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Upturn AI SWOT - About
GNTY 
Guaranty Bancshares, Inc. (GNTY)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/30/2025: GNTY (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $43
1 Year Target Price $43
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -1.98% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 481.05M USD | Price to earnings Ratio 14.57 | 1Y Target Price 43 |
Price to earnings Ratio 14.57 | 1Y Target Price 43 | ||
Volume (30-day avg) 3 | Beta 0.45 | 52 Weeks Range 28.94 - 43.64 | Updated Date 06/30/2025 |
52 Weeks Range 28.94 - 43.64 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.36% | Basic EPS (TTM) 2.91 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.06% | Operating Margin (TTM) 33.84% |
Management Effectiveness
Return on Assets (TTM) 1.07% | Return on Equity (TTM) 10.59% |
Valuation
Trailing PE 14.57 | Forward PE - | Enterprise Value 365016576 | Price to Sales(TTM) 3.89 |
Enterprise Value 365016576 | Price to Sales(TTM) 3.89 | ||
Enterprise Value to Revenue 4.42 | Enterprise Value to EBITDA - | Shares Outstanding 11345500 | Shares Floating 8420163 |
Shares Outstanding 11345500 | Shares Floating 8420163 | ||
Percent Insiders 22.16 | Percent Institutions 30.6 |
Analyst Ratings
Rating 2 | Target Price 43 | 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 2007. It is a bank holding company for Guaranty Bank & Trust, which provides commercial banking services to small- and medium-sized businesses, professionals, and individuals in Texas.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including term loans, lines of credit, and real estate financing. Also provides deposit accounts and cash management services.
- Retail Banking: Provides deposit accounts, personal loans, mortgage loans, and other financial services to individuals.
- Wealth Management: Offers investment management, financial planning, and trust services.
Leadership and Structure
Ty Abston is the Chairman and CEO. The company has a board of directors and a management team responsible for overseeing the bank's operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a large portion of GBTS product revenue. The market is highly competitive, including national and regional banks like JPMorgan Chase (JPM), Bank of America (BAC), and regional banks like Prosperity Bancshares (PB).
- Deposit Accounts: GBTS Offers checking, savings, and money market accounts for commercial businesses and retail customers. Competitors include Wells Fargo (WFC), Bank of America (BAC), and local credit unions.
- Residential Mortgages: GBTS provides residential mortgages to customers. Competitors include Wells Fargo (WFC), Rocket Mortgage, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, potential economic slowdown, and increased competition from fintech companies.
Positioning
Guaranty Bancshares, Inc. operates as a community bank, focusing on building relationships with local businesses and individuals. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
TAM for US banking is estimated to be in the trillions. Guaranty Bancshares is positioned in the Texas market and is focused on small and mid-sized businesses.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Solid credit quality
- Relationship-focused banking model
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Dependence on Texas economy
- Lower levels of technology investment.
Opportunities
- Expansion into new Texas markets
- Increased digital banking offerings
- Strategic acquisitions
- Growth in wealth management services
Threats
- Rising interest rates
- Economic recession in Texas
- Increased competition from larger banks and fintech companies
- Regulatory changes
Competitors and Market Share
Key Competitors
- HBAN
- BOKF
- FFIN
Competitive Landscape
Guaranty Bancshares competes with larger regional and national banks. Its advantages include local market knowledge and personalized service.
Major Acquisitions
Lone Star Bank
- Year: 2016
- Acquisition Price (USD millions): 16.8
- Strategic Rationale: Expanded the company's presence in the Dallas-Fort Worth market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic loan growth and strategic acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion in Texas markets and increased digital banking adoption.
Recent Initiatives: Recent initiatives include expanding digital banking capabilities and investing in new technologies.
Summary
Guaranty Bancshares is a community-focused bank in Texas that is growing through organic loan growth and strategic acquisitions. Its strengths lie in its strong local presence and experienced management. However, it faces challenges from larger competitors and the cyclical nature of the Texas economy, and must keep up to date with changing technologies to stay competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (assumed)
- FDIC Data
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data needs to be validated using financial databases.
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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