GNTY Guaranty Bancshares Inc

Price (delayed)

$34.97

Market cap

$402.75M

P/E Ratio

14.27

Dividend/share

$0.94

EPS

$2.45

Enterprise value

$489.54M

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 dropped by 60% year-on-year and by 26% since the previous quarter
GNTY's P/E is 27% above its last 4 quarters average of 11.2 and 21% above its 5-year quarterly average of 11.8
The net income has declined by 25% year-on-year and by 5% since the previous quarter

Key stats

What are the main financial stats of GNTY
Market
Shares outstanding
11.52M
Market cap
$402.75M
Enterprise value
$489.54M
Valuations
Price to earnings (P/E)
14.27
Price to book (P/B)
1.32
Price to sales (P/S)
3.4
EV/EBIT
13.8
EV/EBITDA
12.17
EV/Sales
4.13
Earnings
Revenue
$118.52M
EBIT
$35.47M
EBITDA
$40.24M
Free cash flow
$26.71M
Per share
EPS
$2.45
Free cash flow per share
$2.32
Book value per share
$26.47
Revenue per share
$10.28
TBVPS
$268.23
Balance sheet
Total assets
$3.13B
Total liabilities
$2.82B
Debt
$159.88M
Equity
$305.37M
Working capital
N/A
Liquidity
Debt to equity
0.52
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.16
Margins
EBITDA margin
34%
Gross margin
100%
Net margin
24%
Operating margin
29.9%
Efficiency
Return on assets
0.9%
Return on equity
9.5%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
29.9%
Dividend
Dividend yield
2.69%
DPS
$0.94
Payout ratio
38.4%

GNTY stock price

How has the Guaranty Bancshares stock price performed over time
Intraday
1.66%
1 week
4.51%
1 month
18.62%
1 year
13.65%
YTD
4.02%
QTD
10.88%

Financial performance

How have Guaranty Bancshares's revenue and profit performed over time
Revenue
$118.52M
Gross profit
$118.52M
Operating income
$35.44M
Net income
$28.44M
Gross margin
100%
Net margin
24%
The net income has declined by 25% year-on-year and by 5% since the previous quarter
The operating income has declined by 24% year-on-year and by 4.6% since the previous quarter
The net margin has declined by 20% year-on-year and by 4.4% since the previous quarter
GNTY's operating margin is down by 18% YoY and by 3.9% QoQ

Growth

What is Guaranty Bancshares's growth rate over time

Valuation

What is Guaranty Bancshares stock price valuation
P/E
14.27
P/B
1.32
P/S
3.4
EV/EBIT
13.8
EV/EBITDA
12.17
EV/Sales
4.13
GNTY's P/E is 27% above its last 4 quarters average of 11.2 and 21% above its 5-year quarterly average of 11.8
Guaranty Bancshares's EPS has decreased by 23% YoY and by 4.7% from the previous quarter
GNTY's price to book (P/B) is 10% more than its last 4 quarters average of 1.2
The price to sales (P/S) is 17% more than the last 4 quarters average of 2.9 and 3% more than the 5-year quarterly average of 3.3
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 27% YoY and by 5% QoQ
The return on assets has declined by 18% year-on-year
Guaranty Bancshares's ROS has decreased by 18% YoY and by 3.9% from the previous quarter
The ROIC has contracted by 15% YoY

Dividends

What is GNTY's dividend history
DPS
$0.94
Dividend yield
2.69%
Payout ratio
38.4%
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 8% YoY and by 2.1% QoQ
The company's total assets fell by 7% YoY
The debt is 48% smaller than the equity
GNTY's debt to equity has shrunk by 61% YoY and by 27% QoQ
The debt has dropped by 60% year-on-year and by 26% since the previous quarter

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