.11% 30.78%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 49.41% 50.35% 44.63%
Operating Expenses to Revenue		 69.01% 68.92% 60.85%
Earnings before Interest and Taxes (EBIT)		 39 37 49
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 45 44 59
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.23 1.23 1.31
Price to Tangible Book Value (P/TBV)		 1.38 1.39 1.48
Price to Revenue (P/Rev)		 3.31 3.13 2.94
Price to Earnings (P/E)		 12.45 12.45 9.56
Dividend Yield		 2.79% 2.84% 2.72%
Earnings Yield		 8.03% 8.03% 10.46%
Enterprise Value to Invested Capital (EV/IC)		 0.82 0.96 0.98
Enterprise Value to Revenue (EV/Rev)		 2.70 4.19 4.77
Enterprise Value to EBITDA (EV/EBITDA)		 7.08 11.38 10.61
Enterprise Value to EBIT (EV/EBIT)		 8.22 13.47 12.73
Enterprise Value to NOPAT (EV/NOPAT)		 10.17 16.68 15.51
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.75 12.76 16.14
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.02 3.28 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.23 0.71 1.17
Long-Term Debt to Equity		 0.13 0.61 1.15
Financial Leverage		 0.46 0.94 0.72
Leverage Ratio		 10.11 10.90 10.77
Compound Leverage Factor		 10.11 10.90 10.77
Debt to Total Capital		 18.62% 41.49% 53.96%
Short-Term Debt to Total Capital		 7.93% 5.71% 1.12%
Long-Term Debt to Total Capital		 10.69% 35.78% 52.83%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.15% 0.11% 0.09%
Common Equity to Total Capital		 81.24% 58.41% 45.95%
Debt to EBITDA		 1.61 4.90 5.86
Net Debt to EBITDA		 -1.61 2.86 4.06
Long-Term Debt to EBITDA		 0.93 4.22 5.74
Debt to NOPAT		 2.32 7.18 8.57
Net Debt to NOPAT		 -2.32 4.20 5.93
Long-Term Debt to NOPAT		 1.33 6.19 8.39
Noncontrolling Interest Sharing Ratio		 0.18% 0.19% 0.10%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 159 153 -213
Operating Cash Flow to CapEx		 0.00% 1,217.23% 1,015.85%
Free Cash Flow to Firm to Interest Expense		 2.43 2.56 -13.84
Operating Cash Flow to Interest Expense		 0.73 0.66 2.53
Operating Cash Flow Less CapEx to Interest Expense		 0.90 0.60 2.28
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.04 0.04
Fixed Asset Turnover		 2.10 2.15 2.44
Capital & Investment Metrics		 - - -
Invested Capital		 392 519 642
Invested Capital Turnover		 0.26 0.21 0.25
Increase / (Decrease) in Invested Capital		 -127 -123 253
Enterprise Value (EV)		 320 500 627
Market Capitalization		 393 374 387
Book Value per Share		 $27.90 $26.31 $24.71
Tangible Book Value per Share		 $24.99 $23.39 $21.86
Total Capital		 392 519 642
Total Debt		 73 215 346
Total Long-Term Debt		 42 186 339
Net Debt		 -73 126 240
Capital Expenditures (CapEx)		 -11 3.22 3.82
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 73 215 346
Total Depreciation and Amortization (D&A)		 6.26 6.85 9.85
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $2.75 $2.57 $3.38
Adjusted Weighted Average Basic Shares Outstanding		 11.40M 11.53M 11.94M
Adjusted Diluted Earnings per Share		 $2.74 $2.56 $3.34
Adjusted Weighted Average Diluted Shares Outstanding		 11.40M 11.53M 11.94M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.40M 11.53M 11.94M
Normalized Net Operating Profit after Tax (NOPAT)		 31 30 40
Normalized NOPAT Margin		 26.55% 25.11% 30.78%
Pre Tax Income Margin		 32.85% 31.08% 37.51%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.60 0.62 3.20
NOPAT to Interest Expense		 0.48 0.50 2.63
EBIT Less CapEx to Interest Expense		 0.77 0.57 2.95
NOPAT Less CapEx to Interest Expense		 0.66 0.45 2.38
Payout Ratios		 - - -
Dividend Payout Ratio		 34.63% 35.65% 25.54%
Augmented Payout Ratio		 54.85% 73.06% 47.40%

