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Upturn AI SWOT - About
GNTY 
Guaranty Bancshares, Inc. (GNTY)
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Upturn Advisory Summary
10/02/2025: 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
Very few follow this stock; limited insights, higher-risk early investing.
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 18.37% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 566.82M USD | Price to earnings Ratio 15.83 | 1Y Target Price 52 |
Price to earnings Ratio 15.83 | 1Y Target Price 52 | ||
Volume (30-day avg) 3 | Beta 0.46 | 52 Weeks Range 30.05 - 51.32 | Updated Date 10/17/2025 |
52 Weeks Range 30.05 - 51.32 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 1.99% | Basic EPS (TTM) 3.08 |
Earnings Date
Report Date 2025-10-20 | When Before Market | Estimate 0.82 | 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 15.83 | Forward PE - | Enterprise Value 444076704 | Price to Sales(TTM) 4.45 |
Enterprise Value 444076704 | Price to Sales(TTM) 4.45 | ||
Enterprise Value to Revenue 4.84 | Enterprise Value to EBITDA - | Shares Outstanding 11347666 | Shares Floating 8420536 |
Shares Outstanding 11347666 | Shares Floating 8420536 | ||
Percent Insiders 22.2 | Percent Institutions 31.27 |
Upturn AI SWOT
Guaranty Bancshares, Inc.
Company Overview
History and Background
Guaranty Bancshares, Inc. was founded in 2007 and is headquartered in Addison, Texas. It operates as the bank holding company for Guaranty Bank & Trust, offering a range of financial services to individuals and businesses. It was formed from the consolidation of multiple existing institutions in Texas.
Core Business Areas
- Commercial Banking: Provides commercial loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers a range of banking services to individuals, including checking and savings accounts, personal loans, and mortgage products.
- Wealth Management: Provides wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
Ty Abston serves as Chairman and CEO. The company has a traditional hierarchical structure with various department heads reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes like working capital, equipment financing, and real estate. Market share data is not publicly available at this granular level. Competitors include larger national and regional banks, as well as other community banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available at this granular level. Competitors include larger national and regional banks, as well as credit unions.
- Mortgage Lending: Residential mortgage loans for homebuyers and refinancers. Market share data is not publicly available at this granular level. Competitors include mortgage companies, larger banks, and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and increasing competition from fintech companies. Economic conditions significantly impact loan demand and credit quality.
Positioning
Guaranty Bancshares, Inc. is positioned as a community bank focused on serving the needs of businesses and individuals in its local markets. Competitive advantages include strong customer relationships and local market expertise.
Total Addressable Market (TAM)
The total addressable market for community banking in Texas is estimated to be in the hundreds of billions of dollars. Guaranty Bancshares, Inc. is positioned to capture a portion of this market through its local presence and customer-focused approach.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Experienced management team
- Solid asset quality
- Strong deposit base
Weaknesses
- Limited geographic diversification
- Smaller size compared to larger banks
- Dependence on local economy
- Lower brand recognition compared to national banks
Opportunities
- Expansion into new markets within Texas
- Increased demand for community banking services
- Acquisition of smaller banks
- Development of new products and services
- Leveraging technology to enhance customer experience
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Increased regulatory scrutiny
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Cullen/Frost Bankers, Inc. (CFR)
- Prosperity Bancshares, Inc. (PB)
- Independent Bank Group, Inc. (IBTX)
Competitive Landscape
Guaranty Bancshares, Inc. faces competition from larger regional and national banks with greater resources and brand recognition. Its competitive advantage lies in its local market expertise and customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Requires access to financial databases to determine historical growth rates.
Future Projections: Analyst estimates are available from financial data providers.
Recent Initiatives: Requires review of company press releases and investor presentations.
Summary
Guaranty Bancshares, Inc. is a community bank with strengths in local markets and customer relationships. It faces challenges from larger competitors and economic uncertainties. The company is well-positioned for growth through expansion and strategic acquisitions. It needs to carefully manage its risks related to interest rates and cybersecurity.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
- Financial Data Providers (e.g., Yahoo Finance, Bloomberg)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on available estimates and may not be precise. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor.
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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