Guaranty Bancshares, Inc. (GNTY) — Defensive Interval Ratio
Guaranty Bancshares, Inc. (GNTY) has a Defensive Interval Ratio of 51 days as of June 2025. Defensive assets of $379.49 Million (cash $-, short-term investments $367.93 Million, receivables $11.56 Million) cover 51 days of daily cash needs of $7.50 Million/day. See Guaranty Bancshares, Inc. (GNTY) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Guaranty Bancshares, Inc. Defensive Interval Ratio (1997–2024)
This chart shows how Guaranty Bancshares, Inc.'s Defensive Interval Ratio has evolved across 19 annual periods from 1997 to 2024. As of June 2025, the ratio stands at 51 days, meaning defensive assets of $379.49 Million can fund 51 days of operations without new revenue. See how leveraged is Guaranty Bancshares, Inc.'s balance sheet to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Guaranty Bancshares, Inc. (1997–2024)
The table below presents the year-by-year Defensive Interval Ratio for Guaranty Bancshares, Inc. from 1997 to 2024, covering 19 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see Guaranty Bancshares, Inc. market capitalisation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 10 days | $71.58 Million | $7.46 Million/day | $- | $59.57 Million | ▼ -19 days |
| 2023 | 29 days | $209.34 Million | $7.30 Million/day | $- | $196.19 Million | ▲ +2 days |
| 2022 | 27 days | $200.48 Million | $7.44 Million/day | $- | $188.93 Million | ▼ -20 days |
| 2021 | 47 days | $351.11 Million | $7.44 Million/day | $- | $342.21 Million | ▼ -14 days |
| 2020 | 61 days | $390.63 Million | $6.41 Million/day | $- | $380.80 Million | ▲ +20 days |
| 2019 | 41 days | $221.87 Million | $5.45 Million/day | $- | $212.72 Million | ▼ -6 days |
| 2018 | 47 days | $242.27 Million | $5.19 Million/day | $- | $232.97 Million | ▼ -5 days |
| 2017 | 52 days | $240.55 Million | $4.65 Million/day | $- | $232.37 Million | ▲ +14 days |
| 2016 | 38 days | $164.34 Million | $4.37 Million/day | $- | $156.93 Million | ▼ -19952 days |
| 2015 | 19990 days | $278.88 Million | $13.95K/day | $- | $272.94 Million | ▲ +19989 days |
| 2013 | 1 days | $4.17 Million | $2.81 Million/day | $- | $- | ▼ -7 days |
| 2004 | 9 days | $11.87 Million | $1.35 Million/day | $- | $9.07 Million | ▲ +7 days |
| 2003 | 2 days | $2.64 Million | $1.17 Million/day | $- | $- | ▼ -1 days |
| 2002 | 3 days | $4.53 Million | $1.30 Million/day | $- | $1.53 Million | ▲ +1 days |
| 2001 | 3 days | $3.17 Million | $1.16 Million/day | $- | $- | ▼ -1 days |
| 2000 | 4 days | $3.64 Million | $1.03 Million/day | $- | $-103.00K | ▲ +1 days |
| 1999 | 3 days | $2.70 Million | $936.71K/day | $- | $- | ▼ -1 days |
| 1998 | 3 days | $2.30 Million | $671.78K/day | $- | $- | ▼ 0 days |
| 1997 | 4 days | $2.20 Million | $618.90K/day | $- | $- | — |