Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
GNTY 
Guaranty Bancshares, Inc. (GNTY)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: GNTY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -10.54% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 454.22M USD | Price to earnings Ratio 14.54 | 1Y Target Price 42 |
Price to earnings Ratio 14.54 | 1Y Target Price 42 | ||
Volume (30-day avg) 30678 | Beta 0.61 | 52 Weeks Range 26.25 - 42.68 | Updated Date 04/2/2025 |
52 Weeks Range 26.25 - 42.68 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 2.51% | Basic EPS (TTM) 2.74 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.1% | Operating Margin (TTM) 38.26% |
Management Effectiveness
Return on Assets (TTM) 1% | Return on Equity (TTM) 10.11% |
Valuation
Trailing PE 14.54 | Forward PE - | Enterprise Value 394122240 | Price to Sales(TTM) 3.76 |
Enterprise Value 394122240 | Price to Sales(TTM) 3.76 | ||
Enterprise Value to Revenue 4.31 | Enterprise Value to EBITDA - | Shares Outstanding 11398200 | Shares Floating 8539170 |
Shares Outstanding 11398200 | Shares Floating 8539170 | ||
Percent Insiders 24.94 | Percent Institutions 29.43 |
Analyst Ratings
Rating 3.67 | Target Price 40 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Guaranty Bancshares, Inc.
Company Overview
History and Background
Guaranty Bancshares, Inc. was founded in 2005 and is headquartered in Addison, Texas. It operates as the bank holding company for Guaranty Bank & Trust, which provides a range of commercial and retail banking services primarily in Texas. Over time, the company has expanded its services and geographic presence through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a variety of lending and deposit products and services to businesses, including commercial real estate loans, commercial and industrial loans, and treasury management services.
- Retail Banking: Provides deposit accounts, consumer loans, and other banking services to individuals and families.
- Wealth Management: Provides wealth management services to individuals and families.
Leadership and Structure
Ty Abston serves as the Chairman and CEO. The company has a board of directors and a management team responsible for overseeing the bank's operations and strategic direction.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Guaranty Bancshares provides commercial real estate loans to finance the acquisition, development, and construction of commercial properties. Market share data is not publicly available. Competitors include other regional and national banks such as Comerica and Frost Bank.
- Commercial and Industrial Loans: The company offers commercial and industrial loans to businesses for working capital, equipment financing, and other business purposes. Market share data is not publicly available. Competitors include other regional and national banks such as Texas Capital Bank and PlainsCapital Bank.
- Deposit Accounts: Guaranty Bancshares offers a variety of deposit accounts, including checking, savings, and money market accounts, to both individuals and businesses. Market share data is not publicly available. Competitors include other regional and national banks such as Bank of America and JPMorgan Chase.
Market Dynamics
Industry Overview
The banking industry is undergoing significant changes, including increasing competition from fintech companies, rising interest rates, and evolving regulatory requirements.
Positioning
Guaranty Bancshares is a regional bank focused on serving the needs of businesses and individuals in Texas. Its competitive advantages include its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The Texas banking market is estimated to be worth billions of dollars. Guaranty Bancshares is positioned to capture a share of this market by focusing on relationship-based banking and providing tailored financial solutions.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Solid asset quality
- Texas market focus
Weaknesses
- Limited geographic diversification
- Smaller size compared to national banks
- Reliance on Texas economy
- Technology investments needed
Opportunities
- Expanding into new markets in Texas
- Increasing market share through strategic acquisitions
- Developing new products and services
- Leveraging technology to improve efficiency
Threats
- Increasing competition from other banks and fintech companies
- Rising interest rates
- Economic downturn in Texas
- Regulatory changes
Competitors and Market Share
Key Competitors
- BOKF
- TCBI
- FRO
Competitive Landscape
Guaranty Bancshares' advantages lie in its regional focus and customer service, but it faces competition from larger national banks with greater resources.
Major Acquisitions
Community National Bank
- Year: 2019
- Acquisition Price (USD millions): 80
- Strategic Rationale: Expanded Guaranty Bank's presence in the Texoma region.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is generally tied to the Texas economy and regional expansion efforts.
Future Projections: Future growth projections rely heavily on analyst estimates, which are constantly updated. Cannot be accurately created due to data cut-off and to keep the result concise.
Recent Initiatives: Recent initiatives generally include branch expansion, technology upgrades, and customer acquisition programs.
Summary
Guaranty Bancshares is a regional bank with a strong presence in Texas. Its strengths include its customer relationships and experienced management, but it faces challenges from larger competitors and the evolving banking landscape. The company is strategically positioned to grow within its target market, but economic conditions in Texas could impact its performance. Careful monitoring of competition and economic indicators is essential.
Similar Companies
BOKF
BOK Financial Corporation
BOKF
BOK Financial Corporation
FRO
Frontline Ltd
FRO
Frontline Ltd
HBAN
Huntington Bancshares Incorporated
HBAN
Huntington Bancshares Incorporated
TCBI
Texas Capital Bancshares Inc
TCBI
Texas Capital Bancshares Inc
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share percentages are based on estimations and available reports and are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Guaranty Bancshares, Inc.
Exchange NYSE | Headquaters Addison, TX, United States | ||
IPO Launch date 2017-05-09 | Chairman & CEO Mr. Tyson Todd Abston | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 485 | Website https://www.gnty.com |
Full time employees 485 | Website https://www.gnty.com | ||
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 businesses, professionals, and individuals. The company offers checking and savings, money market, and business accounts, as well as certificates of deposit; and commercial and industrial, construction and development, 1-4 family residential, commercial real estate, farmland, agricultural, multi-family residential, and consumer loans. It also provides trustee, custodial and escrow, investment management, retirement plan, ATM, night depository, direct deposit, and cashier's check services, as well as online and mobile banking services; debit cards; letters of credit; and treasury management services, including wire transfer, positive pay, remote deposit capture, and automated clearinghouse services. In addition, the company offers trust and wealth management products and services. Guaranty Bancshares, Inc. was founded in 1913 and is headquartered in Addison, Texas.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.