Guaranty Bancshares' Q2 net income rises on higher margins

Guaranty Bancshares

21/07/2025 12:13

Overview

Guaranty Bancshares fiscal Q2 net income rises to $10.0 mln, driven by higher NIM

Net interest income for fiscal Q2 up 15.8% yr/yr due to lower deposit costs

Noninterest income boosted by lawsuit settlement, asset quality remains strong

Result Drivers

NET INTEREST MARGIN - Improvement in net interest margin from 3.26% to 3.71% driven by decreased deposit costs and upward repricing of loans and securities

NONINTEREST INCOME - Increase in noninterest income due to $1.0 mln restitution payment from lawsuit settlement

ASSET QUALITY - Strong asset quality with nonperforming assets at 0.33% of total assets, per CEO Ty Abston

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q2 Net Earnings
$9.98 mln
Q2 Net Interest Income
$27.66 mln
Q2 Basic EPS
$0.88


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 1 "strong buy" or "buy", 2 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for Guaranty Bancshares Inc is $52.00, about 12.5% above its July 18 closing price of $45.52

The stock recently traded at 14 times the next 12-month earnings vs. a P/E of 13 three months ago

Press Release: ID:nBw9QRk70a

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)