Guaranty Bancshares, Inc. (GNTY) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Guaranty Bancshares, Inc. (GNTY) trades at $48.75 with AI Score 50/100 (Grade B). Guaranty Bancshares, Inc. is a bank holding company operating through its subsidiary, Guaranty Bank & Trust, N. A. Market cap: $553M, Sector: Financial services.
Price as of Jul 23, 2026 · Last analyzed: May 6, 2026Analyst Coverage for GNTY: GNTY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates GNTY against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
GNTY: the 3 scored disciplines are evenly split. Dominant signal: Ken Griffin bearish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Guaranty Bancshares, Inc. (GNTY) Financial Services Profile
Guaranty Bancshares, Inc., operating as Guaranty Bank & Trust, N.A., delivers commercial and consumer banking services across Texas. With a focus on small- and medium-sized businesses, the company distinguishes itself through its regional presence and tailored financial solutions, navigating a competitive landscape of both national and community banks.
What Is the Investment Thesis for GNTY?
Guaranty Bancshares, Inc. presents a compelling investment case centered on its established regional presence and diversified banking services. With a current market capitalization of $553M and a P/E ratio of 19.3, the company demonstrates solid financial performance. A dividend yield of 5.23% offers an attractive income stream for investors. Growth catalysts include strategic expansion within Texas and enhanced digital banking offerings. However, potential risks include sensitivity to interest rate fluctuations and competition from larger national banks. Maintaining asset quality and managing credit risk are crucial for sustained profitability. The company's ability to leverage its regional expertise and adapt to evolving customer preferences will be key to long-term value creation.
Based on FMP financials and quantitative analysis
GNTY Key Highlights
- Market capitalization of $553M indicates a substantial regional presence.
- P/E ratio of 19.3 reflects investor confidence in earnings potential.
- Profit margin of 20.9% demonstrates efficient operations and profitability.
- Gross margin of 69.8% highlights the value derived from banking services.
- Dividend yield of 5.23% provides an attractive income stream for investors.
Who Are GNTY's Competitors?
GNTY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HBAN Huntington Bancshares Incorporated | $17.40 | -4.76% | $35.3B | 77 |
| CMA Comerica Incorporated | $88.67 | -4.51% | $11.4B | 48 |
| FHN First Horizon Corporation | $25.52 | -0.78% | $12.1B | 88 |
| GCBC Greene County Bancorp, Inc. | $32.67 | +0.23% | $556M | 91 |
| HBCP Home Bancorp, Inc. | $69.26 | -0.03% | $543M | 92 |
| NRIM Northrim BanCorp, Inc. | $27.15 | -1.45% | $604M | 95 |
| OBT Orange County Bancorp, Inc. | $37.24 | +0.13% | $499M | 92 |
| PDLB Ponce Financial Group, Inc. | $19.91 | -0.50% | $482M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are GNTY's Key Strengths?
- Strong regional presence in Texas
- Diversified loan portfolio
- Experienced management team
- High dividend yield
What Are GNTY's Weaknesses?
- Limited geographic diversification
- Reliance on traditional banking services
- Smaller scale compared to national banks
- Sensitivity to interest rate fluctuations
What Could Drive GNTY Stock Higher?
- Potential interest rate hikes by the Federal Reserve could increase net interest margin.
- Continued economic growth in Texas driving loan demand.
- Expansion of digital banking services attracting new customers.
- Strategic acquisitions of smaller banks expanding market share.
What Are the Key Risks for GNTY?
- Financial-distress signal — its Altman Z-Score of -0.58 sits in the distress zone (elevated bankruptcy risk).
- Economic slowdown in Texas impacting loan performance.
- Increased competition from larger national banks and fintech companies.
- Regulatory changes impacting capital requirements and compliance costs.
- Cybersecurity threats compromising customer data and financial assets.
What Are the Growth Opportunities for GNTY?
- Expansion within Texas: Guaranty Bancshares can capitalize on the robust economic growth in Texas by expanding its branch network and service offerings in high-growth areas. The Texas economy is projected to grow at an average annual rate of 3% over the next five years, creating significant opportunities for loan growth and deposit mobilization. By focusing on specific sectors such as technology, healthcare, and energy, Guaranty Bancshares can tailor its services to meet the unique needs of these industries.
- Enhanced Digital Banking: Investing in digital banking platforms and mobile applications can attract and retain tech-savvy customers. The digital banking market is expected to reach $1.2 trillion by 2030, driven by increasing adoption of smartphones and online banking services. By offering a seamless and user-friendly digital experience, Guaranty Bancshares can enhance customer satisfaction, reduce operational costs, and expand its geographic reach beyond its physical branch network.
