GUARANTY BANCSHARES INC /TX/
GNTYFinancials · National Commercial Banks · TX · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $31.5M | $30.0M | $40.4M | $39.8M | $27.4M | $26.3M |
| Total assets | $3.12B | $3.18B | $3.35B | $3.09B | $2.74B | $2.32B |
| Total liabilities | $2.80B | $2.88B | $3.06B | $2.78B | $2.47B | $2.06B |
| Equity | $318.5M | $303.3M | $295.0M | $302.2M | $272.6M | $261.6M |
| EPS (diluted) | $2.74 | $2.56 | $3.34 | $3.26 | $2.46 | $2.25 |
| Shares out. | 11.5M | 11.9M | 12.1M | 12.1M | 11.3M | 11.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2024- Operating margin
- —
- Net margin
- —
- Return on equity
- 9.9%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.8%
- Debt / equity
- 8.78×
- Book value / share
- $27.61
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 5.0%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2024- Accruals / assets
- −0.5%clean
- Piotroski F-Score
- 6/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 11-Kmissed a reporting deadline ↗Jun 29, 2000
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Guaranty Bancshares Inc Employee Stock Ownership PlanPassive (13G)Feb 18, 2025
- Baker Richard W.Passive (13G)Feb 14, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Johnson Carl JrDirector | Oct 1, 2025 | D | 57,200 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Sep 30, 2025 | 74,435 | 1.1 | -8.8% |
| Sep 15, 2025 | 81,661 | 2.4 | -12.1% |
| Aug 29, 2025 | 92,931 | 2.1 | +6.2% |
| Aug 15, 2025 | 87,521 | 1.9 | +27.4% |
| Jul 31, 2025 | 68,700 | 1.4 | -18.3% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Terminated a material agreement · Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsOct 1, 2025
- Shareholder vote · Other material eventSep 17, 2025
- Other material eventSep 9, 2025
- Other material eventSep 8, 2025
- Results of operationsJul 21, 2025
- Entered a material agreement · Director / officer changeJun 25, 2025
- Regulation FD disclosure · Other material eventJun 24, 2025
- Other material eventJun 20, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (2)
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