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

Guaranty Bancshares, Inc. (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.

Guaranty Bancshares, Inc. (GNTY) Financials

GNTY

Trailing 12 months to June 30, 2025

Revenue $126.3M +10.6% YoY

Net Income $36.1M +37.1% YoY

EPS (Diluted) $3.14 +37.7% YoY

Free Cash Flow $44.6M +32.5% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2025, ended Jun 30, 2025 Reported Aug 6, 2025 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2025, filed Aug 6, 2025. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the GNTY SEC filings page.

Guaranty Bancshares, Inc. (GNTY) reported $126.3M in revenue over the twelve months to Jun 30, 2025, up 10.6% from the prior twelve months. This page shows its 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

Financial Health Score 37/100

Scored as: Banks peer group

Scored against banks for FY2024. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Guaranty Bancshares, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Guaranty Bancshares, Inc. earned a return on assets of 1.0% in fiscal year 2024, which is the profit it made on every dollar of assets on its books. This is up from 0.9% the prior year. Earnings ranks banks on that return over three years, and Guaranty Bancshares, Inc. scores 63/100 among other banks.

Growth

Guaranty Bancshares, Inc. reported revenue of $118.6M in fiscal year 2024, against $119.5M in fiscal year 2023. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Guaranty Bancshares, Inc. scores 10/100 among other banks.

Capital

Guaranty Bancshares, Inc. funded 10.2% of its assets with shareholders' equity at the end of fiscal year 2024, holding $318.5M of equity against $3.1B of assets. Capital ranks banks on that cushion, and Guaranty Bancshares, Inc. scores 34/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Guaranty Bancshares, Inc. scores 38/100 on it among other banks.

Credit Quality

Not available for Guaranty Bancshares, Inc., and counted as zero in the overall score.

Stability

Guaranty Bancshares, Inc. reported net income of $31.5M in fiscal year 2024, against $30.0M in fiscal year 2023. Stability ranks banks on how steady net income has been across five years, and Guaranty Bancshares, Inc. scores 79/100 among other banks.

Piotroski F-Score Partial

7/7

Guaranty Bancshares, Inc. passes 7 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.50x

For every $1 of reported earnings, Guaranty Bancshares, Inc. 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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Earnings & Revenue

Revenue

$33.2M

YoY+16.7%

QoQ+4.6%

5Y CAGR+3.4%

Guaranty Bancshares, Inc. generated $33.2M in revenue in Q2 2025. This represents an increase of 16.7% from the same quarter a year earlier. Against the prior quarter it is up 4.6%.

Net Income

$10.0M

YoY+34.5%

QoQ+15.8%

5Y CAGR+56.2%

Guaranty Bancshares, Inc. reported $10.0M in net income in Q2 2025. This represents an increase of 34.5% from the same quarter a year earlier. Against the prior quarter it is up 15.8%.

EPS (Diluted)

$0.87

YoY+33.8%

QoQ+16.0%

5Y CAGR+57.4%

Guaranty Bancshares, Inc. earned $0.87 per diluted share (EPS) in Q2 2025. This represents an increase of 33.8% from the same quarter a year earlier. Against the prior quarter it is up 16.0%.

EBITDA

Not reported for Q2 2025.

Cash & Balance Sheet

Free Cash Flow

$6.9M

YoY-63.2%

QoQ-44.8%

5Y CAGR+15.3%

Guaranty Bancshares, Inc. generated $6.9M in free cash flow in Q2 2025, representing cash available after capex. This represents a decrease of 63.2% from the same quarter a year earlier. Against the prior quarter it is down 44.8%.

Cash & Debt

Debt $42.0M

YoY-4.3%

QoQ+0.1%

Guaranty Bancshares, Inc. carried $42.0M in long-term debt as of Q2 2025; cash and equivalents are not reported for that period.

Dividends Per Share

$0.25

YoY+4.2%

QoQ0.0%

5Y CAGR+8.0%

Guaranty Bancshares, Inc. paid $0.25 per share in dividends in Q2 2025. This represents an increase of 4.2% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

11M

YoY-0.5%

QoQ+0.1%

5Y CAGR+0.6%

Guaranty Bancshares, Inc. had 11M shares outstanding in Q2 2025. This represents a decrease of 0.5% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Margins & Returns

Net Margin

30.1%

YoY+4.0pp

QoQ+2.9pp

5Y change+26.3pp

Guaranty Bancshares, Inc.'s net profit margin was 30.1% in Q2 2025, showing the share of revenue converted to profit. This is up 4.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.9 percentage points.

