Guaranty Bancshares, Inc.
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, construc… Read more
Guaranty Bancshares, Inc. (GNTY) - Net Assets
Latest net assets as of June 2025: $331.81 Million USD
Based on the latest financial reports, Guaranty Bancshares, Inc. (GNTY) has net assets worth $331.81 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.14 Billion) and total liabilities ($2.81 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $331.81 Million |
| % of Total Assets | 10.55% |
| Annual Growth Rate | 11.19% |
| 5-Year Change | 17.57% |
| 10-Year Change | 132.72% |
| Growth Volatility | 34.68 |
Guaranty Bancshares, Inc. - Net Assets Trend (1997–2024)
This chart illustrates how Guaranty Bancshares, Inc.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Guaranty Bancshares, Inc. (1997–2024)
The table below shows the annual net assets of Guaranty Bancshares, Inc. from 1997 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $320.54 Million | +5.50% |
| 2023-12-31 | $303.85 Million | +2.80% |
| 2022-12-31 | $295.56 Million | -2.20% |
| 2021-12-31 | $302.21 Million | +10.85% |
| 2020-12-31 | $272.64 Million | +4.24% |
| 2019-12-31 | $261.55 Million | +6.94% |
| 2018-12-31 | $244.58 Million | +17.96% |
| 2017-12-31 | $207.34 Million | +46.11% |
| 2016-12-31 | $141.91 Million | +3.03% |
| 2015-12-31 | $137.74 Million | +40.99% |
| 2013-12-31 | $97.69 Million | +152.93% |
| 2004-12-31 | $38.62 Million | +5.97% |
| 2003-12-31 | $36.45 Million | +5.21% |
| 2002-12-31 | $34.64 Million | +8.85% |
| 2001-12-31 | $31.83 Million | +8.16% |
| 2000-12-31 | $29.43 Million | +3.25% |
| 1999-12-31 | $28.50 Million | +19.75% |
| 1998-12-31 | $23.80 Million | +30.05% |
| 1997-12-31 | $18.30 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Guaranty Bancshares, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1828.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $177.42 Million | 55.71% |
| Common Stock | $14.34 Million | 4.50% |
| Other Comprehensive Income | $-27.10 Million | -8.51% |
| Other Components | $153.83 Million | 48.30% |
| Total Equity | $318.50 Million | 100.00% |
Guaranty Bancshares, Inc. Competitors by Market Cap
The table below lists competitors of Guaranty Bancshares, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Opera Ltd
NASDAQ:OPRA
|
$410.54 Million |
|
SANLORENZO IN SIGLA SL
F:6SZA
|
$410.54 Million |
|
Penyao Environmental Protection Co Ltd Class A
SHE:300664
|
$410.58 Million |
|
Sinopec Shandong Taishan Petroleum Co Ltd
SHE:000554
|
$410.64 Million |
|
Anbang Save-Guard Group Co.,Ltd.
SHG:603373
|
$410.44 Million |
|
Jiangsu Bioperfectus Technologies Co Ltd
SHG:688399
|
$410.36 Million |
|
Inventronics Hangzhou Inc
SHE:300582
|
$410.33 Million |
|
KOMORI CORP.
F:KOI
|
$410.26 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Guaranty Bancshares, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 303,300,000 to 318,498,000, a change of 15,198,000 (5.0%).
- Net income of 31,537,000 contributed positively to equity growth.
- Dividend payments of 10,904,000 reduced retained earnings.
- Share repurchases of 6,368,000 reduced equity.
