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Price (delayed)
$33.88
Market cap
$386.39M
P/E Ratio
14.86
Dividend/share
$0.95
EPS
$2.28
Enterprise value
$410.2M
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 59% year-on-year and by 29% since the previous quarter
The equity is up by 3.8% year-on-year
The net income has declined by 29% year-on-year and by 8% since the previous quarter
Guaranty Bancshares's EPS has decreased by 27% YoY and by 7% from the previous quarter
Key stats
What are the main financial stats of GNTY
Market
Valuations
Earnings
Shares outstanding
11.4M
Market cap
$386.39M
Enterprise value
$410.2M
Price to earnings (P/E)
14.86
Price to book (P/B)
1.27
Price to sales (P/S)
3.37
EV/EBIT
12.64
EV/EBITDA
11.02
EV/Sales
3.55
Revenue
$115.62M
EBIT
$32.45M
EBITDA
$37.21M
Free cash flow
$33.9M
Per share
Balance sheet
Liquidity
EPS
$2.28
Free cash flow per share
$2.94
Book value per share
$26.75
Revenue per share
$10.04
TBVPS
$264.67
Total assets
$3.08B
Total liabilities
$2.77B
Debt
$114.03M
Equity
$308.04M
Working capital
N/A
Debt to equity
0.37
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.64
Margins
Efficiency
Dividend
EBITDA margin
32.2%
Gross margin
100%
Net margin
22.7%
Operating margin
28%
Return on assets
0.8%
Return on equity
8.7%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
28.1%
Dividend yield
2.8%
DPS
$0.95
Payout ratio
41.7%
GNTY stock price
How has the Guaranty Bancshares stock price performed over time
Intraday
-1.37%
1 week
-4.78%
1 month
-1.22%
1 year
22.58%
YTD
0.77%
QTD
-1.45%
Financial performance
How have Guaranty Bancshares's revenue and profit performed over time
Revenue
$115.62M
Gross profit
$115.62M
Operating income
$32.41M
Net income
$26.3M
Gross margin
100%
Net margin
22.7%
The net income has declined by 29% year-on-year and by 8% since the previous quarter
The operating income has declined by 28% year-on-year and by 9% since the previous quarter
GNTY's operating margin is down by 22% YoY and by 6% QoQ
The net margin has declined by 22% year-on-year and by 5% since the previous quarter
Growth
What is Guaranty Bancshares's growth rate over time
Valuation
What is Guaranty Bancshares stock price valuation
P/E
14.86
P/B
1.27
P/S
3.37
EV/EBIT
12.64
EV/EBITDA
11.02
EV/Sales
3.55
Guaranty Bancshares's EPS has decreased by 27% YoY and by 7% from the previous quarter
GNTY's P/E is 26% above its 5-year quarterly average of 11.8 and 19% above its last 4 quarters average of 12.5
GNTY's price to book (P/B) is 6% more than its last 4 quarters average of 1.2 but 2.3% less than its 5-year quarterly average of 1.3
The equity is up by 3.8% year-on-year
The price to sales (P/S) is 12% more than the last 4 quarters average of 3.0 and 5% more than the 5-year quarterly average of 3.2
Guaranty Bancshares's revenue has decreased by 9% YoY and by 2.4% from the previous quarter
Efficiency
How efficient is Guaranty Bancshares business performance
The company's return on equity fell by 30% YoY and by 8% QoQ
The return on assets has declined by 27% year-on-year and by 11% since the previous quarter
The ROIC has contracted by 23% YoY and by 9% from the previous quarter
Guaranty Bancshares's ROS has decreased by 21% YoY and by 6% from the previous quarter
Dividends
What is GNTY's dividend history
DPS
$0.95
Dividend yield
2.8%
Payout ratio
41.7%
Recent dividends
Special dividends are included in TTM DPS and yield
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 4.7% YoY
The company's total assets fell by 3.9% YoY
The debt is 63% smaller than the equity
GNTY's debt to equity has shrunk by 60% YoY and by 29% QoQ
The debt has dropped by 59% year-on-year and by 29% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.