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Investment Highlights Market Valuation Price Chart Return vs. Risk About GNTY Interactive Breakdown Better Bets vs. GNTY Latest Trefis Analyses Trade Ideas Recent Active Movers More From Trefis Peer Financials Peer Growth & Margins Peer Valuation Peer Returns Peer Analyses FDIC Bank Data Financials Segment Financials Price Behavior Short Interest Earnings Returns History SEC Filings Insider Activity Industry Resource Links External Quote Links

Guaranty Bancshares (GNTY)

Market Price (10/31/2025): $48.74 | Market Cap: $552.9 Mil
Sector: Financials | Industry: Diversified Banks

Guaranty Bancshares (GNTY)

Market Price (10/31/2025): $48.74
Market Cap: $552.9 Mil
Sector: Financials
Industry: Diversified Banks

Investment Highlights Why It Matters Which of these 2 stories sounds closer for this stock?

1. Generates cash flow

The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.

2. Riding a trend

Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.5%, Dividend Yield is 2.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.0%, FCF Yield is 8.1%		  Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.4%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -57%		  
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 36%		  
0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.5%, Dividend Yield is 2.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.0%, FCF Yield is 8.1%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -57%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 36%
3 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.4%

Market Valuation & Key Metrics

GNTYS&P 500
REVENUE GROWTHFAIR
Rev LTM ($ Bil)0.1
Rev Chg Q17.0%6.4%
Rev Chg LTM10.7%5.4%
Rev Chg 3Y Avg0.4%5.3%
PROFITABILITYGOOD
Op Inc LTM ($ Bil)�
CFO LTM ($ Bil)0.0
Net Inc LTM ($ Bil)0.0
CFO/Rev LTM37.1%20.4%
Net Inc Mgn29.3%12.8%
VALUATIONMODERATE
P/S4.53.2
P/CFO12.115.5
P/FCF12.420.6
P/E15.323.6

GNTY Stock

   
   
   
   
   
   
   
Factor Drivers of Stock Movement
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Return vs. Risk

Price Returns Compared

 202020212022202320242025Total [1]
Returns
GNTY Return-6%41%-6%0%6%49%99%
Peers Return-22%32%-13%23%40%35%110%
S&P 500 Return16%27%-19%24%23%16%110%

Monthly Win Rates [3]
GNTY Win Rate42%67%50%50%50%67% 
Peers Win Rate42%58%42%60%65%69% 
S&P 500 Win Rate58%75%42%67%75%67% 

Max Drawdowns [4]
GNTY Max Drawdown-36%0%-8%-34%-17%-6% 
Peers Max Drawdown-52%-2%-26%-11%-4%-13% 
S&P 500 Max Drawdown-31%-1%-25%-1%-2%-15% 

[1] Cumulative total returns since the beginning of 2020
[2] Peers: C, JPM, BAC, WFC, HSBC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 10/30/2025 (YTD)

How Low Can It Go

Unique KeyEventGNTYS&P 500
2022 Inflation Shock2022 Inflation Shock  
2022 Inflation Shock% Loss% Loss-46.4%-25.4%
2022 Inflation Shock% Gain to Breakeven% Gain to Breakeven86.4%34.1%
2022 Inflation ShockTime to BreakevenTime to Breakeven636 days464 days
2020 Covid Pandemic2020 Covid Pandemic  
2020 Covid Pandemic% Loss% Loss-36.8%-33.9%
2020 Covid Pandemic% Gain to Breakeven% Gain to Breakeven58.2%51.3%
2020 Covid PandemicTime to BreakevenTime to Breakeven286 days148 days
2018 Correction2018 Correction  
2018 Correction% Loss% Loss-25.4%-19.8%
2018 Correction% Gain to Breakeven% Gain to Breakeven34.0%24.7%
2018 CorrectionTime to BreakevenTime to Breakeven704 days120 days

Compare to C, JPM, BAC, WFC, HSBC


In The Past

Guaranty Bancshares's stock fell -46.4% during the 2022 Inflation Shock from a high on 1/18/2022. A -46.4% loss requires a 86.4% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth over time.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Guaranty Bancshares (GNTY)

Better Bets than Guaranty Bancshares (GNTY)

 GNTYBetter Performance than GNTY
MetricValueIndustry (Diversified Banks)
Rev Chg LTM10.7%RY (16.4%), CM (13.2%), BCS (12.0%)
Rev Chg 3Y Avg0.4%JPM (13.5%), BAC (5.0%), WFC (2.8%), HSBC (9.4%), RY (9.9%)
CFO/Rev LTM37.1%RY (135.4%), BNS (52.2%), CM (61.6%), NTB (52.9%)
FCF/Rev LTM36.2%RY (131.7%), BNS (51.3%), CM (57.6%), NTB (48.0%)
Total Yield8.5%WFC (9.3%), RY (9.3%), TD (14.9%), BMO (9.8%), BNS (12.1%)
 GNTYBetter Performance than GNTY
MetricValueAll Other Sectors
Rev Chg LTM10.7%NVDA (71.6%), MSFT (15.6%), GOOGL (13.4%), AMZN (10.9%), AVGO (28.0%)
Rev Chg 3Y Avg0.4%NVDA (92.0%), AAPL (1.8%), MSFT (13.2%), GOOGL (11.0%), AMZN (11.3%)
CFO/Rev LTM37.1%NVDA (46.6%), MSFT (50.0%), GOOGL (39.3%), AVGO (42.4%), META (56.8%)
FCF/Rev LTM36.2%NVDA (43.6%), AVGO (41.6%), PLTR (49.7%), APP (53.7%), ANET (50.0%)
Total Yield8.5%XOM (9.7%), BABA (36.3%), TM (2018.7%), CVX (9.6%), MRK (11.3%)
 Best Bets In Financials Sector
 GNTYDBRG OTF MTG NMIH CACC ENVA FNF ACGL APAM FI
What You Pay           
P/E15.339.713.28.47.512.310.213.98.610.510.6
P/EBIT�64.79.06.45.59.97.88.97.66.15.8
What You Get           
Rev Chg Q17.0%-102.4%1,228.5%-0.7%7.2%8.3%16.3%16.8%22.4%4.4%8.0%
Rev Chg LTM10.7%-84.8%89.0%2.2%10.0%12.5%21.1%7.4%23.5%10.0%6.7%
Rev Chg 3Y Avg0.4%125.8%221.9%1.2%10.1%6.9%23.5%-0.7%29.8%0.2%7.5%
FCF/Rev 3Y Avg30.1%101.2%76.2%62.2%58.8%57.1%54.7%50.8%38.4%29.0%20.7%

[1] Choosing top 10 best bets from each sector quarterly is an alpha producing strategy vs sector benchmark
[2] Historical annualized return of 21%, alpha of 9.1%, and sharpe of 0.94

Latest Trefis Analyses

Trade Ideas

Select past ideas related to GNTY. For more, see Trefis Trade Ideas.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield09302025HLNEHamilton LaneDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		-14.4%-14.4%-14.4%
CNS_9302025_Dip_Buyer_ValueBuy09302025CNSCohen & SteersDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin		5.9%5.9%-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper09262025JKHYJack Henry & AssociatesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		0.3%0.3%-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper09192025FDSFactSet Research SystemsMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-7.7%-7.7%-7.7%
IBKR_9052025_Quality_Momentum_RoomToRun_10%09052025IBKRInteractive BrokersQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run		15.0%15.0%0.0%
Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield09302025HLNEHamilton LaneDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		-14.4%-14.4%-14.4%
CNS_9302025_Dip_Buyer_ValueBuy09302025CNSCohen & SteersDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin		5.9%5.9%-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper09262025JKHYJack Henry & AssociatesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		0.3%0.3%-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper09192025FDSFactSet Research SystemsMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-7.7%-7.7%-7.7%
IBKR_9052025_Quality_Momentum_RoomToRun_10%09052025IBKRInteractive BrokersQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run		15.0%15.0%0.0%

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1INBXInhibrx Biosciences176.8%409.8%
2PUMPProPetro71.2%16.2%
3RNAAvidity Biosciences43.5%139.6%
4DYNDyne Therapeutics42.8%-0.0%
5GCIGannett39.3%3.8%
6FORMFormFactor38.3%34.7%
7MBXMBX Biosciences35.1%18.2%
8BBNXBeta Bionics33.8% 
9GHGuardant Health33.3%202.5%
10LUMNLumen Technologies32.7%94.7%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1PMIPicard Medical-75.2%5106.3%
2LRNStride-56.1%-35.8%
3NTLAIntellia Therapeutics-52.6%5.2%
4FMCFMC-48.7%-66.6%
5FIFiserv-47.4%-68.3%
6VRNSVaronis Systems-43.8%-21.2%
7THRYThryv-33.4%-44.8%
8NFENew Fortress Energy-30.5%-91.9%
9AKBAAkebia Therapeutics-29.5%10.5%
10UAMYUnited States Antimony-28.9%371.2%

1 Month Top Gainers

#TickerCompany1M RtnYTD Rtn
1PRAXPraxis Precision Medicines279.1%161.2%
2INBXInhibrx Biosciences131.0%409.8%
3PUMPProPetro99.6%16.2%
4DYNDyne Therapeutics88.4%-0.0%
5VICRVicor85.4%89.2%
6CELCCelcuity74.6%503.2%
7GLUEMonte Rosa Therapeutics73.5%87.5%
8NVTSNavitas Semiconductor72.1%251.8%
9LUMNLumen Technologies70.3%94.7%
10BALYBallys63.4%4.1%