- Strategic Acquisitions: Pursuing strategic acquisitions of smaller community banks can accelerate growth and expand market share. The community banking sector is highly fragmented, with numerous small banks operating in niche markets. By acquiring these banks, Guaranty Bancshares can gain access to new customers, markets, and product lines, while also achieving economies of scale and cost synergies. Careful due diligence and integration are essential for successful acquisitions.
- Wealth Management Services: Expanding wealth management services can generate fee income and diversify revenue streams. The wealth management market is growing rapidly, driven by increasing affluence and demand for financial planning services. By offering a comprehensive suite of wealth management products, including investment management, retirement planning, and estate planning, Guaranty Bancshares can attract high-net-worth individuals and families, generating recurring fee income and enhancing customer loyalty.
- Commercial Lending Growth: Focusing on commercial lending to small- and medium-sized businesses (SMBs) can drive loan growth and increase profitability. SMBs are a vital part of the Texas economy, and they often require financing to support their growth and expansion. By offering tailored commercial loan products and services, Guaranty Bancshares can build strong relationships with SMBs, generate attractive loan yields, and contribute to the economic development of the communities it serves.
What Opportunities Does GNTY Have?
- Expansion into new markets within Texas
- Investment in digital banking technologies
- Strategic acquisitions of smaller banks
- Growth in wealth management services
What Threats Does GNTY Face?
- Increased competition from national banks and fintech companies
- Economic downturn in Texas
- Regulatory changes
- Cybersecurity risks
What Are GNTY's Competitive Advantages?
- Strong regional presence in Texas.
- Long-standing relationships with local businesses and communities.
- Experienced management team with deep industry knowledge.
- Commitment to providing personalized customer service.
What Does GNTY Do?
Founded in 1913 and headquartered in Addison, Texas, Guaranty Bancshares, Inc. has evolved into a prominent regional bank holding company. Through its subsidiary, Guaranty Bank & Trust, N.A., the company provides a comprehensive suite of banking products and services tailored to small- and medium-sized businesses, professionals, and individuals. These offerings include a variety of deposit accounts such as checking, savings, money market, and certificates of deposit, alongside a diverse lending portfolio encompassing commercial and industrial, construction and development, residential, commercial real estate, farmland and agricultural, and consumer loans. Guaranty Bank & Trust, N.A. also delivers an array of services including trustee, custodial and escrow, investment management, and retirement plan administration. The company enhances customer convenience through ATM access, night depository, direct deposit, cashier's checks, and robust online, mobile, and telephone banking platforms. Additional services include debit cards, letters of credit, and treasury management solutions such as wire transfer, positive pay, remote deposit capture, and automated clearinghouse services. As of December 31, 2021, Guaranty Bancshares operated 32 full-service banking locations strategically positioned across East Texas, Central Texas, the Dallas/Fort Worth metropolitan statistical area (MSA), and the Houston MSA, reflecting its commitment to serving the financial needs of these communities.
What Products and Services Does GNTY Offer?
- Offers checking and savings accounts to individuals and businesses.
- Provides commercial and industrial loans to small- and medium-sized businesses.
- Offers construction and development loans for real estate projects.
- Provides 1-4 family residential mortgage loans.
- Offers commercial real estate loans for various property types.
- Provides farmland and agricultural loans to farmers and ranchers.
- Offers multi-family residential loans for apartment complexes.
- Provides consumer loans for personal expenses.
How Does GNTY Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk through careful underwriting and loan monitoring.
- Expands its customer base through marketing and community outreach.
What Industry Does GNTY Operate In?
Guaranty Bancshares operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is influenced by macroeconomic factors such as interest rates, economic growth, and regulatory changes. Regional banks like Guaranty Bancshares differentiate themselves through local market knowledge, personalized service, and community involvement. The rise of fintech companies and digital banking platforms is reshaping the competitive landscape, requiring banks to invest in technology and innovation to remain competitive.
Who Are GNTY's Key Customers?
- Small- and medium-sized businesses in Texas.
- Professionals such as doctors, lawyers, and accountants.
- Individuals seeking personal banking services.
- Farmers and ranchers in rural communities.
Guaranty Bancshares, Inc. (GNTY) Valuation Context
Valued at $553M, GNTY is classified as a small-cap stock. Relative to its peer group, GNTY's quantitative score of 50/100 is below the peer average of 79/100.
ROE 9%Key Financial Metrics
Return on equity for Guaranty Bancshares, Inc. stands at 8.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. GNTY trades at a trailing price-to-earnings ratio of 19.29, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 5.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.15 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 5.2%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 9/9Financial Health
Guaranty Bancshares, Inc.'s Piotroski F-Score is 9/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.58 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Guaranty Bancshares, Inc. revenue of about $138.0M for fiscal 2026, with EPS near $3.32.
