Guaranty Bancshares Inc Tex Financials

GNTY

Source SEC Filings (10-K/10-Q) Updated Jun 30, 2025 Currency USD FYE December

This page shows Guaranty Bancshares Inc Tex (GNTY) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Neutral

6/9

Guaranty Bancshares Inc Tex passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass.

Earnings Quality Cash-Backed

1.50x

For every $1 of reported earnings, Guaranty Bancshares Inc Tex generates $1.50 in operating cash flow ($47.4M OCF vs $31.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

N/A

EBITDA

N/A

Free Cash Flow

$44.1M

YoY+36.0%

5Y CAGR+10.3%

Guaranty Bancshares Inc Tex generated $44.1M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 36.0% from the prior year.

Net Income

$31.5M

YoY+5.0%

5Y CAGR+3.7%

Guaranty Bancshares Inc Tex reported $31.5M in net income in fiscal year 2024. This represents an increase of 5.0% from the prior year.

EPS (Diluted)

$2.74

YoY+7.0%

5Y CAGR+6.0%

Guaranty Bancshares Inc Tex earned $2.74 per diluted share (EPS) in fiscal year 2024. This represents an increase of 7.0% from the prior year.

Cash & Debt

N/A

Dividends Per Share

$0.96

YoY+4.3%

5Y CAGR+8.4%

Guaranty Bancshares Inc Tex paid $0.96 per share in dividends in fiscal year 2024. This represents an increase of 4.3% from the prior year.

Shares Outstanding

11M

YoY-0.9%

5Y CAGR-0.2%

Guaranty Bancshares Inc Tex had 11M shares outstanding in fiscal year 2024. This represents a decrease of 0.9% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

N/A

Return on Equity

9.9%

YoY+0.0pp

5Y CAGR-0.2pp

Guaranty Bancshares Inc Tex's ROE was 9.9% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 0.0 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$6.4M

YoY-43.3%

5Y CAGR-8.9%

Guaranty Bancshares Inc Tex spent $6.4M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 43.3% from the prior year.

Capital Expenditures

$3.3M

YoY-51.1%

5Y CAGR-8.2%

Guaranty Bancshares Inc Tex invested $3.3M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 51.1% from the prior year.

GNTY Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$65.3M+9.7%	$59.5M+286.9%	$15.4M+120.0%	$7.0M-46.5%	$13.1M-44.9%	$23.7M
Income Tax	$7.5M+4.8%	$7.1M-19.3%	$8.8M+1.0%	$8.8M+48.4%	$5.9M+2.0%	$5.8M
Net Income	$31.5M+5.0%	$30.0M-25.7%	$40.4M+1.6%	$39.8M+45.3%	$27.4M+4.3%	$26.3M
EPS (Diluted)	$2.74+7.0%	$2.56-23.4%	$3.34+2.5%	$3.26+45.5%	$2.24+9.3%	$2.05

Metric	Q2'25	Q1'25	Q2'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$13.5M-0.5%	$13.6M	N/A	$16.2M-3.5%	$16.8M-1.9%	$17.2M	N/A	$16.5M
Income Tax	$2.5M+13.8%	$2.2M	N/A	$1.8M+8.1%	$1.7M-3.9%	$1.7M	N/A	$1.4M
Net Income	$10.0M+15.8%	$8.6M	N/A	$7.4M-0.5%	$7.4M+11.2%	$6.7M	N/A	$6.3M
EPS (Diluted)	$0.87+16.0%	$0.75	N/A	$0.650.0%	$0.65+12.1%	$0.58	N/A	$0.54

