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Also traded in: USA

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash-to-Debt 0.31
GNTY's Cash-to-Debt is ranked lower than
75% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. GNTY: 0.31 )
Ranked among companies with meaningful Cash-to-Debt only.
GNTY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.21  Med: 0.74 Max: No Debt
Current: 0.31
0.21
No Debt
Equity-to-Asset 0.11
GNTY's Equity-to-Asset is ranked higher than
56% of the 1386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. GNTY: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
GNTY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.07 Max: 0.11
Current: 0.11
0.06
0.11
Debt-to-Equity 0.59
GNTY's Debt-to-Equity is ranked higher than
67% of the 1222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.72 vs. GNTY: 0.59 )
Ranked among companies with meaningful Debt-to-Equity only.
GNTY' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.09  Med: 0.59 Max: 2.03
Current: 0.59
0.09
2.03
Debt-to-EBITDA 1.76
GNTY's Debt-to-EBITDA is ranked higher than
55% of the 1236 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.99 vs. GNTY: 1.76 )
Ranked among companies with meaningful Debt-to-EBITDA only.
GNTY' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 1.76
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Net Margin % 21.00
GNTY's Net Margin % is ranked lower than
58% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 23.34 vs. GNTY: 21.00 )
Ranked among companies with meaningful Net Margin % only.
GNTY' s Net Margin % Range Over the Past 10 Years
Min: 15.68  Med: 17.7 Max: 22.13
Current: 21
15.68
22.13
ROE % 7.65
GNTY's ROE % is ranked lower than
59% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.73 vs. GNTY: 7.65 )
Ranked among companies with meaningful ROE % only.
GNTY' s ROE % Range Over the Past 10 Years
Min: 8.66  Med: 11.11 Max: 14.34
Current: 7.65
8.66
14.34
ROA % 0.81
GNTY's ROA % is ranked lower than
57% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. GNTY: 0.81 )
Ranked among companies with meaningful ROA % only.
GNTY' s ROA % Range Over the Past 10 Years
Min: 0.64  Med: 0.76 Max: 1.04
Current: 0.81
0.64
1.04
3-Year Revenue Growth Rate 48.90
GNTY's 3-Year Revenue Growth Rate is ranked higher than
98% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. GNTY: 48.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
GNTY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 5.5  Med: 14.7 Max: 48.9
Current: 48.9
5.5
48.9
3-Year EPS without NRI Growth Rate -100.00
GNTY's 3-Year EPS without NRI Growth Rate is ranked lower than
99% of the 1163 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.80 vs. GNTY: -100.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
GNTY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -100  Med: 0.1 Max: 17.6
Current: -100
-100
17.6
GuruFocus has detected 3 Warning Signs with Guaranty Bancshares Inc GNTY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» GNTY's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Insider Trades

Financial Reports

8-K Current report
2018/06/18
8-K Current report
2018/06/15
8-K Current report
2018/06/01
8-K Current report
2018/05/22
8-K Current report
2018/05/21
8-K Current report
2018/05/17
8-K Current report
2018/05/16

Latest Guru Trades with GNTY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6712
Compare:NAS:CFBI, OTCPK:WBBW, OTCPK:FDVA, NAS:CZWI, NAS:SSBI, NAS:WEBK, NAS:FBSS, OTCPK:COFS, OTCPK:FPBK, OTCPK:CBCO, OTCPK:CMTV, OTCPK:HARL, NAS:SVBI, OTCPK:AFCB, NAS:AMRB, OTCPK:FABK, NAS:EMCF, NAS:PNBK, NAS:CWBC, NAS:SFBC » details
Traded in other countries:GNTY.USA,
Headquarter Location:USA
Guaranty Bancshares Inc is a bank holding company providing commercial and consumer banking products and services, as well as mortgage, trust, and wealth management products and services.

Guaranty Bancshares Inc is a bank holding company conducting banking activities through its wholly-owned subsidiary. The company provides its customers with a full array of relationship-driven commercial and consumer banking products and services, as well as mortgage, trust, and wealth management products and services that are tailored to meet the needs of small and medium-sized businesses, professionals, and individuals.

Ratios

vs
industry
vs
history
Price-to-Owner-Earnings 5.01
GNTY's Price-to-Owner-Earnings is ranked higher than
86% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.15 vs. GNTY: 5.01 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
GNTY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0  Med: 0 Max: 9.49
Current: 5.01
0
9.49
PB Ratio 0.34
GNTY's PB Ratio is ranked higher than
93% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. GNTY: 0.34 )
Ranked among companies with meaningful PB Ratio only.
GNTY' s PB Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.73
Current: 0.34
0
0.73
PS Ratio 1.04
GNTY's PS Ratio is ranked higher than
89% of the 1373 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. GNTY: 1.04 )
Ranked among companies with meaningful PS Ratio only.
GNTY' s PS Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 2.54
Current: 1.04
0
2.54
Price-to-Free-Cash-Flow 3.36
GNTY's Price-to-Free-Cash-Flow is ranked higher than
82% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. GNTY: 3.36 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
GNTY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0  Med: 0 Max: 5.23
Current: 3.36
0
5.23
Price-to-Operating-Cash-Flow 2.94
GNTY's Price-to-Operating-Cash-Flow is ranked higher than
82% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.07 vs. GNTY: 2.94 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
GNTY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0  Med: 0 Max: 4.96
Current: 2.94
0
4.96
EV-to-Revenue 2.17
GNTY's EV-to-Revenue is ranked higher than
86% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.50 vs. GNTY: 2.17 )
Ranked among companies with meaningful EV-to-Revenue only.
GNTY' s EV-to-Revenue Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 2.17

Buy Back

vs
industry
vs
history
3-Year Dividend Growth Rate -100.00
GNTY's 3-Year Dividend Growth Rate is ranked lower than
93% of the 790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. GNTY: -100.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
GNTY' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -47.35 Max: 14
Current: -100
0
14

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.41
GNTY's Price-to-Tangible-Book is ranked higher than
89% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. GNTY: 0.41 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
GNTY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.92  Med: 1.34 Max: 1.87
Current: 0.41
0.92
1.87

More Statistics

Revenue (TTM) (Mil) $80.46
52-Week Range $25.34 - 26.50
Shares Outstanding (Mil)2.83

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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