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.

Guaranty Bancshares Inc Tex Financials

GNTY

FY2024 annual

Revenue Not reported for FY2024

Net Income $31.5M +5.0% YoY

EPS (Diluted) $2.74 +7.0% YoY

Free Cash Flow $44.1M +36.0% YoY

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

Financial health score not available

Guaranty Bancshares Inc Tex does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

6/6

Guaranty Bancshares Inc Tex passes 6 of 6 computable financial strength tests (3 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.

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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Earnings & Revenue

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.

Revenue

Not reported for fiscal year 2024.

EBITDA

Not reported for fiscal year 2024.

Cash & Balance Sheet

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.

Cash & Debt

Debt $41.9M

Guaranty Bancshares Inc Tex carried $41.9M in long-term debt as of fiscal year 2024; cash and equivalents are not reported for that period.

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-1.2%

5Y CAGR+0.1%

Guaranty Bancshares Inc Tex had 11M shares outstanding in fiscal year 2024. This represents a decrease of 1.2% from the prior year.

Margins & Returns

Return on Equity

9.9%

YoY0.0pp

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. That is unchanged from the prior year.

Gross Margin

Not reported for fiscal year 2024.

Operating Margin

Not reported for fiscal year 2024.

Net Margin

Not reported for fiscal year 2024.

Capital Allocation

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.

R&D Spending

Not reported for fiscal year 2024.

GNTY Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

GNTY quarterly income statement

Metric	TTM	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15
SG&A Expenses	N/A	$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	N/A	$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	N/A	$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	N/A	$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 (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

Metric	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
SG&A Expenses	$11.8M-3.7%	$12.2M	N/A	$11.6M-1.2%	$11.7M-5.7%	$12.4M	N/A	$11.9M
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%	$0.75-13.8%	$0.87+33.8%	$0.650.0%	$0.65+12.1%	$0.58+13.7%	$0.51-5.6%	$0.54

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

GNTY Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

GNTY quarterly balance sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15
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
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	Q2'25	Q1'25	Q4'24	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
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
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

Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Inventory, Accounts Receivable, Current Liabilities.

GNTY Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

GNTY quarterly cash flow statement

Metric	TTM	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15
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
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	Q2'25	Q1'25	Q4'24	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

Margins and returns are percentages; the remaining ratios are unitless multiples.

GNTY quarterly financial ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15
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

Metric	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
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%
Debt-to-Equity	0.130.0x	0.130.0x	0.130.0x	0.140.0x	0.140.0x	0.150.0x	0.150.0x	0.16

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

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Where Guaranty Bancshares Inc Tex Ranks

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.

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 6 computable signals; 3 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 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.