NYSE$GNTY

Guaranty Bancshares Inc · Q2 2025 earnings

Q2 2025 earnings · · Before market open · Investor relations

Briefing

Guaranty Bancshares reported Q2 2025 revenue of $33.2M, net income of $10.0M, diluted EPS of $0.87.

For Q2 2025, Guaranty Bancshares reported Revenue was $33.2M, net income was $10.0M, diluted EPS was $0.87. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $33.2M for Q2 2025.
  • Net income $10.0M.
  • Diluted EPS $0.87.

Headline financials

Total Revenue

$33.2M

Previous: $28.5M+16.7%
EPS (adj)

$0.87

Previous: $0.65+33.8%
Net Interest Margin

3.7%

Previous: 3.3%+13.8%
Efficiency Ratio

62.3%

Previous: 72.3%-13.9%
Return on Avg Assets

1.3%

Previous: 0.9%+34.7%
Return on Avg Equity

12.2%

Previous: 9.9%+23.0%
NPAs / Total Loans

0.5%

Previous: 1.0%-51.0%
Net Income

$10M

Previous: $7.42M+34.7%
Operating Income

$12.5M

Previous: $9.08M+37.9%

Revenue & EPS history

Guaranty Bancshares · Revenue · Quarterly

$33.2M

Q2 2025+16.7%vs Q2 2024
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Revenue by segment

Guaranty Bancshares · $2.11B total across 9 segments · Q2 2022

  • Commercial Real Estate
    $750M
  • 1-4 Family Residential
    $451M
  • Construction & Development
    $350M
  • Commercial & Industrial
    $269M
  • Farmland
    $166M
  • Consumer
    $56.4M
  • Multi-Family Residential
    $56M
  • Agricultural
    $14.5M
  • Overdrafts
    $435K

Forward guidance

The quarterly filing discusses operating priorities, liquidity, and sector risks.

Tailwinds

  • MD&A outlines strategic priorities and capital allocation.
  • Segment commentary supports the earnings narrative.

Headwinds

  • Macro, rates, or input costs may pressure margins.
  • One-time items can affect year-over-year comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 6 quarterly earnings reports · overlaid with Q2 2025

Historical avgQ2 2025

+0.6%

Avg return

Earnings day

+2.8%

Avg return

5 days after

+4.0%

Avg return

30 days after

46%

18 / 39 earnings

Positive

+16.9%

Q4 2025

Best reaction

-11.7%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q3 2025
Q2 2025-0.8%-0.9%+1.2%
Q1 2025+0.9%-0.1%+4.7%
Q4 2025+16.9%+17.8%+17.5%
Q3 2024-2.8%-6.7%+1.2%
Q2 2024+2.2%+2.6%-6.4%
Q1 2024-4.0%+4.3%+5.9%
Q4 2023+4.0%
Q3 2023+0.9%
Q2 2023+14.7%
Q1 2023-11.7%
Q4 2022-2.9%
Q3 2022+2.0%
Q2 2022-0.2%
Q1 2022+3.8%
Q4 2021+1.7%
Q3 2021+4.3%
Q2 2021-4.1%
Q1 2021+0.5%
Q4 2020+2.1%
Q3 2020+0.5%
Q2 2020+7.0%
Q1 2020-0.4%
Q4 2019-0.7%
Q3 2019+5.8%
Q2 2019+1.5%
Q1 2019-2.2%
Q4 2018-5.0%
Q3 2018-2.3%
Q2 2018-0.3%
Q1 2018-1.8%
Q4 2015-1.0%
Q4 2017-2.0%
Q3 2016-0.7%
Q3 2017-3.2%
Q2 2016+0.7%
Q2 2017+1.0%
Q4 2016-0.5%
Q1 2017-0.5%
Q1 2016-0.5%

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