NasdaqGS:GNTY

Stock Analysis Report

Executive Summary

Guaranty Bancshares, Inc. operates as the bank holding company for Guaranty Bank & Trust, N.A.

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.


Similar Companies

Share Price & News

How has Guaranty Bancshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-3.4%

NasdaqGS:GNTY

-1.9%

US Banks

-1.9%

US Market


1 Year Return

-4.9%

NasdaqGS:GNTY

-16.1%

US Banks

-3.3%

US Market

GNTY outperformed the Banks industry which returned -16.1% over the past year.

GNTY underperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

GNTYIndustryMarket
7 Day-3.4%-1.9%-1.9%
30 Day-4.9%-11.1%-6.2%
90 Day-0.6%-4.9%0.3%
1 Year-2.8%-4.9%-13.7%-16.1%-1.1%-3.3%
3 Yearn/a37.8%28.4%37.9%28.9%
5 Yearn/a49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Guaranty Bancshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Guaranty Bancshares undervalued based on future cash flows and its price relative to the stock market?

15.15x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Guaranty Bancshares's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Guaranty Bancshares's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Guaranty Bancshares is overvalued based on earnings compared to the US Banks industry average.

Guaranty Bancshares is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Guaranty Bancshares is poor value based on expected growth next year.


Price Based on Value of Assets

Guaranty Bancshares is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Guaranty Bancshares expected to perform in the next 1 to 3 years based on estimates from 3 analysts?

9.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Guaranty Bancshares's revenue is expected to grow by 7.5% yearly, however this is not considered high growth (20% yearly).

Guaranty Bancshares's earnings are expected to grow by 9.1% yearly, however this is not considered high growth (20% yearly).

Guaranty Bancshares's revenue growth is expected to exceed the United States of America market average.

Guaranty Bancshares's earnings growth is positive but not above the United States of America market average.

Guaranty Bancshares's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Guaranty Bancshares will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Guaranty Bancshares performed over the past 5 years?

22.4%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Guaranty Bancshares has delivered over 20% year on year earnings growth in the past 5 years.

Guaranty Bancshares's 1-year earnings growth exceeds its 5-year average (44.2% vs 22.4%)

Guaranty Bancshares's earnings growth has exceeded the US Banks industry average in the past year (44.2% vs 33.1%).


Return on Equity

Guaranty Bancshares has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Guaranty Bancshares used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Guaranty Bancshares improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Guaranty Bancshares's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Guaranty Bancshares has an acceptable proportion of non-loan assets held.

Guaranty Bancshares has a sufficient allowance for bad loans.

Guaranty Bancshares's liabilities are made up of primarily low risk sources of funding.

Guaranty Bancshares's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Guaranty Bancshares are broadly funded by customer deposits.

Guaranty Bancshares has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Guaranty Bancshares's current dividend yield, its reliability and sustainability?

2.40%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Guaranty Bancshares's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Guaranty Bancshares's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Whilst dividend payments have been stable, Guaranty Bancshares has been paying a dividend for less than 10 years.

Dividend payments have increased, but Guaranty Bancshares only paid a dividend in the past 2 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.9x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Guaranty Bancshares's salary, the management and board of directors tenure and is there insider trading?

5.6yrs

Average management tenure


CEO

Ty Abston (53yo)

6.6yrs

Tenure

US$2,350,180

Compensation

Mr. Tyson T. Abston, also known as Ty, has been the Chief Executive Officer of Guaranty Bancshares, Inc. since 2013. Mr. Abston has been the Chief Executive Officer of Guaranty Bank & Trust, N.A. (formerly ...


CEO Compensation Analysis

Ty's remuneration is about average for companies of similar size in United States of America.

Ty's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

5.6yrs

Average Tenure

59.5yo

Average Age

The average tenure for the Guaranty Bancshares management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

15.6yrs

Average Tenure

63yo

Average Age

The average tenure for the Guaranty Bancshares board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

