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Guaranty Bancshares, Inc.

Guaranty Bancshares, Inc.

NASDAQ•GNTY
CEO: Mr. Tyson Todd Abston
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2017-05-09
Guaranty Bancshares, Inc. operates as the bank holding company for Guaranty Bank & Trust, N.A. that provides a range of commercial and consumer banking products and services for small- and medium-sized businesses, professionals, and individuals. The company offers checking and savings, money market, and business accounts, as well as certificates of deposit; and commercial and industrial, construction and development, 1-4 family residential, commercial real estate, farmland, agricultural, multi-family residential, and consumer loans. It also provides trustee, custodial and escrow, investment management, retirement plan, ATM, night depository, direct deposit, and cashier's check services, as well as online and mobile banking services; debit cards; letters of credit; and treasury management services, including wire transfer, positive pay, remote deposit capture, and automated clearinghouse services. Guaranty Bancshares, Inc. was founded in 1913 and is headquartered in Addison, Texas.
Contact Information
16475 Dallas Parkway, Suite 600, Addison, TX, 75001, United States
888-572-9881
www.gnty.com
Market Cap
$553.20M
P/E (TTM)
15.3
15.2
Dividend Yield
6.2%
52W High
$52.34
52W Low
$32.04
52W Range
82%
Rank38Top 27.7%
4.7
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.7 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q2 2025 Data

Revenue

$46.71M+4.91%
4-Quarter Trend

EPS

$0.88+35.38%
4-Quarter Trend

FCF

$6.91M-63.23%
4-Quarter Trend

2025 Q2 Earnings Highlights

Key Highlights

Net Earnings Up Significantly Q2 2025 net earnings $10.0M, up 34.5% YoY from $7.4M; diluted EPS $0.87 vs $0.65, reflecting strong quarterly performance.
Net Interest Margin Improves Sharply Fully taxable equivalent NIM rose 45 bps YoY to 3.71% in Q2 2025, driven primarily by decreased deposit costs and higher asset yields.
Capital and Liquidity Remain Strong Total equity to average assets 10.6%; contingent liquidity $1.3B available; all regulatory capital ratios exceed well-capitalized requirements.
Noninterest Income Boosted by Restitution Q2 2025 noninterest income increased 20.9% to $5.6M, primarily due to a $1.0M restitution payment offsetting derivative losses.

Risk Factors

Nonaccrual Loans Increased Substantially Nonaccrual loans surged 176% since Dec 2024 to $10.3M; NPA ratio doubled to 0.33% of total assets, signaling increased credit risk.
Proposed Merger Subject to Risks Merger with GBCI faces risks including regulatory approval delays, integration challenges, and potential loss of key personnel or customers.
Equity Value Sensitive to Rates Fair value of equity is highly sensitive; +300 bps rate shock simulation shows a potential 10.71% decrease in fair value of equity.
Funding Cost Reduction Slowing Average cost of interest-bearing deposits decreased only 7 bps QoQ to 2.76%; future NIM expansion depends heavily on continued cost control.

Outlook

GBCI Merger Expected Q4 2025 Proposed merger with Glacier Bancorp, Inc. is expected to close in the fourth quarter of 2025, subject to customary closing conditions.
Provisioning Strategy Stabilized Management recorded no provision for credit losses in Q2 2025 due to stabilized economic outlooks and reduced real estate portfolio risk.
Future Performance Depends on Rates Fluctuations in market interest rates and the Texas regional economy remain the largest drivers of periodic changes in NII and NIM.
Noninterest Expense Driven by Merger Legal and professional fees increased, primarily related to the GBCI merger; technology investments continue for efficiency and growth.

Peer Comparison

Revenue (TTM)

Merchants BancorpMBIN
$1.39B
-1.8%
Triumph Financial, Inc.TFIN
$478.45M
-2.1%
Guaranty Bancshares, Inc.GNTY
$182.23M
+2.0%

Gross Margin (Latest Quarter)

Triumph Financial, Inc.TFIN
96.1%
+14.8pp
Guaranty Bancshares, Inc.GNTY
71.1%
+6.2pp
Merchants BancorpMBIN
-39.8%
-79.8pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
MBIN$1.66B6.711.2%15.0%
TFIN$1.53B166.01.0%0.0%
GNTY$553.20M15.311.1%2.3%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.4%
Moderate Growth
4Q Net Income CAGR
10.6%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Reports
All Years

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 6, 2025|
    Revenue: $46.71M+4.9%
    |
    EPS: $0.88+35.4%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 6, 2025|
    Revenue: $44.56M-1.9%
    |
    EPS: $0.76+31.0%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 14, 2025|
    Revenue: $180.89M+2.7%
    |
    EPS: $2.75+6.2%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 6, 2024|
    Revenue: $44.80M+1.9%
    |
    EPS: $0.65+20.4%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 7, 2024|
    Revenue: $44.53M-2.9%
    |
    EPS: $0.65-20.7%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 6, 2024|
    Revenue: $45.40M+9.5%
    |
    EPS: $0.58-15.9%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 14, 2024|
    Revenue: $176.10M+20.0%
    |
    EPS: $2.59-23.4%
    Beat

  • Form 10-Q - Q3 2023

    Period End: Sep 30, 2023|Filed: Nov 3, 2023|
    Revenue: $43.95M+17.0%
    |
    EPS: $0.54-41.3%
    Meet