GNTY Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$3.1B-2.2%	$3.2B-5.0%	$3.4B+8.6%	$3.1B+12.6%	$2.7B+18.2%	$2.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M
Total Liabilities	$2.8B-2.9%	$2.9B-5.7%	$3.1B+9.8%	$2.8B+12.8%	$2.5B+20.0%	$2.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$41.9M-8.4%	$45.8M+9.2%	$41.9M+341.4%	$9.5M0.0%	$9.5M	N/A
Total Equity	$318.5M+5.0%	$303.3M+2.8%	$295.0M-2.4%	$302.2M+10.8%	$272.6M+4.2%	$261.6M
Retained Earnings	$177.4M+13.1%	$156.9M+14.0%	$137.6M+27.8%	$107.6M-5.1%	$113.4M+15.5%	$98.2M

Metric	Q2'25	Q1'25	Q2'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$3.1B-0.3%	$3.2B+1.2%	$3.1B+0.6%	$3.1B+0.5%	$3.1B-1.5%	$3.1B-1.8%	$3.2B-1.4%	$3.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	$92.4M-14.7%	$108.3M+18.5%	$91.4M-3.8%	$95.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M
Total Liabilities	$2.8B-0.5%	$2.8B+1.1%	$2.8B+0.7%	$2.8B+0.2%	$2.8B-1.7%	$2.8B-2.1%	$2.9B-1.8%	$2.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$42.0M+0.1%	$42.0M+0.1%	$41.9M-4.5%	$43.9M+0.1%	$43.9M-4.3%	$45.8M+0.1%	$45.8M-4.1%	$47.8M
Total Equity	$331.3M+1.9%	$325.2M+2.1%	$318.5M-0.1%	$318.8M+3.5%	$308.0M+0.9%	$305.4M+0.7%	$303.3M+2.4%	$296.2M
Retained Earnings	$190.4M+3.9%	$183.2M+3.3%	$177.4M+4.3%	$170.1M+2.8%	$165.5M+2.9%	$160.8M+2.5%	$156.9M+2.1%	$153.7M

GNTY Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$47.4M+21.0%	$39.2M+0.9%	$38.8M-10.8%	$43.5M+2.4%	$42.5M+32.7%	$32.0M
Capital Expenditures	$3.3M-51.1%	$6.8M+19.3%	$5.7M+96.3%	$2.9M-50.9%	$5.9M+16.0%	$5.1M
Free Cash Flow	$44.1M+36.0%	$32.4M-2.2%	$33.2M-18.4%	$40.6M+11.0%	$36.6M+35.8%	$27.0M
Investing Cash Flow	$107.7M-25.2%	$144.0M+121.0%	-$685.0M-238.0%	-$202.7M-22.3%	-$165.8M-834.4%	-$17.7M
Financing Cash Flow	-$98.7M+50.7%	-$200.2M-179.1%	$253.0M-17.6%	$306.9M-20.1%	$384.3M+7746.5%	$4.9M
Dividends Paid	$10.9M+1.9%	$10.7M+3.6%	$10.3M+9.5%	$9.4M+11.1%	$8.5M+5.2%	$8.1M
Share Buybacks	$6.4M-43.3%	$11.2M+27.0%	$8.8M	$0-100.0%	$16.9M+66.9%	$10.1M

Metric	Q2'25	Q1'25	Q2'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$7.1M-44.5%	$12.7M+20.7%	$10.5M-31.6%	$15.4M-24.5%	$20.4M+1719.9%	$1.1M-96.4%	$31.1M+331.8%	-$13.4M
Capital Expenditures	$147K-29.7%	$209K+13.6%	$184K-65.9%	$540K-66.2%	$1.6M+60.1%	$997K-24.2%	$1.3M-16.6%	$1.6M
Free Cash Flow	$6.9M-44.8%	$12.5M+20.9%	$10.3M-30.3%	$14.8M-21.0%	$18.8M+15174.0%	$123K-99.6%	$29.7M+298.6%	-$15.0M
Investing Cash Flow	-$15.1M-140.9%	$36.9M+179.6%	-$46.4M-181.3%	$57.0M+12.6%	$50.7M+9.2%	$46.4M+413.4%	-$14.8M-157.0%	$26.0M
Financing Cash Flow	-$16.6M-174.7%	$22.2M+17.6%	$18.9M+6046.9%	$307K+100.6%	-$53.9M+15.6%	-$63.9M-12.4%	-$56.9M-381.1%	$20.2M
Dividends Paid	$2.8M+3.5%	$2.7M+0.2%	$2.7M-0.2%	$2.7M-0.9%	$2.8M+4.3%	$2.7M-0.2%	$2.7M-0.4%	$2.7M
Share Buybacks	$621K-88.0%	$5.2M+4971.6%	$102K-94.5%	$1.8M-55.1%	$4.1M+1121.5%	$335K-51.3%	$688K-59.3%	$1.7M

