Guaranty Bancshares, Inc. (GNTY)

Guaranty Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	139.43	136.09	104.5	92.5	93.34
Interest Income on Investments	23.73	20.41	18.71	10.05	9.71
Total Interest Income	163.16	156.49	123.21	102.55	103.04
Interest Paid on Deposits	58.83	44.98	9.75	5.65	11.62
Interest Paid on Borrowings	6.45	14.53	5.63	1.34	1.44
Total Interest Expense	65.28	59.51	15.38	6.99	13.06
Net Interest Income	97.88	96.98	107.83	95.56	89.98
Net Interest Income Growth (YoY)	0.93%	-10.06%	12.84%	6.20%	14.09%
Gain (Loss) on Sale of Investments	-	-0.23	0.17	-	-
Other Non-Interest Income	19.75	21.54	20.88	18.58	16.2
Total Non-Interest Income	20.74	22.51	23.49	24.11	23.04
Non-Interest Income Growth (YoY)	-7.89%	-4.14%	-2.60%	4.67%	35.82%
Revenues Before Loan Losses	118.62	119.49	131.31	119.67	113.02
Provision for Loan Losses	-2.2	-	2.15	-1.7	13.2
Revenue	120.82	119.49	129.16	121.37	99.82
Revenue Growth (YoY)	1.11%	-7.49%	6.42%	21.59%	5.54%
Salaries and Employee Benefits	45.19	47.22	45.9	40.89	35.86
Selling, General & Administrative	14.31	14.12	12.71	12.4	11.55
Other Non-Interest Expense	21.81	20.42	20.61	19.26	18.36
Total Non-Interest Expense	81.85	82.35	79.91	73.28	66.52
EBT Excluding Unusual Items	38.96	37.14	49.26	48.09	33.3
Pretax Income	38.96	37.14	49.26	48.56	33.3
Income Tax Expense	7.47	7.13	8.83	8.75	5.9
Earnings From Continuing Operations	31.49	30.01	40.42	39.81	27.4
Minority Interest in Earnings	0.05	0.03	0.02	-	-
Net Income	31.54	30.04	40.45	39.81	27.4
Net Income to Common	31.54	30.04	40.45	39.81	27.4
Net Income Growth	4.99%	-25.74%	1.61%	45.27%	4.27%
Basic Shares Outstanding	11	12	12	12	12
Diluted Shares Outstanding	12	12	12	12	12
Shares Change (YoY)	-2.01%	-2.93%	-0.97%	-0.36%	-4.82%
EPS (Basic)	2.75	2.57	3.38	3.30	2.24
EPS (Diluted)	2.74	2.56	3.34	3.26	2.24
EPS Growth	7.03%	-23.35%	2.45%	45.54%	9.27%
Dividend Per Share	0.960	0.920	0.880	0.800	0.710
Dividend Growth	4.35%	4.54%	10.00%	12.68%	10.94%
Effective Tax Rate	19.18%	19.20%	17.94%	18.02%	17.70%

Updated Mar 14, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q