GNTY Guaranty Bancshares Inc
Price (delayed)
$41.875
Market cap
$478.12M
P/E Ratio
17.52
Dividend/share
$0.96
EPS
$2.39
Enterprise value
$390.22M
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 69% year-on-year and by 34% since the previous quarter
The equity is up by 8% year-on-year and by 3.5% since the previous quarter
The net income has declined by 15% year-on-year but it rose by 4.2% since the previous quarter
Guaranty Bancshares's EPS has decreased by 12% YoY but it has increased by 4.8% from the previous quarter
GNTY's P/E is 50% above its 5-year quarterly average of 11.7 and 31% above its last 4 quarters average of 13.4
GNTY's gross profit is down by 3.6% YoY
Key stats
What are the main financial stats of GNTY
Market
Valuations
Earnings
Shares outstanding
11.42M
Market cap
$478.12M
Enterprise value
$390.22M
Price to earnings (P/E)
17.52
Price to book (P/B)
1.5
Price to sales (P/S)
4.07
EV/EBIT
11.51
EV/EBITDA
10.08
EV/Sales
3.33
Revenue
$117.23M
Gross profit
$117.23M
Operating income
$33.85M
Net income
$27.4M
EBIT
$33.9M
EBITDA
$38.7M
Free cash flow
$63.97M
Per share
Balance sheet
Liquidity
EPS
$2.39
EPS diluted
$2.39
Free cash flow per share
$5.61
Book value per share
$27.95
Revenue per share
$10.28
TBVPS
$268.65
Total assets
$3.1B
Total liabilities
$2.78B
Debt
$75.05M
Equity
$318.78M
Working capital
N/A
Debt to equity
0.24
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.27
Margins
Efficiency
Dividend
EBITDA margin
33%
Gross margin
100%
Net margin
23.4%
Operating margin
28.9%
Return on assets
0.9%
Return on equity
8.9%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
28.9%
Dividend yield
2.29%
DPS
$0.96
Payout ratio
40.2%
GNTY stock price
How has the Guaranty Bancshares stock price performed over time
Intraday
-0.01%
1 week
-0.15%
1 month
22.44%
1 year
39.82%
YTD
21.03%
QTD
21.03%
Financial performance
How have Guaranty Bancshares's revenue and profit performed over time
Revenue
$117.23M
Gross profit
$117.23M
Operating income
$33.85M
Net income
$27.4M
Gross margin
100%
Net margin
23.4%
The operating income has declined by 15% year-on-year but it has grown by 4.4% since the previous quarter
The net income has declined by 15% year-on-year but it rose by 4.2% since the previous quarter
GNTY's operating margin is down by 12% YoY but it is up by 3.2% QoQ
The net margin has declined by 12% year-on-year but it has grown by 3.1% since the previous quarter
Growth
What is Guaranty Bancshares's growth rate over time
Valuation
What is Guaranty Bancshares stock price valuation
P/E
17.52
P/B
1.5
P/S
4.07
EV/EBIT
11.51
EV/EBITDA
10.08
EV/Sales
3.33
GNTY's P/E is 50% above its 5-year quarterly average of 11.7 and 31% above its last 4 quarters average of 13.4
Guaranty Bancshares's EPS has decreased by 12% YoY but it has increased by 4.8% from the previous quarter
GNTY's price to book (P/B) is 25% more than its last 4 quarters average of 1.2 and 15% more than its 5-year quarterly average of 1.3
The equity is up by 8% year-on-year and by 3.5% since the previous quarter
The price to sales (P/S) is 27% more than the 5-year quarterly average of 3.2 and 27% more than the last 4 quarters average of 3.2
Guaranty Bancshares's revenue has decreased by 3.6% YoY
Efficiency
How efficient is Guaranty Bancshares business performance
The company's return on equity fell by 18% YoY but it rose by 2.3% QoQ
The return on assets has increased by 13% since the previous quarter but it has declined by 10% year-on-year
Guaranty Bancshares's ROS has decreased by 12% YoY but it has increased by 2.8% from the previous quarter
The ROIC has grown by 10% from the previous quarter but it has contracted by 8% YoY
Dividends
What is GNTY's dividend history
DPS
$0.96
Dividend yield
2.29%
Payout ratio
40.2%
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 5% YoY
The company's total assets fell by 4.1% YoY
The debt is 76% smaller than the equity
GNTY's debt to equity has shrunk by 71% YoY and by 35% QoQ
The debt has dropped by 69% year-on-year and by 34% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.