Guaranty Bancshares, Inc. (GNTY)

Guaranty Bancshares Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	137.26	139.43	136.09	104.5	92.5	93.34
Interest Income on Investments	25.43	23.73	20.41	18.71	10.05	9.71
Total Interest Income	162.69	163.16	156.49	123.21	102.55	103.04
Interest Paid on Deposits	57.25	58.83	44.98	9.75	5.65	11.62
Interest Paid on Borrowings	4.43	6.45	14.53	5.63	1.34	1.44
Total Interest Expense	61.67	65.28	59.51	15.38	6.99	13.06
Net Interest Income	101.02	97.88	96.98	107.83	95.56	89.98
Net Interest Income Growth (YoY)	5.88%	0.93%	-10.06%	12.84%	6.20%	14.09%
Gain (Loss) on Sale of Investments	-	-	-0.23	0.17	-	-
Other Non-Interest Income	19.65	19.75	21.54	20.88	18.58	16.2
Total Non-Interest Income	20.51	20.74	22.51	23.49	24.11	23.04
Non-Interest Income Growth (YoY)	-10.29%	-7.89%	-4.14%	-2.60%	4.67%	35.82%
Revenues Before Loan Losses	121.53	118.62	119.49	131.31	119.67	113.02
Provision for Loan Losses	-2.25	-2.2	-	2.15	-1.7	13.2
Revenue	123.78	120.82	119.49	129.16	121.37	99.82
Revenue Growth (YoY)	4.44%	1.11%	-7.49%	6.42%	21.59%	5.54%
Salaries and Employee Benefits	44.99	45.19	47.22	45.9	40.89	35.86
Selling, General & Administrative	14.75	14.31	14.12	12.71	12.4	11.55
Other Non-Interest Expense	22.08	21.81	20.42	20.61	19.26	18.36
Total Non-Interest Expense	82.37	81.85	82.35	79.91	73.28	66.52
EBT Excluding Unusual Items	41.41	38.96	37.14	49.26	48.09	33.3
Pretax Income	41.41	38.96	37.14	49.26	48.56	33.3
Income Tax Expense	7.98	7.47	7.13	8.83	8.75	5.9
Earnings From Continuing Operations	33.43	31.49	30.01	40.42	39.81	27.4
Minority Interest in Earnings	0.06	0.05	0.03	0.02	-	-
Net Income	33.49	31.54	30.04	40.45	39.81	27.4
Net Income to Common	33.49	31.54	30.04	40.45	39.81	27.4
Net Income Growth	17.74%	4.99%	-25.74%	1.61%	45.27%	4.27%
Basic Shares Outstanding	11	11	12	12	12	12
Diluted Shares Outstanding	11	12	12	12	12	12
Shares Change (YoY)	-1.38%	-2.01%	-2.93%	-0.97%	-0.36%	-4.82%
EPS (Basic)	2.93	2.75	2.57	3.38	3.30	2.24
EPS (Diluted)	2.91	2.74	2.56	3.34	3.26	2.24
EPS Growth	18.89%	7.03%	-23.35%	2.45%	45.54%	9.27%
Dividend Per Share	0.970	0.960	0.920	0.880	0.800	0.710
Dividend Growth	4.30%	4.35%	4.54%	10.00%	12.68%	10.94%
Effective Tax Rate	19.27%	19.18%	19.20%	17.94%	18.02%	17.70%

Updated Apr 21, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q