1 Month Top Losers

#TickerCompany1M RtnYTD Rtn
1PMIPicard Medical-62.9%5106.3%
2LRNStride-53.8%-35.8%
3FMCFMC-51.0%-66.6%
4FIFiserv-48.3%-68.3%
5NFENew Fortress Energy-43.6%-91.9%
6VGVenture Global-41.7% 
7OGNOrganon-40.2%-55.0%
8VRNSVaronis Systems-39.5%-21.2%
9ITGRInteger-38.5%-52.2%
10LENZLENZ Therapeutics-37.9%5.5%

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1INBXInhibrx Biosciences176.8%409.8%
2PUMPProPetro71.2%16.2%
3RNAAvidity Biosciences43.5%139.6%
4DYNDyne Therapeutics42.8%-0.0%
5GCIGannett39.3%3.8%
6FORMFormFactor38.3%34.7%
7MBXMBX Biosciences35.1%18.2%
8BBNXBeta Bionics33.8% 
9GHGuardant Health33.3%202.5%
10LUMNLumen Technologies32.7%94.7%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1PMIPicard Medical-75.2%5106.3%
2LRNStride-56.1%-35.8%
3NTLAIntellia Therapeutics-52.6%5.2%
4FMCFMC-48.7%-66.6%
5FIFiserv-47.4%-68.3%
6VRNSVaronis Systems-43.8%-21.2%
7THRYThryv-33.4%-44.8%
8NFENew Fortress Energy-30.5%-91.9%
9AKBAAkebia Therapeutics-29.5%10.5%
10UAMYUnited States Antimony-28.9%371.2%

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons for Guaranty Bancshares

Financials

GNTYCJPMBACWFCHSBCMedian
NameGuaranty.CitigroupJPMorgan.Bank of .Wells Fa.HSBC  
Mkt Price-100.22309.4453.0385.9970.3785.99
Mkt Cap0.6186.0862.9407.2278.0243.4260.7
Rev LTM12383,113175,656103,43581,46270,04682,288
Op Inc LTM-------
FCF LTM45-93,686-148,6154,550-9,143--9,143
FCF 3Y Avg36-65,690-56,10424,36513,467-36
CFO LTM46-87,165-148,6154,550-9,143--9,143
CFO 3Y Avg41-59,182-56,10424,36513,467-41

Growth & Margins

GNTYCJPMBACWFCHSBCMedian
NameGuaranty.CitigroupJPMorgan.Bank of .Wells Fa.HSBC  
Rev Chg LTM10.7%6.3%8.2%5.4%-1.7%6.6%6.4%
Rev Chg 3Y Avg0.4%4.3%13.5%5.0%2.8%9.4%4.7%
Rev Chg Q17.0%8.1%6.7%6.0%-0.6%5.8%6.3%
QoQ Delta Rev Chg LTM4.0%2.0%1.6%1.5%-0.1%1.4%1.6%
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM37.1%-104.9%-84.6%4.4%-11.2%--11.2%
CFO/Rev 3Y Avg33.8%-74.6%-32.5%24.8%16.4%-16.4%
FCF/Rev LTM36.2%-112.7%-84.6%4.4%-11.2%--11.2%
FCF/Rev 3Y Avg30.1%-82.8%-32.5%24.8%16.4%-16.4%

Valuation

GNTYCJPMBACWFCHSBCMedian
NameGuaranty.CitigroupJPMorgan.Bank of .Wells Fa.HSBC  
Mkt Cap0.6186.0862.9407.2278.0243.4260.7
P/S4.52.24.93.93.43.53.7
P/EBIT-------
P/E15.313.115.314.613.513.814.2
P/CFO12.1-2.1-5.889.5-30.4--2.1
Total Yield8.5%7.6%6.6%6.8%9.3%7.3%7.4%
Dividend Yield2.0%0.0%0.0%0.0%1.9%0.0%0.0%
FCF Yield 3Y Avg9.4%-56.0%-7.4%8.7%8.1%-8.1%
D/E0.12.00.60.80.80.40.7
Net D/E-0.6-1.0-0.5-0.8-0.6-0.6-0.6

