GNTY Guaranty Bancshares Inc

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

Price (delayed)

$30.01

Market cap

$345.99M

P/E Ratio

10.99

Dividend/share

$0.91

EPS

$2.73

Enterprise value

$459.94M

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 14% year-on-year and by 11% since the previous quarter
The equity is up by 2.8% year-on-year
GNTY's P/E is 14% above its last 4 quarters average of 9.6 but 11% below its 5-year quarterly average of 12.4
The net income has declined by 23% year-on-year and by 13% since the previous quarter
Guaranty Bancshares's EPS has decreased by 21% YoY and by 12% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.gnty.com
Peers: NIC NKSH

Key stats

What are the main financial stats of GNTY
Market
Shares outstanding
11.53M
Market cap
$345.99M
Enterprise value
$459.94M
Valuations
Price to earnings (P/E)
10.99
Price to book (P/B)
1.17
Price to sales (P/S)
2.86
EV/EBIT
11.58
EV/EBITDA
10.33
EV/Sales
3.78
Earnings
Revenue
$121.56M
EBIT
$39.73M
EBITDA
$44.52M
Free cash flow
$15.67M
Per share
EPS
$2.73
Free cash flow per share
$1.35
Book value per share
$25.61
Revenue per share
$10.51
TBVPS
$276.36
Balance sheet
Total assets
$3.23B
Total liabilities
$2.93B
Debt
$244.12M
Equity
$296.23M
Working capital
N/A
Liquidity
Debt to equity
0.82
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.56
Margins
EBITDA margin
36.6%
Gross margin
100%
Net margin
26.5%
Operating margin
32.7%
Efficiency
Return on assets
1%
Return on equity
10.8%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
32.7%
Dividend
Dividend yield
3.03%
DPS
$0.91
Payout ratio
33.3%

GNTY stock price

How has the Guaranty Bancshares stock price performed over time
Intraday
2.77%
1 week
2.49%
1 month
6.23%
1 year
-13.29%
YTD
-13.37%
QTD
4.6%

Financial performance

How have Guaranty Bancshares's revenue and profit performed over time
Revenue
$121.56M
Gross profit
$121.56M
Operating income
$39.72M
Net income
$32.18M
Gross margin
100%
Net margin
26.5%
The net income has declined by 23% year-on-year and by 13% since the previous quarter
The operating income has declined by 21% year-on-year and by 12% since the previous quarter
The net margin has declined by 18% year-on-year and by 9% since the previous quarter
GNTY's operating margin is down by 17% YoY and by 8% QoQ

Growth

What is Guaranty Bancshares's growth rate over time

Valuation

What is Guaranty Bancshares stock price valuation
P/E
10.99
P/B
1.17
P/S
2.86
EV/EBIT
11.58
EV/EBITDA
10.33
EV/Sales
3.78
Guaranty Bancshares's EPS has decreased by 21% YoY and by 12% from the previous quarter
GNTY's P/E is 14% above its last 4 quarters average of 9.6 but 11% below its 5-year quarterly average of 12.4
GNTY's price to book (P/B) is 10% less than its 5-year quarterly average of 1.3 and 2.5% less than its last 4 quarters average of 1.2
The equity is up by 2.8% year-on-year
The price to sales (P/S) is 16% less than the 5-year quarterly average of 3.4 but 2.1% more than the last 4 quarters average of 2.8
Guaranty Bancshares's revenue has decreased by 5% YoY and by 4.1% from the previous quarter

Efficiency

How efficient is Guaranty Bancshares business performance
The ROIC has contracted by 25% YoY and by 8% from the previous quarter
The company's return on equity fell by 24% YoY and by 14% QoQ
The return on assets has declined by 23% year-on-year and by 9% since the previous quarter
Guaranty Bancshares's ROS has decreased by 17% YoY and by 8% from the previous quarter

Dividends

What is GNTY's dividend history
Dividend details
DPS
$0.91
Dividend yield
3.03%
Payout ratio
33.3%
Recent dividends

Financial health

How did Guaranty Bancshares financials performed over time
The company's total assets is 10% higher than its total liabilities
The company's total assets fell by 4.7% YoY
GNTY's total liabilities is down by 5% YoY
The debt is 18% smaller than the equity
GNTY's debt to equity is down by 16% YoY and by 12% QoQ
The debt has declined by 14% year-on-year and by 11% since the previous quarter

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