Quarterly Metrics And Ratios for Guaranty Bancshares

This table displays calculated financial ratios and metrics derived from Guaranty Bancshares' official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 11.67% 3.91% -12.58% -4.06% -14.55% -17.18% -1.08% -2.39% 11.38% 13.59%
EBITDA Growth		 55.36% 15.83% -22.49% -16.83% -24.27% -41.07% -13.94% -22.91% -13.11% 13.71%
EBIT Growth		 70.90% 18.64% -25.01% -16.80% -26.33% -41.74% -8.56% -22.15% -11.72% 16.02%
NOPAT Growth		 70.61% 17.31% -22.48% -19.28% -26.85% -42.29% -11.05% -22.92% -12.45% 17.80%
Net Income Growth		 70.61% 17.31% -22.48% -19.28% -26.85% -42.29% -11.05% -22.92% -12.45% 17.80%
EPS Growth		 65.38% 20.37% -19.75% -15.94% -21.21% -40.66% -8.99% -21.59% -12.00% 19.74%
Operating Cash Flow Growth		 -66.08% 214.84% 107.14% -90.44% 193.49% -340.56% 144.05% -37.24% 67.34% -64.19%
Free Cash Flow Firm Growth		 6.81% 307.68% 275.31% -1,053.68% 152.40% 120.68% 0.86% -70.41% -593.74% -513.70%
Invested Capital Growth		 -24.50% -27.10% -26.21% 28.39% -19.10% -5.50% 21.01% -0.50% 65.16% 51.06%
Revenue Q/Q Growth		 8.87% 3.04% -1.27% 0.82% 1.30% -13.31% 8.34% -10.19% -1.82% 3.55%
EBITDA Q/Q Growth		 27.77% 0.74% 6.36% 13.47% -4.74% -32.58% 14.12% 3.33% -25.87% -1.55%
EBIT Q/Q Growth		 34.36% 0.99% 8.02% 16.60% -6.73% -36.17% 19.85% 3.24% -26.24% 0.19%
NOPAT Q/Q Growth		 35.63% -0.59% 11.11% 13.89% -6.74% -34.32% 15.69% 3.22% -26.43% 1.24%
Net Income Q/Q Growth		 35.63% -0.59% 11.11% 13.89% -6.74% -34.32% 15.69% 3.22% -26.43% 1.24%
EPS Q/Q Growth		 32.31% 0.00% 12.07% 11.54% -3.70% -33.33% 17.39% 4.55% -27.47% 2.25%
Operating Cash Flow Q/Q Growth		 -31.56% -24.51% 1,719.91% -96.39% 331.76% -236.17% -15.98% 10.69% 89.96% 38.14%
Free Cash Flow Firm Q/Q Growth		 -10.85% -2.26% 263.54% -174.95% 240.29% 142.03% -989.62% 104.12% -34.33% -101.46%
Invested Capital Q/Q Growth		 -0.58% -6.69% -9.27% -10.31% -3.99% -5.55% 57.85% -43.48% 12.15% 20.94%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 43.03% 36.66% 37.50% 34.81% 30.93% 32.89% 42.29% 40.15% 34.90% 46.22%
EBIT Margin		 38.55% 31.24% 31.87% 29.13% 25.19% 27.36% 37.16% 33.59% 29.22% 38.89%
Profit (Net Income) Margin		 31.33% 25.15% 26.06% 23.16% 20.50% 22.27% 29.40% 27.53% 23.95% 31.96%
Tax Burden Percent		 81.25% 80.50% 81.78% 79.51% 81.39% 81.40% 79.11% 81.95% 81.97% 82.18%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.75% 19.50% 18.22% 20.49% 18.61% 18.60% 20.89% 18.05% 18.03% 17.82%
Return on Invested Capital (ROIC)		 8.15% 6.20% 5.98% 6.61% 4.22% 4.98% 7.32% 9.88% 6.10% 8.59%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.15% 6.20% 5.98% 6.61% 4.22% 4.98% 7.32% 9.88% 6.10% 8.59%
Return on Net Nonoperating Assets (RNNOA)		 3.78% 3.21% 3.84% 2.43% 3.96% 4.49% 5.87% 2.26% 4.42% 5.36%
Return on Equity (ROE)		 11.93% 9.41% 9.82% 9.04% 8.18% 9.46% 13.19% 12.14% 10.52% 13.95%
Cash Return on Invested Capital (CROIC)		 34.83% 37.19% 35.44% -18.00% 26.29% 11.43% -11.98% 10.94% -41.30% -31.93%
Operating Return on Assets (OROA)		 1.45% 1.14% 1.16% 1.06% 0.92% 1.03% 1.49% 1.34% 1.19% 1.56%
Return on Assets (ROA)		 1.18% 0.92% 0.95% 0.85% 0.75% 0.84% 1.18% 1.10% 0.98% 1.29%
