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

13.9

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)

MBIN

$1.36B

-5.9%

TFIN

$497.77M

+2.1%

GNTY

$182.23M

+2.0%

粗利益率 (最新四半期)

TFIN

86.8%

+0.0pp

GNTY

71.1%

+6.2pp

MBIN

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	$1.92B	8.8	9.9%	19.8%
TFIN	$1.42B	55.9	2.8%	0.0%
GNTY	$553.20M	15.3	11.1%	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

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし