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Upturn stock ratingUpturn stock rating
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Guaranty Bancshares, Inc. (GNTY)

Upturn stock ratingUpturn stock rating
$46.18
Last Close (24-hour delay)
Profit since last BUY13.35%
upturn advisory
Consider higher Upturn Star rating
BUY since 66 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

08/14/2025: GNTY (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

3 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $52

1 Year Target Price $52

Analysts Price Target For last 52 week
$52 Target price
52w Low $31.22
Current$46.18
52w High $47.2

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

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

ai summary icon Upturn AI SWOT

Guaranty Bancshares, Inc.

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 485

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.