Return on Common Equity (ROCE)		 11.91% 9.39% 9.80% 9.02% 8.16% 9.44% 13.17% 12.12% 10.51% 13.94%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 8.58% 8.52% 9.30% 0.00% 10.86% 12.39% 12.67% 0.00% 14.43%
Net Operating Profit after Tax (NOPAT)		 10 7.38 7.42 6.68 5.87 6.29 9.58 8.28 8.02 11
NOPAT Margin		 31.33% 25.15% 26.06% 23.16% 20.50% 22.27% 29.40% 27.53% 23.95% 31.96%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.36% 49.79% 51.43% 52.64% 54.08% 52.77% 45.10% 50.20% 45.20% 42.96%
Operating Expenses to Revenue		 62.23% 70.47% 72.34% 71.74% 74.81% 72.64% 62.84% 66.41% 62.42% 59.35%
Earnings before Interest and Taxes (EBIT)		 12 9.17 9.08 8.40 7.21 7.73 12 10 9.78 13
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 14 11 11 10 8.85 9.29 14 12 12 16
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.23 1.21 1.16 1.11 1.23 1.07 1.02 1.05 1.31 1.33
Price to Tangible Book Value (P/TBV)		 1.38 1.36 1.30 1.25 1.39 1.21 1.15 1.18 1.48 1.51
Price to Revenue (P/Rev)		 3.31 3.36 3.12 2.88 3.13 2.56 2.33 2.40 2.94 2.99
Price to Earnings (P/E)		 12.45 14.12 13.54 11.97 12.45 9.88 8.25 8.26 9.56 9.20
Dividend Yield		 2.79% 2.80% 3.04% 3.15% 2.84% 3.31% 3.50% 3.39% 2.72% 2.68%
Earnings Yield		 8.03% 7.08% 7.39% 8.36% 8.03% 10.12% 12.11% 12.11% 10.46% 10.87%
Enterprise Value to Invested Capital (EV/IC)		 0.82 0.76 0.90 0.92 0.96 0.80 0.84 0.60 0.98 0.95
Enterprise Value to Revenue (EV/Rev)		 2.70 2.60 3.33 3.62 4.19 3.48 3.70 1.67 4.77 4.24
Enterprise Value to EBITDA (EV/EBITDA)		 7.08 7.43 9.79 10.20 11.38 9.24 9.05 3.94 10.61 8.91
Enterprise Value to EBIT (EV/EBIT)		 8.22 8.85 11.73 12.07 13.47 10.89 10.65 4.71 12.73 10.73
Enterprise Value to NOPAT (EV/NOPAT)		 10.17 10.95 14.48 15.05 16.68 13.45 13.11 5.76 15.51 13.05
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.75 4.41 9.71 14.95 12.76 23.08 12.79 6.85 16.14 15.69
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.02 1.72 2.16 0.00 3.28 6.80 0.00 5.50 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.23 0.24 0.37 0.52 0.71 0.82 0.93 0.21 1.17 0.98
Long-Term Debt to Equity		 0.13 0.14 0.29 0.39 0.61 0.75 0.82 0.16 1.15 0.96
Financial Leverage		 0.46 0.52 0.64 0.37 0.94 0.90 0.80 0.23 0.72 0.62
Leverage Ratio		 10.11 10.27 10.38 10.70 10.90 11.31 11.18 11.05 10.77 10.85
Compound Leverage Factor		 10.11 10.27 10.38 10.70 10.90 11.31 11.18 11.05 10.77 10.85
Debt to Total Capital		 18.62% 19.03% 26.98% 34.32% 41.49% 45.13% 48.06% 17.23% 53.96% 49.57%
Short-Term Debt to Total Capital		 7.93% 7.90% 5.96% 8.39% 5.71% 3.95% 5.68% 3.68% 1.12% 1.33%
Long-Term Debt to Total Capital		 10.69% 11.13% 21.03% 25.94% 35.78% 41.18% 42.38% 13.56% 52.83% 48.24%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.15% 0.13% 0.12% 0.12% 0.11% 0.10% 0.10% 0.16% 0.09% 0.10%
Common Equity to Total Capital		 81.24% 80.84% 72.89% 65.56% 58.41% 54.77% 51.84% 82.61% 45.95% 50.33%
Debt to EBITDA		 1.61 1.86 2.93 3.81 4.90 5.21 5.17 1.13 5.86 4.66
Net Debt to EBITDA		 -1.61 -2.18 0.61 2.07 2.86 2.43 3.34 -1.72 4.06 2.62
Long-Term Debt to EBITDA		 0.93 1.09 2.29 2.88 4.22 4.76 4.55 0.89 5.74 4.54
Debt to NOPAT		 2.32 2.74 4.34 5.63 7.18 7.59 7.49 1.65 8.57 6.83
Net Debt to NOPAT		 -2.32 -3.21 0.91 3.05 4.20 3.54 4.84 -2.52 5.93 3.84
Long-Term Debt to NOPAT		 1.33 1.60 3.38 4.25 6.19 6.93 6.60 1.30 8.39 6.64
