Guaranty Bancshares, Inc.
Guaranty Bancshares, Inc. Fundamental Analysis
Guaranty Bancshares, Inc. (GNTY) shows moderate financial fundamentals with a PE ratio of 15.34, profit margin of 19.79%, and ROE of 11.15%. The company generates $0.2B in annual revenue with weak year-over-year growth of 2.72%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 53.2/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze GNTY's fundamental strength across five key dimensions:
Efficiency Score
WeakGNTY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentGNTY trades at attractive valuation levels.
Growth Score
WeakGNTY faces weak or negative growth trends.
Financial Health Score
ModerateGNTY shows balanced financial health with some risks.
Profitability Score
ModerateGNTY maintains healthy but balanced margins.
Key Financial Metrics
Is GNTY Expensive or Cheap?
P/E Ratio
GNTY trades at 15.34 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, GNTY's PEG of 1.96 indicates fair valuation.
Price to Book
The market values Guaranty Bancshares, Inc. at 1.67 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 10.42 times EBITDA. This signals the market has high growth expectations.
How Well Does GNTY Make Money?
Net Profit Margin
For every $100 in sales, Guaranty Bancshares, Inc. keeps $19.79 as profit after all expenses.
Operating Margin
Core operations generate 24.61 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.15 in profit for every $100 of shareholder equity.
ROA
Guaranty Bancshares, Inc. generates $1.15 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Guaranty Bancshares, Inc. generates strong operating cash flow of $45.71M, reflecting robust business health.
Free Cash Flow
Guaranty Bancshares, Inc. generates strong free cash flow of $44.63M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.93 in free cash annually.
FCF Yield
GNTY converts 8.06% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.34
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.96
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.67
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.04
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.22
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.15
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.11
vs 25 benchmark
How GNTY Stacks Against Its Sector Peers
| Metric | GNTY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.34 | 18.86 | Better (Cheaper) |
| ROE | 11.15% | 847.00% | Weak |
| Net Margin | 19.79% | 4202.00% | Weak |
| Debt/Equity | 0.22 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 0.15 | 667.17 | Weak Liquidity |
| ROA | 1.15% | -21543.00% (disorted) | Weak |
GNTY outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Guaranty Bancshares, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
71.05%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
34.11%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
65.37%
Industry Style: Value, Dividend, Cyclical
High Growth