Guaranty Bancshares Inc /Tx/ - Understand $gnty stock

$GNTY Market Cap: $425.2 Million

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Financial Snapshot

Revenue

Gross Margin

Net Earnings

$27.40M

TTM

Current Assets

Current Liabilities

$65.01M

Q3 2024

Current Ratio

Total Assets

$3.097B

Q3 2024

Total Liabilities

$2.778B

Q3 2024

Book Value

$318.8M

Q3 2024

Cash

$162.9M

Q3 2024

P/E

15.52

Nov 29, 2024 EST

Free Cash Flow

$63.50M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue
YoY Change

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2004	2003	2002	2001	2000	1999	1998	1997	1996
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development			$807.0K	$864.0K	$676.0K	$649.0K	$526.0K	$609.0K	$572.0K
YoY Change			-6.6%	27.81%	4.16%	23.38%	-13.63%	6.47%
% of Gross Profit
Depreciation & Amortization	$4.042M	$4.211M	$4.358M	$4.117M	$3.886M	$3.400M	$3.162M	$3.183M	$2.958M	$1.320M	$1.150M	$1.130M	$1.130M	$850.0K	$670.0K	$560.0K	$540.0K	$470.0K
YoY Change	-4.01%	-3.37%	5.85%	5.94%	14.29%	7.53%	-0.66%	7.61%		14.78%	1.77%	0.0%	32.94%	26.87%	19.64%	3.7%	14.89%	9.3%
% of Gross Profit
Operating Expenses			$807.0K	$864.0K	$676.0K	$649.0K	$526.0K	$609.0K	$572.0K
YoY Change			-6.6%	27.81%	4.16%	23.38%	-13.63%	6.47%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Interest Expense	$59.51M	$15.38M	$6.992M	$13.06M	$23.69M	$19.54M	$12.15M	$10.87M	$8.323M
YoY Change	286.94%	119.97%	-46.46%	-44.87%	21.23%	60.81%	11.81%	30.58%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2004	2003	2002	2001	2000	1999	1998	1997	1996
Pretax Income	$37.14M	$49.26M	$48.56M	$33.30M	$32.06M	$25.20M	$22.68M	$16.84M	$14.47M	$5.200M	$5.300M	$5.800M	$4.800M	$3.300M	$3.900M	$3.200M	$2.700M	$3.000M
YoY Change	-24.6%	1.44%	45.83%	3.87%	27.24%	11.1%	34.69%	16.33%	5.64%	-1.89%	-8.62%	20.83%	45.45%	-15.38%	21.88%	18.52%	-10.0%	25.0%
Income Tax	$7.130M	$8.834M	$8.750M	$5.895M	$5.778M	$4.599M	$8.238M	$4.715M	$4.362M	$1.600M	$1.500M	$1.400M	$1.500M	$800.0K	$700.0K	$500.0K	$300.0K	$200.0K
% Of Pretax Income	19.2%	17.93%	18.02%	17.7%	18.02%	18.25%	36.33%	28.01%	30.14%	30.77%	28.3%	24.14%	31.25%	24.24%	17.95%	15.63%	11.11%	6.67%
Net Earnings	$30.04M	$40.45M	$39.81M	$27.40M	$26.28M	$20.60M	$14.44M	$12.12M	$10.11M	$3.700M	$3.800M	$4.400M	$3.300M	$2.500M	$3.100M	$2.700M	$2.400M	$2.900M
YoY Change	-25.74%	1.61%	45.27%	4.27%	27.59%	42.64%	19.12%	19.88%	4.24%	-2.63%	-13.64%	33.33%	32.0%	-19.35%	14.81%	12.5%	-17.24%	38.1%
Net Earnings / Revenue
Basic Earnings Per Share	$2.57	$3.38	$3.30	$2.25	$2.05	$1.78	$1.41	$1.35	$1.15
Diluted Earnings Per Share	$2.56	$3.345M	$3.26	$2.24	$2.05	$1.77	$1.40	$1.35	$1.15	$1.121M	$1.187M	$1.333M	$1.000M	$735.3K	$939.4K	$871.0K	$857.1K	$1.000M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2004	2003	2002	2001	2000	1999	1998	1997	1996
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$57.02M	$54.29M	$67.80M	$68.50M	$65.00M	$52.20M	$43.80M	$44.80M	$44.30M	$13.50M	$13.20M	$13.60M	$13.60M	$13.50M	$11.70M	$7.000M	$6.400M	$5.500M
YoY Change	5.02%	-19.92%	-1.02%	5.38%	24.52%	19.18%	-2.23%	1.13%		2.27%	-2.94%	0.0%	0.74%	15.38%	67.14%	9.38%	16.36%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$10.74M					$3.200M	$2.500M	$4.900M	$3.500M
YoY Change						28.0%	-48.98%	40.0%
Total Long-Term Assets
YoY Change
Total Assets	$3.185B	$3.351B	$3.086B	$2.741B	$2.318B	$2.267B	$1.963B	$1.828B	$1.683B	$542.0M	$517.1M	$518.0M	$460.5M	$411.0M	$370.4M	$272.9M	$244.2M	$213.9M
YoY Change
Accounts Payable	$32.24M	$28.41M	$11.70M	$11.70M	$11.40M	$10.70M	$7.100M	$6.000M	$5.100M
