NYSE$GNTY

Guaranty Bancshares Inc · Q4 2019 earnings

Q4 2019 earnings · · Investor relations

Briefing

Reported financial results for Q4 and year-end 2019.

Guaranty Bancshares, Inc. reported net income available to common shareholders of $7.4 million, or $0.64 per basic share, for the quarter ended December 31, 2019, compared to $6.5 million, or $0.55 per basic share, for the quarter ended December 31, 2018. The increase in net earnings was primarily attributable to an increase in net interest income and an increase in noninterest income, partially offset by an increase in noninterest expense and income tax provision.

  • Net income available to common shareholders was $7.4 million, or $0.64 per basic share.
  • Return on average assets and average equity was 1.26% and 11.40%, respectively.
  • Net interest income increased by $1.6 million, or 8.7%.
  • Noninterest income increased $512,000, or 12.3%.

Headline financials

Total Revenue

$25.2M

Previous: $23M+9.3%
EPS (adj)

$0.57

Previous: $0.50+14.0%
Net Interest Margin

3.8%

No prior period
Efficiency Ratio

64.5%

No prior period
Return on Avg Assets

1.3%

No prior period
Return on Avg Equity

11.4%

No prior period
NPAs / Total Loans

0.7%

No prior period
Capital Expenditures

$1.45M

Previous: -$91K+1690.1%
Free Cash Flow

$9.78M

Previous: $6.34M+54.1%
Net Income

$7.37M

Previous: $6.51M+13.2%
Operating Income

$8.94M

No prior period
Cash & Equivalents

$90.7M

Previous: $71.5M+26.9%
Total Assets

$2.32B

Previous: $2.27B+2.3%
Stock-Based Comp

$170K

Previous: $214K-20.6%

Revenue & EPS history

Guaranty Bancshares · Revenue · Quarterly

$25.2M

Q4 2019+9.3%vs Q4 2018
Beat estimate in 7 of 15 quarters(47%)
ActualEstimate

Revenue by segment

Guaranty Bancshares · $1.71B total across 9 segments · Q4 2019

  • Commercial Real Estate
    $567M
  • 1-4 Family Residential
    $412M
  • Construction & Development
    $280M
  • Commercial & Industrial
    $280M
  • Farmland
    $57.5M
  • Consumer
    $53.2M
  • Multi-Family Residential
    $37.4M
  • Agricultural
    $18.4M
  • Overdrafts
    $329K

Historical earnings impact

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

Avg. return before/after earnings

Based on 6 quarterly earnings reports

Historical avg

+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%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro