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Guaranty Bancshares, Inc. (GNTY)



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Upturn Advisory Summary
08/14/2025: GNTY (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $52
1 Year Target Price $52
1 | Strong Buy |
0 | Buy |
2 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.26% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 524.04M USD | Price to earnings Ratio 14.66 | 1Y Target Price 52 |
Price to earnings Ratio 14.66 | 1Y Target Price 52 | ||
Volume (30-day avg) 3 | Beta 0.45 | 52 Weeks Range 31.22 - 47.20 | Updated Date 08/15/2025 |
52 Weeks Range 31.22 - 47.20 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.10% | Basic EPS (TTM) 3.15 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.32% | Operating Margin (TTM) 37.68% |
Management Effectiveness
Return on Assets (TTM) 1.16% | Return on Equity (TTM) 11.24% |
Valuation
Trailing PE 14.66 | Forward PE - | Enterprise Value 414913216 | Price to Sales(TTM) 4.12 |
Enterprise Value 414913216 | Price to Sales(TTM) 4.12 | ||
Enterprise Value to Revenue 4.6 | Enterprise Value to EBITDA - | Shares Outstanding 11347700 | Shares Floating 8425642 |
Shares Outstanding 11347700 | Shares Floating 8425642 | ||
Percent Insiders 22.15 | Percent Institutions 32.1 |
Upturn AI SWOT
Guaranty Bancshares, Inc.

Company Overview
History and Background
Guaranty Bancshares, Inc. was founded in 1913. It operates as the bank holding company for Guaranty Bank & Trust, providing commercial banking services in Texas.
Core Business Areas
- Commercial Banking: Offers a variety of commercial lending products, including commercial real estate, construction, and equipment financing.
- Retail Banking: Provides deposit accounts, consumer loans, and other retail banking services to individuals and families.
- Wealth Management: Offers wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
Ty Abston serves as the Chairman and CEO. The organizational structure consists of various departments overseeing lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans constitute a significant portion of Guaranty Bancshares' lending portfolio. Market share data specifically for CRE loans is not publicly available but Guaranty Bancshares is a leading player in the East Texas market. Competitors include other regional banks and national players like Wells Fargo and Bank of America.
- Small Business Loans: Guaranty Bancshares provides SBA and conventional small business loans. Again, specific market share data isn't readily available, however, they maintain a strong position in the Texas small business market. Competitors include PlainsCapital Bank and Independent Bank Group.
- Deposit Accounts: Offering a variety of deposit accounts helps to create a stable funding base and attract new loan customers. Competitors include other community banks and national banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, heightened regulatory scrutiny, and technological disruption. Consolidation is also a continuing trend.
Positioning
Guaranty Bancshares focuses on serving the Texas market, with a strong emphasis on relationship banking and local expertise. Their competitive advantage lies in their knowledge of the local market and commitment to personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Texas is estimated to be in the hundreds of billions of dollars. Guaranty Bancshares has a small share of this total market, but focuses on sustainable growth within their target markets.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Good asset quality
- Relationship-focused banking model
Weaknesses
- Limited geographic diversification
- Smaller size compared to national competitors
- Reliance on net interest income
Opportunities
- Expansion into new Texas markets
- Increased demand for commercial loans
- Growth in wealth management services
- Adoption of new technologies to improve efficiency
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in Texas
- Regulatory changes
Competitors and Market Share
Key Competitors
- IBTX
- CADE
- BANF
- WTBA
Competitive Landscape
Guaranty Bancshares competes with larger regional and national banks, as well as smaller community banks. Its advantages include local market expertise and relationship-focused banking. Disadvantages include smaller size and limited geographic diversification.
Major Acquisitions
LegacyTexas Financial Group
- Year: 2019
- Acquisition Price (USD millions): 417
- Strategic Rationale: Expanded market share in the Dallas-Fort Worth metroplex.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth requires retrieving the data from their financial statements (e.g., 10-K report).
Future Projections: Future Projections requires retrieving the data from their financial statements (e.g., 10-K report).
Recent Initiatives: Recent strategic initiatives have included expanding their presence in high-growth markets in Texas and investing in technology to improve customer service.
Summary
Guaranty Bancshares is a well-managed community bank focused on the Texas market. Its strength lies in its local expertise and relationship banking model. The company needs to diversify geographically and watch out for competition from larger institutions and fintech companies. Maintaining asset quality is key in the current economic environment.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- FDIC Data
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is estimated based on available information and may not be precise. Financial data and analysis are based on publicly available information.
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.

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