Guaranty Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
Guaranty Bancshares has total assets of $3.1B and total equity of $319.3M. Total deposits are $2.7B, and total loans are $2.1B. It earns a Net Interest Margin of 3.2%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $162.9M.
Key information
9.7x
Asset to equity ratio
3.2%
Net interest margin
Total deposits | US$2.67b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.2% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$162.95m |
Recent financial health updates
No updates
Recent updates
Guaranty Bancshares (NYSE:GNTY) Will Pay A Dividend Of $0.24
Jun 19Guaranty Bancshares' (NYSE:GNTY) Upcoming Dividend Will Be Larger Than Last Year's
Mar 17The Guaranty Bancshares, Inc. (NYSE:GNTY) Annual Results Are Out And Analysts Have Published New Forecasts
Jan 19Guaranty Bancshares Q2 2023 Review: Dividends, Valuation, And Risks
Jul 18Guaranty Bancshares Non-GAAP EPS of $1.16 beats by $0.28, revenue of $34.1M beats by $0.06M
Oct 17Guaranty Bancshares declares $0.22 dividend
Sep 21Guaranty Bancshares Non-GAAP EPS of $1.07 beats by $0.30, revenue of $32.93M beats by $1.22M
Jul 18Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: GNTY's Assets to Equity ratio (9.7x) is low.
Allowance for Bad Loans: GNTY has a sufficient allowance for bad loans (560%).
Low Risk Liabilities: 96% of GNTY's liabilities are made up of primarily low risk sources of funding.
Loan Level: GNTY has an appropriate level of Loans to Assets ratio (68%).
Low Risk Deposits: GNTY's Loans to Deposits ratio (79%) is appropriate.
Level of Bad Loans: GNTY has an appropriate level of bad loans (0.2%).
Discover healthy companies
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
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Company Analysis | 2024/12/22 06:17 |
End of Day Share Price | 2024/12/20 00:00 |
Earnings | 2024/09/30 |
Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
Package | Data | Timeframe | Example US Source * |
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Company Financials | 10 years |
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Analyst Consensus Estimates | +3 years |
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Market Prices | 30 years |
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Ownership | 10 years |
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Management | 10 years |
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Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Guaranty Bancshares, Inc. is covered by 6 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
Analyst | Institution |
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Christopher McGratty | Keefe, Bruyette, & Woods |
Wood Lay | Keefe, Bruyette, & Woods |
Stephen Scouten | Piper Sandler Companies |