Guaranty Bancshares, Inc. (GNTY) — Cash Flow Quality Index
Guaranty Bancshares, Inc. (GNTY) has a Cash Flow Quality Index of 0.71x as of June 2025. Operating cash flow of $7.05 Million is below net income of $9.98 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore GNTY operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Guaranty Bancshares, Inc. Cash Flow Quality Index (1997–2024)
Historical Cash Flow Quality Index for Guaranty Bancshares, Inc. across 19 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Guaranty Bancshares, Inc. operating cash flow efficiency.
Annual Cash Flow Quality Index for Guaranty Bancshares, Inc. (1997–2024)
Year-by-year earnings quality comparison for Guaranty Bancshares, Inc..
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.51x | $47.42 Million | $31.49 Million | ▲ +15.3% |
| 2023 | 1.31x | $39.21 Million | $30.01 Million | ▲ +36.0% |
| 2022 | 0.96x | $38.85 Million | $40.42 Million | ▼ -12.2% |
| 2021 | 1.09x | $43.54 Million | $39.81 Million | ▼ -29.5% |
| 2020 | 1.55x | $42.52 Million | $27.40 Million | ▲ +27.2% |
| 2019 | 1.22x | $32.05 Million | $26.28 Million | ▼ -11.0% |
| 2018 | 1.37x | $28.21 Million | $20.60 Million | ▼ -33.3% |
| 2017 | 2.05x | $29.67 Million | $14.44 Million | ▲ +11.1% |
| 2016 | 1.85x | $22.41 Million | $12.12 Million | ▲ +127.6% |
| 2015 | 0.81x | $8.21 Million | $10.11 Million | ▼ -40.6% |
| 2013 | 1.37x | $20.23 Million | $14.78 Million | ▼ -11.9% |
| 2004 | 1.55x | $5.69 Million | $3.66 Million | ▼ -50.6% |
| 2003 | 3.15x | $12.09 Million | $3.84 Million | ▲ +155.0% |
| 2002 | 1.23x | $5.40 Million | $4.38 Million | ▲ +5.5% |
| 2001 | 1.17x | $3.85 Million | $3.29 Million | ▲ +354.5% |
| 2000 | 0.26x | $645.00K | $2.51 Million | ▼ -83.0% |
| 1999 | 1.52x | $4.70 Million | $3.10 Million | ▲ +115.4% |
| 1998 | 0.70x | $1.90 Million | $2.70 Million | ▼ -47.2% |
| 1997 | 1.33x | $3.20 Million | $2.40 Million | — |