In the first quarter of 2025, the bank reported a tangible book value per share of $27.73 and a net charge-off rate of 0.23%. Earnings for the period showed positive growth, rising by $2 million compared to the same quarter last year. Additionally, the net interest margin experienced a noticeable increase from 3.16% in 2024's first quarter to 3.70% this year.
The company's core deposits maintained stability, seeing slight growth during the quarter. Asset quality remained robust, reflected by the low nonperforming assets to total assets ratio of just 0.15% at the end of the quarter. The bank also reported strong liquidity and capital positions.
Further enhancing shareholder value, the company engaged in stock repurchases and raised its quarterly dividend from $0.24 to $0.25. Despite market volatility, the chairman and CEO, Ty Abston, expressed confidence in the bank's projections and modeling for the remainder of the year.
Wall Street Analysts Forecast
Based on the one-year price targets offered by 2 analysts, the average target price for Guaranty Bancshares Inc (GNTY, Financial) is $43.00 with a high estimate of $44.00 and a low estimate of $42.00. The average target implies an upside of 9.89% from the current price of $39.13. More detailed estimate data can be found on the Guaranty Bancshares Inc (GNTY) Forecast page.
Based on the consensus recommendation from 3 brokerage firms, Guaranty Bancshares Inc's (GNTY, Financial) average brokerage recommendation is currently 2.3, indicating "Outperform" status. The rating scale ranges from 1 to 5, where 1 signifies Strong Buy, and 5 denotes Sell.
Based on GuruFocus estimates, the estimated GF Value for Guaranty Bancshares Inc (GNTY, Financial) in one year is $37.18, suggesting a downside of 4.98% from the current price of $39.13. GF Value is GuruFocus' estimate of the fair value that the stock should be traded at. It is calculated based on the historical multiples the stock has traded at previously, as well as past business growth and the future estimates of the business' performance. More detailed data can be found on the Guaranty Bancshares Inc (GNTY) Summary page.
