ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Guaranty Bancshares, Inc. (Texas) ?
1
High Profitability with a Net Interest Margin of 4.08%
2
Strong Long Term Fundamental Strength with a 10.14% CAGR growth in Net Profits
3
The company has declared Positive results for the last 3 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 45.67 MM
- NII(Q) Highest at USD 27.66 MM
- ROCE(HY) Highest at 1.16%
4
With ROA of 0.83%, it has a fair valuation with a 1.70 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 43.18%, its profits have risen by 17.8% ; the PEG ratio of the company is 0.9
5
High Institutional Holdings at 31.21%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.6% over the previous quarter.
6
Market Beating Performance
- The stock has generated a return of 43.18% in the last 1 year, much higher than market (S&P 500) returns of 16.64%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Guaranty Bancshares, Inc. (Texas) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Guaranty Bancshares, Inc. (Texas) for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Guaranty Bancshares, Inc. (Texas)
48.0%
2.25
33.06%
S&P 500
13.22%
0.84
19.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.52%
EBIT Growth (5y)
8.52%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
35.01%
Pledged Shares
0
Institutional Holding
31.21%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.70
EV to EBIT
11.50
EV to EBITDA
10.09
EV to Capital Employed
2.25
EV to Sales
2.52
PEG Ratio
0.88
Dividend Yield
2.10%
ROCE (Latest)
19.57%
ROE (Latest)
10.30%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bearish
Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 45.67 MM
NII(Q)
Highest at USD 27.66 MM
ROCE(HY)
Highest at 1.16%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET PROFIT(9M)
Higher at USD 28.66 MM
OPERATING PROFIT(Q)
Highest at USD 12.52 MM
OPERATING PROFIT MARGIN(Q)
Highest at 30.42 %
PRE-TAX PROFIT(Q)
Highest at USD 12.52 MM
EPS(Q)
Highest at USD 0.87
-6What is not working for the Company
ROCE(HY)
Lowest at 1.16%
CREDIT DEPOSIT RATIO(HY)
Lowest at 79.03%
GROSS NPA (%)
(Q
Here's what is working for Guaranty Bancshares, Inc. (Texas)
NII
Highest at USD 27.66 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 45.67 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Profit
At USD 28.66 MM has Grown at 43.29%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Operating Profit
Highest at USD 12.52 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 30.42 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 12.52 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
EPS
Highest at USD 0.87
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Net Profit
Higher at USD 28.66 MM
than preceding 12 month period ended Jun 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
CASA
Highest at 14.62%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Guaranty Bancshares, Inc. (Texas)
Non Performing Loans (%)
Highest at 0.48%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Credit Deposit Ratio
Lowest at 79.03% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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