GUARANTY BANCSHARES INC (GNTY) Stock Fundamental Analysis
NYSE:GNTY - New York Stock Exchange, Inc. - US4007641065 - Common Stock - Currency: USD
We assign a fundamental rating of 4 out of 10 to GNTY. GNTY was compared to 405 industry peers in the Banks industry. GNTY scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. GNTY is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
GNTY had positive earnings in the past year.
GNTY had a positive operating cash flow in the past year.
In the past 5 years GNTY has always been profitable.
GNTY had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 0.88%, GNTY is doing good in the industry, outperforming 60.80% of the companies in the same industry.
GNTY has a Return On Equity of 8.59%. This is comparable to the rest of the industry: GNTY outperforms 55.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 8.59% | ||
| ROIC | N/A |
ROA(3y)1.05%
ROA(5y)1.09%
ROE(3y)11.17%
ROE(5y)11.34%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of GNTY (23.77%) is comparable to the rest of the industry.
GNTY's Profit Margin has been stable in the last couple of years.
GNTY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.77% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.05%
PM growth 5Y-0.62%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
GNTY does not have a ROIC to compare to the WACC, probably because it is not profitable.
GNTY has less shares outstanding than it did 1 year ago.
The number of shares outstanding for GNTY has been reduced compared to 5 years ago.
The debt/assets ratio for GNTY has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of GNTY is 1.18, which is an excellent value as it means it would take GNTY, only 1.18 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.18, GNTY is doing good in the industry, outperforming 74.62% of the companies in the same industry.
A Debt/Equity ratio of 0.24 indicates that GNTY is not too dependend on debt financing.
GNTY has a Debt to Equity ratio (0.24) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 1.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.69%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GNTY shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.84%.
Measured over the past 5 years, GNTY shows a small growth in Earnings Per Share. The EPS has been growing by 6.10% on average per year.
GNTY shows a decrease in Revenue. In the last year, the revenue decreased by -0.73%.
GNTY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.34% yearly.
EPS 1Y (TTM)7.84%
EPS 3Y-4.93%
EPS 5Y6.1%
EPS Q2Q%70.59%
Revenue 1Y (TTM)-0.73%
Revenue growth 3Y-0.44%
Revenue growth 5Y4.34%
Sales Q2Q%11.67%
3.2 Future
GNTY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.51% yearly.
The Revenue is expected to grow by 4.93% on average over the next years.
EPS Next Y12.39%
EPS Next 2Y9.51%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.53%
Revenue Next 2Y4.93%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 15.23, the valuation of GNTY can be described as correct.
GNTY's Price/Earnings ratio is a bit more expensive when compared to the industry. GNTY is more expensive than 60.80% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.47, GNTY is valued a bit cheaper.
A Price/Forward Earnings ratio of 13.55 indicates a correct valuation of GNTY.
62.56% of the companies in the same industry are cheaper than GNTY, based on the Price/Forward Earnings ratio.
GNTY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 92.74.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.23 | ||
| Fwd PE | 13.55 |
4.2 Price Multiples
84.42% of the companies in the same industry are more expensive than GNTY, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.53 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.23
PEG (5Y)2.5
EPS Next 2Y9.51%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.30%, GNTY has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.15, GNTY is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.28, GNTY has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
5.2 History
The dividend of GNTY is nicely growing with an annual growth rate of 10.35%!
GNTY has paid a dividend for at least 10 years, which is a reliable track record.
As GNTY did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)10.35%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
39.50% of the earnings are spent on dividend by GNTY. This is a low number and sustainable payout ratio.
The dividend of GNTY is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP39.5%
EPS Next 2Y9.51%
EPS Next 3YN/A
GUARANTY BANCSHARES INC
NYSE:GNTY (2/4/2025, 8:04:01 PM)
After market: 41.88 0 (0%)41.88
+1.11 (+2.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners24.75%
Inst Owner Change16%
Ins Owners14.78%
Ins Owner Change2.07%
Market Cap478.27M
Analysts80
Price Target42.84 (2.29%)
Short Float %0.63%
Short Ratio1.09
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
Yearly Dividend0.91
Dividend Growth(5Y)10.35%
DP39.5%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.82%
Min EPS beat(2)5.62%
Max EPS beat(2)18.01%
EPS beat(4)4
Avg EPS beat(4)10.8%
Min EPS beat(4)5.62%
Max EPS beat(4)18.01%
EPS beat(8)5
Avg EPS beat(8)6.89%
EPS beat(12)8
Avg EPS beat(12)7.03%
EPS beat(16)11
Avg EPS beat(16)7.82%
Revenue beat(2)0
Avg Revenue beat(2)-2.24%
Min Revenue beat(2)-2.69%
Max Revenue beat(2)-1.8%
Revenue beat(4)2
Avg Revenue beat(4)-0.72%
Min Revenue beat(4)-2.69%
Max Revenue beat(4)1.46%
Revenue beat(8)3
Avg Revenue beat(8)-1.47%
Revenue beat(12)5
Avg Revenue beat(12)-1.05%
Revenue beat(16)9
Avg Revenue beat(16)-0.07%
PT rev (1m)5%
PT rev (3m)15.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)21.52%
EPS NY rev (3m)21.85%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-0.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.23 | ||
| Fwd PE | 13.55 | ||
| P/S | 4.15 | ||
| P/FCF | 7.53 | ||
| P/OCF | 7.04 | ||
| P/B | 1.5 | ||
| P/tB | 1.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.75
EY6.57%
EPS(NY)3.09
Fwd EY7.38%
FCF(TTM)5.56
FCFY13.28%
OCF(TTM)5.95
OCFY14.21%
SpS10.09
BVpS27.91
TBVpS25
PEG (NY)1.23
PEG (5Y)2.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 8.59% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.77% | ||
| GM | N/A | ||
| FCFM | 55.08% |
ROA(3y)1.05%
ROA(5y)1.09%
ROE(3y)11.17%
ROE(5y)11.34%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.05%
PM growth 5Y-0.62%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 1.18 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 93% | ||
| Cap/Sales | 3.86% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 231.75% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC7.69%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.84%
EPS 3Y-4.93%
EPS 5Y6.1%
EPS Q2Q%70.59%
EPS Next Y12.39%
EPS Next 2Y9.51%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.73%
Revenue growth 3Y-0.44%
Revenue growth 5Y4.34%
Sales Q2Q%11.67%
Revenue Next Year4.53%
Revenue Next 2Y4.93%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y422.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y262.78%
OCF growth 3YN/A
OCF growth 5YN/A