- Other comprehensive income decreased equity by 1,776,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $31.54 Million | +9.9% |
| Dividends Paid | $10.90 Million | -3.42% |
| Share Repurchases | $6.37 Million | -2.0% |
| Other Comprehensive Income | $-1.78 Million | -0.56% |
| Other Changes | $2.71 Million | +0.85% |
| Total Change | $- | 5.01% |
Book Value vs Market Value Analysis
This analysis compares Guaranty Bancshares, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.75x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 7.73x to 1.75x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1997-12-31 | $6.31 | $48.75 | x |
| 1998-12-31 | $7.61 | $48.75 | x |
| 1999-12-31 | $8.61 | $48.75 | x |
| 2000-12-31 | $8.53 | $48.75 | x |
| 2001-12-31 | $9.59 | $48.75 | x |
| 2002-12-31 | $10.43 | $48.75 | x |
| 2003-12-31 | $11.20 | $48.75 | x |
| 2004-12-31 | $11.90 | $48.75 | x |
| 2013-12-31 | $12.04 | $48.75 | x |
| 2015-12-31 | $14.23 | $48.75 | x |
| 2016-12-31 | $14.37 | $48.75 | x |
| 2017-12-31 | $18.28 | $48.75 | x |
| 2018-12-31 | $19.08 | $48.75 | x |
| 2019-12-31 | $20.31 | $48.75 | x |
| 2020-12-31 | $22.25 | $48.75 | x |
| 2021-12-31 | $24.75 | $48.75 | x |
| 2022-12-31 | $24.39 | $48.75 | x |
| 2023-12-31 | $26.10 | $48.75 | x |
| 2024-12-31 | $27.80 | $48.75 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Guaranty Bancshares, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.90%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.43%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 9.79x
- Recent ROE (9.90%) is below the historical average (10.67%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1997 | 13.11% | 12.83% | 0.08x | 13.34x | $570.00K |
| 1998 | 11.34% | 12.74% | 0.08x | 11.47x | $320.00K |
| 1999 | 10.88% | 12.41% | 0.07x | 13.00x | $250.00K |
| 2000 | 8.52% | 7.66% | 0.08x | 13.97x | $-434.50K |
| 2001 | 10.34% | 9.12% | 0.08x | 14.47x | $107.30K |
| 2002 | 12.63% | 12.87% | 0.07x | 14.95x | $912.60K |
| 2003 | 10.55% | 11.83% | 0.06x | 14.19x | $199.20K |
| 2004 | 9.48% | 11.51% | 0.06x | 14.03x | $-202.40K |
| 2013 | 17.77% | 36.99% | 0.04x | 12.76x | $7.59 Million |
| 2015 | 7.34% | 15.24% | 0.04x | 12.22x | $-3.66 Million |
| 2016 | 8.54% | 15.78% | 0.04x | 12.88x | $-2.07 Million |
| 2017 | 6.96% | 16.95% | 0.04x | 9.47x | $-6.30 Million |
| 2018 | 8.42% | 20.07% | 0.05x | 9.27x | $-3.86 Million |
| 2019 | 10.05% | 22.24% | 0.05x | 8.87x | $123.90K |
| 2020 | 10.05% | 23.01% | 0.04x | 10.05x | $137.70K |
| 2021 | 13.17% | 31.31% | 0.04x | 10.21x | $9.58 Million |
| 2022 | 13.71% | 27.57% | 0.04x | 11.36x | $10.95 Million |
| 2023 | 9.90% | 17.06% | 0.06x | 10.50x | $-293.00K |
| 2024 | 9.90% | 17.43% | 0.06x | 9.79x | $-312.80K |
Industry Comparison
This section compares Guaranty Bancshares, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $22,823,266,317
- Average return on equity (ROE) among peers: 14.64%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Guaranty Bancshares, Inc. (GNTY) | $331.81 Million | 13.11% | 8.48x | $410.50 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.91 Billion |
| ACNB Corporation (ACNB) | $106.80 Million | 8.72% | 8.79x | $452.68 Million |
| Addiko Bank AG (ADBKF) | $6.08 Billion | 0.58% | 0.00x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $80.78 Million | 3.82% | 9.53x | $79.98 Million |
| Absa Group Limited (AGRPF) | $56.49 Billion | 12.11% | 11.71x | $6.72 Billion |
| AIB Group plc (AIBGY) | $2.74 Billion | 18.02% | 16.84x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $153.61 Billion | 39.08% | 6.47x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $8.37 Billion | 34.92% | 7.81x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $235.94 Million | 14.17% | 11.96x | $248.47 Million |