Stock GNTY GUARANTY BANCSHARES, INC.
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Financials Guaranty Bancshares, Inc.

Equities

GNTY

US4007641065

Banks

Market Closed - Nyse
Other stock markets
 04:00:02 2024-04-26 pm EDT 		5-day change 1st Jan Change
29.74 USD +1.40% Intraday chart for Guaranty Bancshares, Inc. +0.71% -11.54%
Apr. 16 Keefe Bruyette & Woods Trims Guaranty Bancshares Price Target to $34 From $35, Maintains Market Perform Rating MT
Apr. 16 Piper Sandler Adjusts Price Target on Guaranty Bancshares to $30 From $34, Keeps Neutral Rating MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 379.2 328.7 454.3 413.6 387.6 343 -
Enterprise Value (EV) 1 379.2 328.7 454.3 413.6 387.6 343 343
P/E ratio 14.5 x 12.1 x 11.5 x 10.4 x 13.1 x 13.3 x 12.4 x
Yield 2.13% 2.6% 2.13% 2.54% 2.74% 3.23% 3.36%
Capitalization / Revenue 3.96 x 2.91 x 3.75 x 3.15 x 3.24 x 2.96 x 2.82 x
EV / Revenue 3.96 x 2.91 x 3.75 x 3.15 x 3.24 x 2.96 x 2.82 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.45 x 1.2 x 1.51 x 1.4 x 1.28 x 1.08 x 1.02 x
Nbr of stocks (in thousands) 12,685 12,071 12,090 11,940 11,529 11,535 -
Reference price 2 29.89 27.23 37.58 34.64 33.62 29.74 29.74
Announcement Date 1/21/20 1/19/21 1/18/22 1/17/23 1/16/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 95.84 113 121.2 131.3 119.5 116 121.8
EBITDA - - - - - - -
EBIT 1 33.31 46.5 46.86 51.41 37.14 33.53 38.06
Operating Margin 34.75% 41.14% 38.66% 39.15% 31.08% 28.91% 31.24%
Earnings before Tax (EBT) 1 32.06 33.3 48.56 49.26 37.14 31.86 34.23
Net income 1 26.28 27.4 39.81 40.45 30.04 25.85 27.74
Net margin 27.42% 24.25% 32.84% 30.8% 25.14% 22.29% 22.77%
EPS 2 2.055 2.245 3.260 3.340 2.560 2.233 2.403
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.6364 0.7091 0.8000 0.8800 0.9200 0.9600 1.000
Announcement Date 1/21/20 1/19/21 1/18/22 1/17/23 1/16/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 30.02 30.34 31.1 33.23 34.32 33.48 30.07 32.58 28.14 28.61 28.84 28.69 29.17 29.47 29.32
EBITDA - - - - - - - - - - - - - - -
EBIT 1 10.73 11.08 11.72 13.24 13.86 12.58 10.1 12.1 7.727 7.207 8.153 8.303 8.68 8.892 8.522
Operating Margin 35.75% 36.53% 37.69% 39.84% 40.4% 37.58% 33.59% 37.16% 27.46% 25.19% 28.26% 28.94% 29.76% 30.17% 29.06%
Earnings before Tax (EBT) 1 11.43 11.08 12.97 13.24 13.26 9.783 10.1 12.1 7.727 7.207 8.403 7.732 7.921 7.971 7.814
Net income 1 9.253 9.159 10.74 10.78 10.9 8.022 8.281 9.581 6.297 5.878 6.688 6.279 6.44 6.448 6.285
Net margin 30.82% 30.19% 34.53% 32.45% 31.77% 23.96% 27.54% 29.41% 22.38% 20.55% 23.19% 21.89% 22.08% 21.88% 21.44%
EPS 2 0.7600 0.7500 0.8800 0.8900 0.9100 0.6700 0.6900 0.8100 0.5400 0.5100 0.5800 0.5400 0.5533 0.5600 0.5367
Dividend per Share 2 0.2000 0.2000 0.2200 0.2200 0.2200 0.2200 0.2300 0.2300 0.2300 0.2300 0.2400 0.2400 0.2400 0.2400 0.2500
Announcement Date 10/18/21 1/18/22 4/18/22 7/18/22 10/17/22 1/17/23 4/17/23 7/17/23 10/16/23 1/16/24 4/15/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 10.4% 10.4% 13.7% 13.8% 10.1% 8.33% 8.53%
ROA (Net income/ Total Assets) 1.13% 1.07% 1.36% 1.24% 0.92% 0.82% 0.88%
Assets 1 2,326 2,561 2,927 3,262 3,265 3,153 3,164
Book Value Per Share 2 20.60 22.70 24.90 24.70 26.30 27.60 29.20
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/21/20 1/19/21 1/18/22 1/17/23 1/16/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Guaranty Bancshares, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
3
Last Close Price
29.74 USD
Average target price
34 USD
Spread / Average Target
+14.32%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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