Return on Equity

3.0%

YoY+0.6pp

QoQ+0.4pp

5Y change+2.6pp

Guaranty Bancshares, Inc.'s ROE was 3.0% in Q2 2025, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.

Gross Margin

Not reported for Q2 2025.

Operating Margin

Not reported for Q2 2025.

Capital Allocation

Share Buybacks

$621K

YoY-84.8%

QoQ-88.0%

5Y CAGR-25.2%

Guaranty Bancshares, Inc. spent $621K on share buybacks in Q2 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 84.8% from the same quarter a year earlier. Against the prior quarter it is down 88.0%.

Capital Expenditures

$147K

YoY-90.8%

QoQ-29.7%

5Y CAGR-39.6%

Guaranty Bancshares, Inc. invested $147K in capex in Q2 2025, funding long-term assets and infrastructure. This represents a decrease of 90.8% from the same quarter a year earlier. Against the prior quarter it is down 29.7%.

R&D Spending

Not reported for Q2 2025.

GNTY Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

GNTY quarterly income statement

Metric	TTM	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Revenue	$126.3M	$118.6M-0.7%	$119.5M-9.0%	$131.3M+9.3%	$120.1M+6.3%	$113.0M+17.9%	$95.8M+13.8%	$84.2M+13.9%	$73.9M+10.5%	$66.9M+12.9%	$59.2M
SG&A Expenses	$46.7M	$46.8M-4.2%	$48.9M+2.9%	$47.5M+12.1%	$42.3M+13.9%	$37.2M+3.6%	$35.9M+11.8%	$32.1M+18.6%	$27.1M+5.7%	$25.6M+14.0%	$22.5M
Interest Expense	$58.3M	$65.3M+9.7%	$59.5M+286.9%	$15.4M+120.0%	$7.0M-46.5%	$13.1M-44.9%	$23.7M+21.2%	$19.5M+60.8%	$12.2M+11.8%	$10.9M+30.6%	$8.3M
Income Tax	$8.9M	$7.5M+4.8%	$7.1M-19.3%	$8.8M+1.0%	$8.8M+48.4%	$5.9M+2.0%	$5.8M+25.6%	$4.6M-44.2%	$8.2M+74.7%	$4.7M+8.1%	$4.4M
Net Income	$36.1M	$31.5M+5.0%	$30.0M-25.7%	$40.4M+1.6%	$39.8M+45.3%	$27.4M+4.3%	$26.3M+27.6%	$20.6M+42.6%	$14.4M+19.1%	$12.1M+19.9%	$10.1M
EPS (Basic)	N/A	$2.75+7.0%	$2.57-24.0%	$3.38+2.4%	$3.30+46.7%	$2.25+9.8%	$2.05+15.2%	$1.78+26.2%	$1.41+4.4%	$1.35+17.4%	$1.15
EPS (Diluted)	$3.14	$2.74+7.0%	$2.56-23.4%	$3.34+2.5%	$3.26+45.5%	$2.24+9.3%	$2.05+15.8%	$1.77+26.4%	$1.40+3.7%	$1.35+17.4%	$1.15
Diluted Shares (Avg)	N/A	12M-2.0%	12M-2.9%	12M-1.0%	12M-0.4%	12M-4.8%	13M+10.5%	12M+13.0%	10M+14.9%	9M+2.0%	9M