Returns

GNTYCJPMBACWFCHSBCMedian
NameGuaranty.CitigroupJPMorgan.Bank of .Wells Fa.HSBC  
1M Rtn--1.3%-1.9%2.8%2.6%-0.9%-0.9%
3M Rtn-7.0%5.0%12.8%7.3%15.7%7.3%
6M Rtn-49.2%26.6%33.5%21.1%29.8%29.8%
12M Rtn-60.2%40.8%28.3%34.4%61.3%40.8%
3Y Rtn-145.1%164.7%59.3%102.5%236.3%145.1%
1M Excs Rtn--0.1%-2.1%3.0%4.7%-3.0%-0.1%
3M Excs Rtn--0.2%-1.9%7.4%1.2%6.2%1.2%
6M Excs Rtn-27.5%4.8%11.8%-0.6%8.0%8.0%
12M Excs Rtn-43.8%23.0%10.2%16.8%47.9%23.0%
3Y Excs Rtn-71.2%94.8%-14.6%28.4%162.4%71.2%

Financials

$ Mil | FY: 12/312025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q22023Q12022Q42022Q3
Period End6/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/20233/31/202312/31/20229/30/2022
Filing Date8/6/20255/6/20253/14/202511/6/20248/7/20245/6/20243/14/202411/3/20238/4/20235/5/20233/10/202311/4/2022
Key Financials Quarterly            
Total Revenue323131292828282732293533
Net Income1091077766108811
EPS0.880.760.880.650.650.580.510.540.820.690.670.92
Key Financials TTM            
Total Revenue TTM123118116112111115117124130131131128
Net Income TTM363332272628303237384042
Growth Rates Quarterly            
Total Revenue Growth17.0%9.8%11.8%4.1%-13.0%-4.2%-21.5%-17.8%-1.3%-2.5%11.3%13.6%
Net Income Growth34.5%29.2%70.4%17.5%-22.4%-19.2%-26.7%-42.2%-11.2%-22.9%-12.4%17.8%
Margins Quarterly            
Net Income Margin30.9%27.9%32.2%25.9%26.8%23.7%21.1%22.9%30.1%28.1%22.6%32.7%
Cash & Debt            
Total Cash356417111332292278249236219236248250
Total Debt4242424489121190225255389339276
Net Debt / (Cash)-314-375-69-288-204-157-59-11361539126
Cash Flows Quarterly            
FCF from Operations713111520131-131012116
Cash Flows TTM            
FCF from Operations TTM465947683929391938323935
Returns to Shareholders Quarterly            
Dividends333333333333
Share Repurchases1502401281-01
Return on Invested Capital (ROIC) Quarterly            
ROIC------145.9%41.3%33.8%13.3%17.0%35.9%
Return on Invested Capital (ROIC) TTM            
ROIC TTM------186.6%52.7%32.4%15.3%21.5%34.2%

Price Behavior

GNTY Betas & Captures as of 9/30/2025

 1M2M3M6M1Y3Y
Beta1.411.802.100.600.760.79
Up Beta6.694.093.590.430.580.80
Down Beta4.531.912.680.680.590.65
Up Capture42%142%171%91%135%61%
Bmk +ve Days13233574144420
Stock +ve Days7173063125356
Down Capture-45%29%100%76%96%96%
Bmk -ve Days8192952107330
Stock -ve Days14253463124389

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Returns Analyses

Earnings Returns History

Expand for More

 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/21/2025-0.7%-0.7%1.6%
4/21/20250.9%1.5%8.4%
1/21/20259.7%18.6%17.5%
10/21/2024-6.4%-5.4%4.0%
7/15/2024-1.9%2.9%-7.5%
4/15/2024-0.3%2.3%3.7%
1/16/20244.5%5.4%-10.3%
10/16/2023-1.0%-3.1%2.0%
...
SUMMARY STATS   
# Positive121515
# Negative1188
Median Positive2.0%2.6%3.7%
Median Negative-1.5%-3.2%-6.2%
Max Positive11.8%18.6%17.5%
Max Negative-6.4%-6.5%-12.3%

SEC Filings

Expand for More

Report DateFiling DateFiling
6302025806202510-Q 6/30/2025
3312025506202510-Q 3/31/2025
12312024314202510-K 12/31/2024
93020241106202410-Q 9/30/2024
6302024807202410-Q 6/30/2024
3312024506202410-Q 3/31/2024
12312023314202410-K 12/31/2023
93020231103202310-Q 9/30/2023
6302023804202310-Q 6/30/2023
3312023505202310-Q 3/31/2023
12312022310202310-K 12/31/2022
93020221104202210-Q 9/30/2022
6302022805202210-Q 6/30/2022
3312022509202210-Q 3/31/2022
12312021311202210-K 12/31/2021
93020211105202110-Q 9/30/2021

Insider Activity

Expand for More

 OwnerTitleFiling DateActionPriceSharesTransacted
Value		Value of
Held Shares		Form
0Brown William TravisSEVP - Chief Lending Officer8292025Sell48.5870634,29729,877Form
1Brown William TravisSEVP - Chief Lending Officer2212025Sell41.062118,66454,240Form
2ABSTON TYSON TChairman and CEO11082024Sell34.027,000238,1403,436,020Form

Industry Resources

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