GNTY Guaranty Bancshares Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: GNTY

Price (delayed)

$28.3

Market cap

$326.43M

P/E Ratio

11.01

Dividend/share

$0.93

EPS

$2.57

Enterprise value

$452.36M

Guaranty Bancshares, Inc. is a bank holding company that conducts commercial banking activities through its wholly-owned subsidiary, Guaranty Bank & Trust, N.A. As one of the oldest regional community banks ...

Highlights
The debt has declined by 38% year-on-year and by 12% since the previous quarter
The equity is up by 2.8% year-on-year and by 2.4% since the previous quarter
GNTY's P/E is 8% below its 5-year quarterly average of 12.0 but 7% above its last 4 quarters average of 10.3
The net income has declined by 26% year-on-year and by 7% since the previous quarter
Guaranty Bancshares's EPS has decreased by 24% YoY and by 6% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.gnty.com
Peers: NKSH NRIM NIC

Key stats

What are the main financial stats of GNTY
Market
Shares outstanding
11.53M
Market cap
$326.43M
Enterprise value
$452.36M
Valuations
Price to earnings (P/E)
11.01
Price to book (P/B)
1.08
Price to sales (P/S)
2.73
EV/EBIT
12.17
EV/EBITDA
10.79
EV/Sales
3.79
Earnings
Revenue
$119.49M
EBIT
$37.17M
EBITDA
$41.94M
Free cash flow
$35.99M
Per share
EPS
$2.57
Free cash flow per share
$3.12
Book value per share
$26.31
Revenue per share
$10.36
TBVPS
$273.32
Balance sheet
Total assets
$3.18B
Total liabilities
$2.88B
Debt
$215.46M
Equity
$303.3M
Working capital
N/A
Liquidity
Debt to equity
0.71
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3
Margins
EBITDA margin
35.1%
Gross margin
100%
Net margin
25.1%
Operating margin
31.1%
Efficiency
Return on assets
0.9%
Return on equity
10%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
31.1%
Dividend
Dividend yield
3.29%
DPS
$0.93
Payout ratio
36.2%

GNTY stock price

How has the Guaranty Bancshares stock price performed over time
Intraday
2.39%
1 week
-2.75%
1 month
-4.1%
1 year
21.67%
YTD
-15.82%
QTD
-6.79%

Financial performance

How have Guaranty Bancshares's revenue and profit performed over time
Revenue
$119.49M
Gross profit
$119.49M
Operating income
$37.14M
Net income
$30.04M
Gross margin
100%
Net margin
25.1%
The net income has declined by 26% year-on-year and by 7% since the previous quarter
The operating income has declined by 25% year-on-year and by 6% since the previous quarter
The net margin has declined by 20% year-on-year and by 5% since the previous quarter
GNTY's operating margin is down by 18% YoY and by 4.9% QoQ

Growth

What is Guaranty Bancshares's growth rate over time

Valuation

What is Guaranty Bancshares stock price valuation
P/E
11.01
P/B
1.08
P/S
2.73
EV/EBIT
12.17
EV/EBITDA
10.79
EV/Sales
3.79
Guaranty Bancshares's EPS has decreased by 24% YoY and by 6% from the previous quarter
GNTY's P/E is 8% below its 5-year quarterly average of 12.0 but 7% above its last 4 quarters average of 10.3
GNTY's price to book (P/B) is 17% less than its 5-year quarterly average of 1.3
The equity is up by 2.8% year-on-year and by 2.4% since the previous quarter
The price to sales (P/S) is 17% less than the 5-year quarterly average of 3.3 and 2.5% less than the last 4 quarters average of 2.8
Guaranty Bancshares's revenue has decreased by 7% YoY

Efficiency

How efficient is Guaranty Bancshares business performance
The company's return on equity fell by 29% YoY and by 7% QoQ
The ROIC has contracted by 27% YoY and by 8% from the previous quarter
The return on assets has declined by 25% year-on-year and by 10% since the previous quarter
Guaranty Bancshares's ROS has decreased by 19% YoY and by 4.9% from the previous quarter

Dividends

What is GNTY's dividend history
Dividend details
DPS
$0.93
Dividend yield
3.29%
Payout ratio
36.2%
Recent dividends

Financial health

How did Guaranty Bancshares financials performed over time
The company's total assets is 11% higher than its total liabilities
GNTY's total liabilities is down by 6% YoY
The company's total assets fell by 5% YoY
The debt is 29% smaller than the equity
GNTY's debt to equity is down by 39% YoY and by 13% QoQ
The debt has declined by 38% year-on-year and by 12% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.