GNTY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company’s future, indicating that leadership believes in the growth potential.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong local presence and customer loyalty.
- Analysts have noted the bank's solid loan growth, which is often a key indicator of financial health and future profitability.
- Increased focus on digital banking services is resonating well with younger customers, enhancing market reach.
Bear Case
- Concerns about rising interest rates could pressure net interest margins, leading to potential profitability challenges.
- Recent discussions in the community reflect worries about economic uncertainty, which may impact consumer spending and loan demand.
- Some investors are cautious about the bank's exposure to regional economic downturns, which could affect performance.
- Negative sentiment around regulatory changes in the banking sector has surfaced, creating apprehension among market participants.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · February 2026
GNTY Latest News
No recent news available for GNTY.
GNTY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for GNTY.
Price Targets
Wall Street price target analysis for GNTY.
GNTY MoonshotScore
What does this score mean?
The MoonshotScore rates GNTY 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Tyson Todd Abston
President and Chief Executive Officer
Tyson Todd Abston serves as the President and Chief Executive Officer of Guaranty Bancshares, Inc. His career in the banking industry spans over two decades, with a focus on commercial lending and strategic management. He holds a Bachelor's degree in Finance from Texas A&M University and has completed executive education programs at leading business schools. Abston's expertise lies in driving growth, enhancing operational efficiency, and fostering a customer-centric culture.
Track Record: Under Tyson Todd Abston's leadership, Guaranty Bancshares has achieved significant milestones, including expansion into new markets, improved asset quality, and increased profitability. He has spearheaded initiatives to enhance digital banking capabilities and strengthen relationships with key stakeholders. His strategic vision and execution have contributed to the company's sustained success and shareholder value creation.
GNTY Financial Services Stock FAQ
What does the AI Score mean for GNTY?
GNTY holds an AI Score of 50/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Guaranty Bancshares, Inc. is a bank holding company operating through its subsidiary, Guaranty Bank & Trust, N.A. The company provides commercial and consumer banking services across Texas …
What does Guaranty Bancshares, Inc. do?
Guaranty Bancshares, Inc. operates as the bank holding company for Guaranty Bank & Trust, N.A., providing a range of commercial and consumer banking products and services. These include checking and savings accounts, various loan types (commercial, residential, agricultural), and services like trust, investment management, and online banking. The bank focuses on serving small- and medium-sized businesses, professionals, and individuals across its 32 locations in Texas.
What do analysts say about GNTY stock?
Analyst coverage of Guaranty Bancshares, Inc. (GNTY) typically focuses on its regional banking performance, asset quality, and growth prospects within the Texas market. Key valuation metrics often include price-to-earnings ratio, price-to-book ratio, and dividend yield, compared against its peer group. Growth considerations involve the bank's ability to expand its loan portfolio, manage interest rate risk, and maintain a strong capital base. Analyst ratings and price targets reflect these factors.
What are the main risks for GNTY?
Guaranty Bancshares, Inc. faces several risks, including credit risk associated with its loan portfolio, interest rate risk stemming from fluctuations in market rates, and operational risks related to cybersecurity and regulatory compliance. Competition from larger national banks and fintech companies also poses a threat. A significant economic downturn in Texas could negatively impact loan demand and asset quality, affecting the company's financial performance.
How sensitive is GNTY to interest rate changes?
Guaranty Bancshares, Inc.'s profitability is sensitive to interest rate changes. As a bank, its net interest margin (NIM), the difference between interest income and interest expense, is a key driver of earnings. Rising interest rates can increase NIM if loan yields increase faster than deposit costs.
What is Guaranty Bancshares, Inc.'s credit quality and risk management approach?
Guaranty Bancshares, Inc.'s credit quality is a critical factor in assessing its financial health. Investors should examine the bank's loan portfolio composition, non-performing loan ratio, and allowance for loan losses. A strong risk management approach involves rigorous underwriting standards, proactive loan monitoring, and diversification of the loan portfolio. Analyzing these factors provides insights into the bank's ability to manage credit risk and maintain asset quality.
What are the key factors to evaluate for GNTY?
Guaranty Bancshares, Inc. (GNTY) holds an AI score of 50/100 (moderate). P/E: 19.3x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does GNTY data refresh on this page?
GNTY's price was last updated on Jul 23, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven GNTY's recent stock price performance?
Guaranty Bancshares, Inc. (GNTY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in Texas. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2021 and 2026-05-06.
- Future performance is subject to market conditions and company-specific factors.