GNTY Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	9.9%0.0pp	9.9%-3.8pp	13.7%+0.5pp	13.2%+3.1pp	10.1%0.0pp	10.1%
Return on Assets	1.0%+0.1pp	0.9%-0.3pp	1.2%-0.1pp	1.3%+0.3pp	1.0%-0.1pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.13-0.0	0.150.0	0.14+0.1	0.030.0	0.03-7.8	7.86
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'25	Q1'25	Q2'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	3.0%+0.4pp	2.7%	N/A	2.3%-0.1pp	2.4%+0.2pp	2.2%	N/A	2.1%
Return on Assets	0.3%+0.1pp	0.3%	N/A	0.2%0.0pp	0.2%+0.0pp	0.2%	N/A	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.130.0	0.130.0	0.130.0	0.140.0	0.140.0	0.150.0	0.15-0.0	0.16
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

Is Guaranty Bancshares Inc Tex profitable?

Yes, Guaranty Bancshares Inc Tex (GNTY) reported a net income of $31.5M in fiscal year 2024.

What is Guaranty Bancshares Inc Tex's earnings per share (EPS)?

Guaranty Bancshares Inc Tex (GNTY) reported diluted earnings per share of $2.74 for fiscal year 2024. This represents a 7.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Does Guaranty Bancshares Inc Tex pay dividends?

Yes, Guaranty Bancshares Inc Tex (GNTY) paid $0.96 per share in dividends during fiscal year 2024.

What is Guaranty Bancshares Inc Tex's return on equity (ROE)?

Guaranty Bancshares Inc Tex (GNTY) has a return on equity of 9.9% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Guaranty Bancshares Inc Tex's free cash flow?

Guaranty Bancshares Inc Tex (GNTY) generated $44.1M in free cash flow during fiscal year 2024. This represents a 36.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Guaranty Bancshares Inc Tex's operating cash flow?

Guaranty Bancshares Inc Tex (GNTY) generated $47.4M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Guaranty Bancshares Inc Tex's total assets?

Guaranty Bancshares Inc Tex (GNTY) had $3.1B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Guaranty Bancshares Inc Tex's capital expenditures?

Guaranty Bancshares Inc Tex (GNTY) invested $3.3M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Guaranty Bancshares Inc Tex buy back shares?

Yes, Guaranty Bancshares Inc Tex (GNTY) spent $6.4M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Guaranty Bancshares Inc Tex have outstanding?

Guaranty Bancshares Inc Tex (GNTY) had 11M shares outstanding as of fiscal year 2024.

What is Guaranty Bancshares Inc Tex's debt-to-equity ratio?

Guaranty Bancshares Inc Tex (GNTY) had a debt-to-equity ratio of 0.13 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Guaranty Bancshares Inc Tex's return on assets (ROA)?

Guaranty Bancshares Inc Tex (GNTY) had a return on assets of 1.0% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Guaranty Bancshares Inc Tex's Piotroski F-Score?

Guaranty Bancshares Inc Tex (GNTY) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Guaranty Bancshares Inc Tex's earnings high quality?

Guaranty Bancshares Inc Tex (GNTY) has an earnings quality ratio of 1.50x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.