GNTY
Guaranty Bancshares, Inc.
Dividend Growth | |
Min. Div. Growth Past 7 Yrs. ≥ 15%: 6.7% | |
Rolling 4-Yrs Div. Growth Past 7 Yrs ≥ 15%: 5.2% | |
Years of Div. Growth ≥ 15: 8 | |
Income Generation | |
Current Yield 2.3% ≥ 20-Yrs Treasury Yield 4.3% | |
Total Dividends ≥ 20-Yrs Treasury Coupons in 5 Yrs | |
Sustainability | |
Debt-To-Equity 0.22 ≤ 0.45 | |
Last 12Months Cash Payout 0.19 ≤ 0.6 | |
Profitability | |
5-Yr Avg. Return-on-Equity 11.6% ≥ 15% | |
Last 12Months Return-on-Equity 10.5% ≥ 15% | |
Last 12Months Net Profit Margin 18.6% ≥ 10% | |
Fair Value | |
Average 5-Yrs High Yield 3.4% | |
Current Price $42.4 ≤ High Yield Price $28.8 | |
Average 5-Yrs Price-to-Earning (P/E) 11.1 | |
Current Price $42.4 ≤ Average P/E Price $32.4 | |
Current Price $42.4 ≤ Fair Value $26.5 |
Company Description
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 and 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, mobile, and telephone banking services; debit cards; letters of credit; and treasury management services, including wire transfer, positive pay, remote deposit capture, and automated clearinghouse services. As of December 31, 2021, it operated 32 full-service banking locations in East Texas, Central Texas, the Dallas/Fort Worth metropolitan statistical area (MSA) and the Houston MSA. The company was founded in 1913 and is headquartered in Addison, Texas.
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