Metric	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K	Q3'2310-Q
Revenue	$33.2M+16.7%	$31.8M+10.1%	$31.9M+11.7%	$29.3M+3.9%	$28.5M-12.6%	$28.8M-4.1%	$28.6M-14.5%	$28.2M-17.2%
SG&A Expenses	$11.8M+0.6%	$12.2M-1.6%	$11.0M-13.1%	$11.6M-3.0%	$11.7M-1.8%	$12.4M+1.4%	$12.7M+2.8%	$11.9M+0.8%
Interest Expense	$13.5M-19.9%	$13.6M-21.0%	$15.0M-11.4%	$16.2M-1.7%	$16.8M+20.0%	$17.2M+43.3%	$17.0M+130.7%	$16.5M+295.2%
Income Tax	$2.5M+53.3%	$2.2M+29.3%	$2.3M+72.2%	$1.8M+24.4%	$1.7M-34.6%	$1.7M-5.5%	$1.3M-24.0%	$1.4M-39.2%
Net Income	$10.0M+34.5%	$8.6M+29.2%	$10.0M+70.4%	$7.4M+17.5%	$7.4M-22.4%	$6.7M-19.2%	$5.9M-26.7%	$6.3M-42.2%
EPS (Basic)	$0.88+35.4%	$0.76+31.0%	$0.87+70.6%	$0.65+20.4%	$0.65-20.7%	$0.58-15.9%	$0.51-25.0%	$0.54-41.3%
EPS (Diluted)	$0.87+33.8%	$0.75+29.3%	$0.87+70.6%	$0.65+20.4%	$0.65-19.8%	$0.58-15.9%	$0.51-22.7%	$0.54-40.7%
Diluted Shares (Avg)	11M-0.8%	11M-1.0%	N/A	11M-1.5%	12M-2.0%	12M-3.4%	N/A	12M-3.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

GNTY Balance Sheet

GNTY quarterly balance sheet

Metric	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Total Assets	$3.1B-2.2%	$3.2B-5.0%	$3.4B+8.6%	$3.1B+12.6%	$2.7B+18.2%	$2.3B+2.3%	$2.3B+15.5%	$2.0B+7.3%	$1.8B	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	$71.5M-21.8%	$91.4M-28.3%	$127.5M+14.5%	$111.4M
Short-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0
Long-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0
Goodwill	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M+71.6%	$18.7M0.0%	$18.7M+0.8%	$18.6M
Total Liabilities	$2.8B-2.9%	$2.9B-5.7%	$3.1B+9.8%	$2.8B+12.8%	$2.5B+20.0%	$2.1B+1.7%	$2.0B+15.2%	$1.8B+4.1%	$1.7B	N/A
Long-Term Debt	$41.9M-8.4%	$45.8M+9.2%	$41.9M+341.4%	$9.5M0.0%	$9.5M	N/A	N/A	N/A	N/A	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+6.9%	$244.6M+18.0%	$207.3M+88.1%	$110.3M+7.7%	$102.4M
Retained Earnings	$177.4M+13.1%	$156.9M+14.0%	$137.6M+27.8%	$107.6M-5.1%	$113.4M+15.5%	$98.2M+22.7%	$80.1M+21.3%	$66.0M+15.5%	$57.2M	N/A

Metric	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K	Q3'2310-Q
Total Assets	$3.1B+2.0%	$3.2B+0.8%	$3.1B-2.2%	$3.1B-4.1%	$3.1B-3.9%	$3.1B-6.8%	$3.2B-5.0%	$3.2B-4.7%
Goodwill	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%	$32.2M0.0%
Total Liabilities	$2.8B+1.4%	$2.8B+0.2%	$2.8B-2.9%	$2.8B-5.3%	$2.8B-4.7%	$2.8B-7.7%	$2.9B-5.7%	$2.9B-5.4%
Long-Term Debt	$42.0M-4.3%	$42.0M-8.4%	$41.9M-8.4%	$43.9M-8.1%	$43.9M-8.1%	$45.8M-6.8%	$45.8M+9.2%	$47.8M+8.8%
Total Equity	$331.3M+7.5%	$325.2M+6.5%	$318.5M+5.0%	$318.8M+7.6%	$308.0M+3.8%	$305.4M+1.9%	$303.3M+2.8%	$296.2M+2.8%
Retained Earnings	$190.4M+15.0%	$183.2M+13.9%	$177.4M+13.1%	$170.1M+10.7%	$165.5M+10.3%	$160.8M+12.4%	$156.9M+14.0%	$153.7M+16.3%

Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

GNTY Cash Flow Statement

GNTY quarterly cash flow statement

Metric	TTM	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Operating Cash Flow	$45.7M	$47.4M+21.0%	$39.2M+0.9%	$38.8M-10.8%	$43.5M+2.4%	$42.5M+32.7%	$32.0M+13.6%	$28.2M-4.9%	$29.7M+32.4%	$22.4M+172.8%	$8.2M
Depreciation & Amortization	N/A	$4.7M+5.6%	$4.5M-3.9%	$4.7M-7.5%	$5.0M+1.5%	$5.0M+4.9%	$4.7M+15.1%	$4.1M+9.9%	$3.7M-0.5%	$3.8M+7.7%	$3.5M
Stock-Based Compensation	N/A	$542K-8.8%	$594K-13.7%	$688K-6.1%	$733K-2.1%	$749K+13.0%	$663K+12.0%	$592K+66.8%	$355K+68.2%	$211K-11.0%	$237K
Capital Expenditures	$1.1M	$3.3M-51.1%	$6.8M+19.3%	$5.7M+96.3%	$2.9M-50.9%	$5.9M+16.0%	$5.1M+79.7%	$2.8M+22.1%	$2.3M+45.1%	$1.6M-60.2%	$4.0M
Free Cash Flow	$44.6M	$44.1M+36.0%	$32.4M-2.2%	$33.2M-18.4%	$40.6M+11.0%	$36.6M+35.8%	$27.0M+6.2%	$25.4M-7.2%	$27.3M+31.4%	$20.8M+395.4%	$4.2M
Investing Cash Flow	$32.5M	$107.7M-25.2%	$144.0M+121.0%	-$685.0M-238.0%	-$202.7M-22.3%	-$165.8M-834.4%	-$17.7M+83.7%	-$108.7M+40.8%	-$183.8M-37.2%	-$134.0M+9.2%	-$147.5M
Financing Cash Flow	$24.8M	-$98.7M+50.7%	-$200.2M-179.1%	$253.0M-17.6%	$306.9M-20.1%	$384.3M+7746.5%	$4.9M-91.9%	$60.6M-48.7%	$118.0M-7.6%	$127.7M-11.9%	$145.0M
Dividends Paid	$11.1M	$10.9M+1.9%	$10.7M+3.6%	$10.3M+9.5%	$9.4M+11.1%	$8.5M+5.2%	$8.1M+14.7%	$7.0M+26.4%	$5.6M+20.5%	$4.6M+2.0%	$4.5M
Share Buybacks	$7.7M	$6.4M-43.3%	$11.2M+27.0%	$8.8M	$0-100.0%	$16.9M+66.9%	$10.1M+137.7%	$4.3M	$0-100.0%	$12.2M-16.1%	$14.6M

Metric	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K	Q3'2310-Q
Operating Cash Flow	$7.1M-65.4%	$12.7M+1035.4%	$10.5M-66.1%	$15.4M+214.8%	$20.4M+107.1%	$1.1M-90.4%	$31.1M+193.5%	-$13.4M-340.6%
Depreciation & Amortization	$1.1M+9.6%	$1.1M+9.4%	$1.2M+22.0%	$1.0M+4.0%	$1.0M+0.1%	$1.0M+0.7%	$1.0M-2.4%	$1.0M-2.5%
Stock-Based Compensation	N/A	$112K-18.8%	N/A	N/A	N/A	$138K-6.8%	N/A	N/A
Capital Expenditures	$147K-90.8%	$209K-79.0%	$184K-86.0%	$540K-65.7%	$1.6M-6.3%	$997K-54.3%	$1.3M+18.5%	$1.6M-6.9%
Free Cash Flow	$6.9M-63.2%	$12.5M+10068.3%	$10.3M-65.2%	$14.8M+199.2%	$18.8M+130.9%	$123K-98.7%	$29.7M+214.0%	-$15.0M-486.2%
Investing Cash Flow	-$15.1M-129.8%	$36.9M-20.4%	-$46.4M-213.4%	$57.0M+119.5%	$50.7M-42.5%	$46.4M+3.6%	-$14.8M-172.4%	$26.0M+148.3%
Financing Cash Flow	-$16.6M+69.2%	$22.2M+134.7%	$18.9M+133.2%	$307K-98.5%	-$53.9M+66.0%	-$63.9M-1227.9%	-$56.9M-16.8%	$20.2M-80.0%
Dividends Paid	$2.8M+2.6%	$2.7M+3.4%	$2.7M+3.0%	$2.7M+2.8%	$2.8M+0.9%	$2.7M+1.0%	$2.7M+1.4%	$2.7M+1.7%
Share Buybacks	$621K-84.8%	$5.2M+1444.2%	$102K-85.2%	$1.8M+8.9%	$4.1M-49.5%	$335K-55.0%	$688K	$1.7M+145.9%

