We’ve recently updated our valuation analysis.

Guaranty Bancshares Valuation

Is GNTY undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for GNTY?

Other financial metrics that can be useful for relative valuation.

GNTY key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio-3x

Price to Earnings Ratio vs Peers

How does GNTY's PE Ratio compare to its peers?

The above table shows the PE ratio for GNTY vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average9x
RBB RBB Bancorp
6.7x-0.07%US$419.4m
PFIS Peoples Financial Services
9x1.9%US$408.8m
WBHC Wilson Bank Holding
7.4xn/aUS$401.1m
JMSB John Marshall Bancorp
13xn/aUS$402.2m
GNTY Guaranty Bancshares
10.1x-3.4%US$419.2m

Price-To-Earnings vs Peers: GNTY is expensive based on its Price-To-Earnings Ratio (10.1x) compared to the peer average (9x).


Price to Earnings Ratio vs Industry

How does GNTY's PE Ratio compare vs other companies in the US Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a8.0%
n/an/an/a

Price-To-Earnings vs Industry: GNTY is expensive based on its Price-To-Earnings Ratio (10.1x) compared to the US Banks industry average (10.1x)


Price to Earnings Ratio vs Fair Ratio

What is GNTY's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

GNTY PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio10.1x
Fair PE Ratio8.9x

Price-To-Earnings vs Fair Ratio: GNTY is expensive based on its Price-To-Earnings Ratio (10.1x) compared to the estimated Fair Price-To-Earnings Ratio (8.9x).


Share Price vs Fair Value

What is the Fair Price of GNTY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: GNTY ($35.11) is trading below our estimate of fair value ($64.47)

Significantly Below Fair Value: GNTY is trading below fair value by more than 20%.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst GNTY forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$34.89
US$39.33
+12.7%
2.4%US$40.00US$38.00n/a3
Nov ’23US$36.92
US$39.33
+6.5%
2.4%US$40.00US$38.00n/a3
Oct ’23US$34.59
US$39.67
+14.7%
3.1%US$41.00US$38.00n/a3
Sep ’23US$35.07
US$39.67
+13.1%
3.1%US$41.00US$38.00n/a3
Aug ’23US$37.33
US$39.67
+6.3%
3.1%US$41.00US$38.00n/a3
Jul ’23US$36.63
US$41.00
+11.9%
4.6%US$43.00US$38.00n/a4
Jun ’23US$36.70
US$41.00
+11.7%
4.6%US$43.00US$38.00n/a4
May ’23US$34.40
US$41.00
+19.2%
4.6%US$43.00US$38.00n/a4
Apr ’23US$35.28
US$43.25
+22.6%
3.4%US$45.00US$41.00n/a4
Mar ’23US$35.02
US$43.25
+23.5%
4.1%US$45.00US$41.00n/a4
Feb ’23US$35.35
US$43.25
+22.3%
4.1%US$45.00US$41.00n/a4
Jan ’23US$37.58
US$41.38
+10.1%
2.0%US$42.00US$40.00n/a4
Dec ’22US$36.31
US$41.38
+13.9%
2.0%US$42.00US$40.00n/a4
Nov ’22US$38.37
US$41.38
+7.8%
2.0%US$42.00US$40.00US$36.924
Oct ’22US$35.73
US$39.25
+9.9%
2.1%US$40.00US$38.00US$34.594
Sep ’22US$34.51
US$39.25
+13.7%
2.1%US$40.00US$38.00US$35.074
Aug ’22US$33.45
US$39.25
+17.3%
2.1%US$40.00US$38.00US$37.334
Jul ’22US$34.30
US$42.00
+22.4%
0%US$42.00US$42.00US$36.633
Jun ’22US$38.37
US$42.00
+9.5%
0%US$42.00US$42.00US$36.703
May ’22US$38.90
US$42.00
+8.0%
0%US$42.00US$42.00US$34.403
Apr ’22US$37.59
US$33.61
-10.6%
7.1%US$37.00US$31.82US$35.283
Mar ’22US$31.45
US$31.88
+1.4%
0.3%US$32.00US$31.82US$35.023
Feb ’22US$31.24
US$31.82
+1.9%
0%US$31.82US$31.82US$35.353
Jan ’22US$27.23
US$30.61
+12.4%
2.8%US$31.82US$30.00US$37.583
Dec ’21US$26.75
US$30.00
+12.2%
2.5%US$30.91US$29.09US$36.313
Nov ’21US$26.27
US$29.70
+13.0%
2.9%US$30.91US$29.09US$38.373

Analyst Forecast: Target price is less than 20% higher than the current share price.


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