YoY Change	13.49%	142.81%	0.0%	2.63%	6.54%	50.7%	18.33%	17.65%
Accrued Expenses	$13.13M	$13.52M	$14.90M	$13.50M	$11.70M
YoY Change	-2.9%	-9.26%	10.37%	15.38%
Deferred Revenue
YoY Change
Short-Term Debt	$25.17M	$7.221M	$14.20M	$15.60M	$11.10M	$12.20M	$12.90M	$10.90M	$13.00M	$0.00	$7.300M	$0.00
YoY Change	248.59%	-49.15%	-8.97%	40.54%	-9.02%	-5.43%	18.35%	-16.15%		-100.0%
Long-Term Debt Due		$3.500M	$2.000M	$0.00	$500.0K	$2.000M	$1.000M	$11.40M
YoY Change		75.0%		-100.0%	-75.0%	100.0%	-91.23%
Total Short-Term Liabilities	$57.41M	$28.41M	$28.60M	$25.20M	$23.60M	$12.70M	$8.100M	$17.40M	$5.100M		$7.300M
YoY Change	102.1%	-0.67%	13.49%	6.78%	85.83%	56.79%	-53.45%	241.18%
Long-Term Debt	$50.29M	$49.15M	$22.80M	$31.80M	$10.30M	$10.80M	$12.80M	$26.20M	$39.30M	$0.00	$10.00M	$10.00M	$7.000M	$7.000M	$0.00	$0.00	$0.00	$0.00
YoY Change	2.3%	115.58%	-28.3%	208.74%	-4.63%	-15.63%	-51.15%	-33.33%		-100.0%	0.0%	42.86%	0.0%
Other Long-Term Liabilities							$0.00	$31.70M	$35.40M	$4.700M	$5.100M	$5.600M	$5.300M	$3.900M	$2.600M	$2.800M	$2.900M	$2.800M
YoY Change							-100.0%	-10.45%		-7.84%	-8.93%	5.66%	35.9%	50.0%	-7.14%	-3.45%	3.57%
Total Long-Term Liabilities	$50.29M	$49.15M	$22.80M	$31.80M	$10.30M	$10.80M	$12.80M	$57.90M	$74.70M	$4.700M	$15.10M	$15.60M	$12.30M	$10.90M	$2.600M	$2.800M	$2.900M	$2.800M
YoY Change	2.3%	115.58%	-28.3%	208.74%	-4.63%	-15.63%	-77.89%	-22.49%		-68.87%	-3.21%	26.83%	12.84%	319.23%	-7.14%	-3.45%	3.57%
Total Liabilities	$2.881B	$3.057B	$2.784B	$2.468B	$2.057B	$2.022B	$1.755B	$1.718B	$1.580B	$503.3M	$480.6M	$483.3M	$428.7M	$381.6M	$341.9M	$249.1M	$225.9M	$197.7M
YoY Change	-5.73%	9.79%	12.79%	20.0%	1.71%	15.22%	2.17%	8.72%		4.72%	-0.56%	12.74%	12.34%	11.61%	37.25%	10.27%	14.26%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Basic Shares Outstanding	11.69M	11.98M	12.07M	12.22M	12.80M	11.56M	10.23M	8.968M shares	8.796M shares
Diluted Shares Outstanding	11.74M	12.09M	12.21M	12.26M	12.88M	11.65M	10.31M	8.976M shares	8.802M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $425.21 Million

About GUARANTY BANCSHARES INC /TX/

Guaranty Bancshares, Inc. is a bank holding company, which engages in the provision of financial products and services. The company is headquartered in Mount Pleasant, Texas and currently employs 488 full-time employees. The company went IPO on 2017-05-09. (the Bank). The Bank provides a range of relationship-driven commercial and consumer banking, as well as trust and wealth management products and services that are tailored to meet the needs of small- and medium-sized businesses, professionals and individuals. Its lending activities provide a range of loans, including commercial lines of credit, working capital loans, commercial real estate-backed loans, term loans, equipment financing, acquisition, expansion and development loans, borrowing base loans, real estate construction loans, homebuilder loans, letters of credit and other loan products. The company also offers various consumer loans to individuals and professionals, including residential real estate loans, home equity loans, installment loans, unsecured and secured personal lines of credit, and standby letters of credit. The Bank operates 33 full-service banking locations.

Industry: National Commercial Banks Peers: BAR HARBOR BANKSHARES CapStar Financial Holdings, Inc. Carter Bankshares, Inc. SMARTFINANCIAL INC. INDEPENDENT BANK CORP /MI/ MidWestOne Financial Group, Inc. PNC FINANCIAL SERVICES GROUP, INC.