GNTY Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

GNTY quarterly financial ratios

Metric	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Net Margin	26.6%+1.5pp	25.1%-5.7pp	30.8%-2.3pp	33.1%+8.9pp	24.3%-3.2pp	27.4%+3.0pp	24.5%+4.9pp	19.5%+1.4pp	18.1%+1.1pp	17.1%
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%+1.6pp	8.4%+1.5pp	7.0%-4.0pp	11.0%+1.1pp	9.9%
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%+0.2pp	0.9%+0.2pp	0.7%+0.1pp	0.7%	N/A
Debt-to-Equity	0.130.0x	0.150.0x	0.14+0.1x	0.030.0x	0.03-7.8x	7.86-0.4x	8.27-0.2x	8.47-6.8x	15.30	N/A
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04	N/A
FCF Margin	37.2%+10.0pp	27.1%+1.9pp	25.3%-8.6pp	33.8%+1.4pp	32.4%+4.3pp	28.1%-2.0pp	30.1%-6.9pp	37.0%+5.9pp	31.1%+24.0pp	7.1%

Metric	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K	Q3'2310-Q
Net Margin	30.1%+4.0pp	27.2%+4.0pp	31.4%+10.8pp	25.2%+2.9pp	26.1%-3.3pp	23.2%-4.3pp	20.5%-3.4pp	22.3%-9.7pp
Return on Equity	3.0%+0.6pp	2.7%+0.5pp	3.1%+1.2pp	2.3%+0.2pp	2.4%-0.8pp	2.2%-0.6pp	1.9%-0.8pp	2.1%-1.7pp
Return on Assets	0.3%+0.1pp	0.3%+0.1pp	0.3%+0.1pp	0.2%0.0pp	0.2%-0.1pp	0.2%0.0pp	0.2%-0.1pp	0.2%-0.1pp
Debt-to-Equity	0.130.0x	0.130.0x	0.130.0x	0.140.0x	0.140.0x	0.150.0x	0.150.0x	0.160.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	20.8%-45.2pp	39.4%+38.9pp	32.4%	50.6%+103.6pp	66.0%+41.0pp	0.4%-31.3pp	104.0%	-53.0%-64.4pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Guaranty Bancshares, Inc. GNTY	FY2024	$118.6M	$31.5M	26.6%	$553.2M	37/100
Bar Harbor Bankshares BHB	FY2025	$168.9M	$36.9M	21.9%	$636.6M	47/100
Unity Bancorp UNTY	FY2025	$131.8M	$58.0M	44.0%	$549.0M	62/100
South Plains Financial, Inc. SPFI	FY2025	$211.9M	$58.5M	27.6%	$801.4M	47/100
MidWestOne Financial Group MOFG	FY2024	$69.3M	-$60.3M	-87.0%	$1.0B	8/100

Where Guaranty Bancshares, Inc. Ranks

Frequently Asked Questions

What is Guaranty Bancshares, Inc.'s annual revenue?

Guaranty Bancshares, Inc. (GNTY) reported $118.6M in total revenue for fiscal year 2024. This represents a -0.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Guaranty Bancshares, Inc.'s revenue growing?

Guaranty Bancshares, Inc. (GNTY) revenue declined by 0.7% year-over-year, from $119.5M to $118.6M in fiscal year 2024.

Is Guaranty Bancshares, Inc. profitable?

Yes, Guaranty Bancshares, Inc. (GNTY) reported a net income of $31.5M in fiscal year 2024, with a net profit margin of 26.6%.

What is Guaranty Bancshares, Inc.'s net profit margin?

Guaranty Bancshares, Inc. (GNTY) had a net profit margin of 26.6% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Guaranty Bancshares, Inc. pay dividends?

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

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

Guaranty Bancshares, Inc. (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.'s free cash flow?

Guaranty Bancshares, Inc. (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.'s operating cash flow?

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

What are Guaranty Bancshares, Inc.'s total assets?

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

What are Guaranty Bancshares, Inc.'s capital expenditures?

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

Does Guaranty Bancshares, Inc. buy back shares?

Yes, Guaranty Bancshares, Inc. (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. have outstanding?

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

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

Guaranty Bancshares, Inc. (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.'s return on assets (ROA)?

Guaranty Bancshares, Inc. (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.'s Piotroski F-Score?

Guaranty Bancshares, Inc. (GNTY) has a Piotroski F-Score of 7 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Guaranty Bancshares, Inc.'s earnings high quality?

Guaranty Bancshares, Inc. (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.

How financially healthy is Guaranty Bancshares, Inc.?

Guaranty Bancshares, Inc. (GNTY) scores 37 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.