BuyUS$135,04729 Apr 19
James Bunch
EntityIndividual
Role
Member of the Board of Directors
Director
Shares5,000
Max PriceUS$27.10
BuyUS$3,000,00014 Feb 19
Richard Baker
EntityIndividual
Shares100,000
Max PriceUS$30.00
SellUS$30,19004 Feb 19
Randall Kucera
EntityIndividual
Role
Chief Legal Officer
VP & General Counsel
Shares1,000
Max PriceUS$30.25
BuyUS$288,30025 Jan 19
Richard Baker
EntityIndividual
Shares10,000
Max PriceUS$28.83
SellUS$127,73208 Jan 19
Kirk Lee
EntityIndividual
Role
Member of the Board of Directors
President & Director
Shares3,864
Max PriceUS$33.06
BuyUS$297,49904 Dec 18
Richard Baker
EntityIndividual
Shares10,000
Max PriceUS$29.75
BuyUS$5,39414 Nov 18
Carl Johnson
EntityIndividual
Role
Member of the Board of Directors
Director
Shares178
Max PriceUS$30.30
SellUS$59,47614 Sep 18
Kirk Lee
EntityIndividual
Role
Member of the Board of Directors
President & Director
Shares1,802
Max PriceUS$33.01
BuyUS$122,05013 Sep 18
James Bunch
EntityIndividual
Role
Member of the Board of Directors
Director
Shares3,714
Max PriceUS$33.00
SellUS$105,53813 Sep 18
Kirk Lee
EntityIndividual
Role
Member of the Board of Directors
President & Director
Shares3,198
Max PriceUS$33.00
SellUS$165,51211 Sep 18
Kirk Lee
EntityIndividual
Role
Member of the Board of Directors
President & Director
Shares5,000
Max PriceUS$33.10
BuyUS$39,72911 Sep 18
James Bunch
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,286
Max PriceUS$30.90

Ownership Breakdown


Management Team

  • Cappy Payne (62yo)

    Senior EVP

    • Tenure: 24.1yrs
    • Compensation: US$1.32m
  • Ty Abston (53yo)

    Chairman & CEO

    • Tenure: 6.6yrs
    • Compensation: US$2.35m
  • Kirk Lee (57yo)

    President & Director

    • Tenure: 14.6yrs
    • Compensation: US$1.36m
  • Martin Bell (57yo)

    Executive VP & COO of Guaranty Bank & Trust

    • Tenure: 14.6yrs
    • Compensation: US$131.73k
  • Trent Abbott

    President of Mount Pleasant Location

    • Tenure: 0.0yrs
  • Jeremy Fykes

    Denton Market President

    • Tenure: 3.5yrs
  • Randy Kucera (62yo)

    VP & General Counsel

    • Tenure: 0.0yrs
  • Chuck Cowell (64yo)

    Vice Chairman & Executive VP of Guaranty Bank and Trust

    • Tenure: 0.0yrs
  • Casey Tibbets

    President of Fort Worth Location

    • Tenure: 2.0yrs
  • Sondra Cunningham

    Corporate Secretary

    • Tenure: 0.0yrs

Board Members

  • Art Scharlach (80yo)

    Director

    • Tenure: 40.6yrs
    • Compensation: US$40.53k
  • Cappy Payne (62yo)

    Senior EVP

    • Tenure: 24.1yrs
    • Compensation: US$1.32m
  • Weldon Miller (84yo)

    Lead Independent Director

    • Tenure: 0.0yrs
    • Compensation: US$44.90k
  • Ty Abston (53yo)

    Chairman & CEO

    • Tenure: 6.6yrs
    • Compensation: US$2.35m
  • Bill Priefert (71yo)

    Director

    • Tenure: 17.6yrs
    • Compensation: US$68.23k
  • Kirk Lee (57yo)

    President & Director

    • Tenure: 14.6yrs
    • Compensation: US$1.36m
  • Carl Johnson (64yo)

    Director

    • Tenure: 16.6yrs
    • Compensation: US$90.03k
  • Jim Bunch (57yo)

    Director

    • Tenure: 5.6yrs
    • Compensation: US$88.53k
  • Chris Elliott (50yo)

    Director

    • Tenure: 9.6yrs
    • Compensation: US$89.48k
  • Chuck Cowell (64yo)

    Vice Chairman & Executive VP of Guaranty Bank and Trust

    • Tenure: 0.0yrs

Company Information

Guaranty Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Guaranty Bancshares, Inc.
  • Ticker: GNTY
  • Exchange: NasdaqGS
  • Founded: 1913
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$340.213m
  • Shares outstanding: 11.56m
  • Website: https://www.gnty.com

Number of Employees


Location

  • Guaranty Bancshares, Inc.
  • 16475 Dallas Parkway
  • Suite 600
  • Addison
  • Texas
  • 75001
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
GNTYNasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDMay 1998

Biography

Guaranty Bancshares, Inc. operates as the bank holding company for Guaranty Bank & Trust, N.A. that provides a range of commercial and consumer banking products and services for small- and medium-sized bus ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/25 23:39
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.