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Guaranty Bancshares, Inc.

Guaranty Bancshares, Inc.

NASDAQ•GNTY
CEO: Mr. Tyson Todd Abston
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
16475 Dallas Parkway, Suite 600, Addison, TX, 75001, United States
888-572-9881
www.gnty.com
時価総額
$553.20M
PER (TTM)
15.3
15
配当利回り
5.7%
52週高値
$52.34
52週安値
$32.04
52週レンジ
82%
順位34Top 27.8%
4.7
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.7 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q2 2025 データ

売上高

$46.71M+4.91%
直近4四半期の推移

EPS

$0.88+35.38%
直近4四半期の推移

フリーCF

$6.91M-63.23%
直近4四半期の推移

2025 Q2 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

Merchants BancorpMBIN
$1.36B
-5.9%
Guaranty Bancshares, Inc.GNTY
$182.23M
+2.0%
Triumph Financial, Inc.TFIN
$0.00
-100.0%

粗利益率 (最新四半期)

Triumph Financial, Inc.TFIN
87.9%
+0.0pp
Guaranty Bancshares, Inc.GNTY
71.1%
+6.2pp
Merchants BancorpMBIN
44.4%
-5.7pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
MBIN$2.19B10.09.9%19.8%
TFIN$1.47B66.32.4%0.0%
GNTY$553.20M15.311.1%2.3%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
1.4%
緩やかな成長
4四半期純利益CAGR
10.6%
収益性の着実な向上
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

財務レポート
財務データ
全年度

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月6日|
    売上高: $46.71M+4.9%
    |
    EPS: $0.88+35.4%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月6日|
    売上高: $44.56M-1.9%
    |
    EPS: $0.76+31.0%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月14日|
    売上高: $180.89M+2.7%
    |
    EPS: $2.75+6.2%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月6日|
    売上高: $44.80M+1.9%
    |
    EPS: $0.65+20.4%
    予想を上回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月7日|
    売上高: $44.53M-2.9%
    |
    EPS: $0.65-20.7%
    予想を上回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月6日|
    売上高: $45.40M+9.5%
    |
    EPS: $0.58-15.9%
    予想を上回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月14日|
    売上高: $176.10M+20.0%
    |
    EPS: $2.59-23.4%
    予想を上回る

  • Form 10-Q - Q3 2023

    会計期末: 2023年9月30日|提出日: 2023年11月3日|
    売上高: $43.95M+17.0%
    |
    EPS: $0.54-41.3%
    予想通り