Noncontrolling Interest Sharing Ratio		 0.18% 0.17% 0.18% 0.18% 0.19% 0.19% 0.20% 0.20% 0.10% 0.10%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 137 154 158 -96 128 38 -90 10 -245 -183
Operating Cash Flow to CapEx		 0.00% 5,361.67% 1,307.44% 128.29% 2,474.42% -853.44% 0.00% 536.26% 959.29% 0.00%
Free Cash Flow to Firm to Interest Expense		 9.12 9.48 9.36 -5.61 7.57 2.29 -6.40 0.84 -33.31 -43.68
Operating Cash Flow to Interest Expense		 0.70 0.95 1.21 0.07 1.83 -0.81 0.70 0.98 1.44 1.33
Operating Cash Flow Less CapEx to Interest Expense		 1.64 0.93 1.12 0.01 1.75 -0.91 0.83 0.80 1.29 1.35
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.10 2.03 2.01 2.10 2.15 2.24 2.36 2.38 2.44 2.37
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 392 394 423 466 519 541 573 363 642 572
Invested Capital Turnover		 0.26 0.25 0.23 0.29 0.21 0.22 0.25 0.36 0.25 0.27
Increase / (Decrease) in Invested Capital		 -127 -147 -150 103 -123 -31 99 -1.82 253 193
Enterprise Value (EV)		 320 300 380 428 500 432 482 219 627 543
Market Capitalization		 393 387 356 340 374 318 304 314 387 382
Book Value per Share		 $27.90 $27.95 $26.75 $26.47 $26.31 $25.61 $25.16 $25.09 $24.71 $24.19
Tangible Book Value per Share		 $24.99 $25.04 $23.85 $23.57 $23.39 $22.70 $22.29 $22.25 $21.86 $21.33
Total Capital		 392 394 423 466 519 541 573 363 642 572
Total Debt		 73 75 114 160 215 244 275 63 346 284
Total Long-Term Debt		 42 44 89 121 186 223 243 49 339 276
Net Debt		 -73 -88 24 87 126 114 178 -96 240 160
Capital Expenditures (CapEx)		 -14 0.29 1.56 0.87 1.26 1.57 -1.79 2.18 1.10 -0.08
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 73 75 114 160 215 244 275 63 346 284
Total Depreciation and Amortization (D&A)		 1.43 1.59 1.60 1.64 1.64 1.56 1.67 1.97 1.90 2.50
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.87 $0.65 $0.65 $0.58 $0.52 $0.54 $0.82 $0.69 $0.67 $0.92
Adjusted Weighted Average Basic Shares Outstanding		 11.40M 11.42M 11.40M 11.52M 11.53M 11.53M 11.57M 11.80M 11.94M 11.94M
Adjusted Diluted Earnings per Share		 $0.86 $0.65 $0.65 $0.58 $0.52 $0.54 $0.81 $0.69 $0.66 $0.91
Adjusted Weighted Average Diluted Shares Outstanding		 11.40M 11.42M 11.40M 11.52M 11.53M 11.53M 11.57M 11.80M 11.94M 11.94M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.40M 11.42M 11.40M 11.52M 11.53M 11.53M 11.57M 11.80M 11.94M 11.94M
Normalized Net Operating Profit after Tax (NOPAT)		 10 7.38 7.42 6.68 5.87 6.29 9.58 8.28 8.02 11
Normalized NOPAT Margin		 31.33% 25.15% 26.06% 23.16% 20.50% 22.27% 29.40% 27.53% 23.95% 31.96%
Pre Tax Income Margin		 38.55% 31.24% 31.87% 29.13% 25.19% 27.36% 37.16% 33.59% 29.22% 38.89%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.82 0.56 0.54 0.49 0.42 0.47 0.86 0.84 1.33 3.17
NOPAT to Interest Expense		 0.67 0.45 0.44 0.39 0.35 0.38 0.68 0.69 1.09 2.61
EBIT Less CapEx to Interest Expense		 1.76 0.55 0.45 0.44 0.35 0.37 0.99 0.66 1.18 3.19
NOPAT Less CapEx to Interest Expense		 1.61 0.44 0.35 0.34 0.27 0.29 0.81 0.51 0.94 2.63
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 34.63% 39.58% 40.93% 37.74% 35.65% 33.14% 28.87% 27.73% 25.54% 24.35%
Augmented Payout Ratio		 54.85% 65.00% 66.84% 75.82% 73.06% 65.91% 54.80% 47.72% 47.40% 45.61%

Frequently Asked Questions About Guaranty Bancshares' Financials

When does Guaranty Bancshares's fiscal year end?

According to the most recent income statement we have on file, Guaranty Bancshares' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Guaranty Bancshares' net income changed over the last 2 years?

Guaranty Bancshares' net income appears to be on a downward trend, with a most recent value of $31.49 million in 2024, falling from $40.42 million in 2022. The previous period was $30.01 million in 2023. View Guaranty Bancshares' forecast to see where analysts expect Guaranty Bancshares to go next.

How has Guaranty Bancshares revenue changed over the last 2 years?

Over the last 2 years, Guaranty Bancshares' total revenue changed from $131.31 million in 2022 to $118.62 million in 2024, a change of -9.7%.

How much debt does Guaranty Bancshares have?

Guaranty Bancshares' total liabilities were at $2.80 billion at the end of 2024, a 2.9% decrease from 2023, and a 8.5% decrease since 2022.

How much cash does Guaranty Bancshares have?

In the past 2 years, Guaranty Bancshares' cash and equivalents has ranged from $47.42 million in 2024 to $52.39 million in 2022, and is currently $47.42 million as of their latest financial filing in 2024.

How has Guaranty Bancshares' book value per share changed over the last 2 years?

Over the last 2 years, Guaranty Bancshares' book value per share changed from 24.71 in 2022 to 27.90 in 2024, a change of 12.9%.


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This page (NASDAQ:GNTY) was last updated on 5/25/2025 by MarketBeat.com Staff
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