Guaranty Bancshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Interest Income	104.8	97.88	96.98	107.83	95.56	89.98
Net Interest Income Growth	10.80%	0.93%	-10.06%	12.84%	6.20%	14.09%
Non-Interest Income	10.59	20.74	22.51	23.49	24.58	23.04
Non-Interest Income Growth	-45.93%	-7.89%	-4.14%	-4.44%	6.68%	35.82%
Revenues Before Loan Losses	115.4	118.62	119.49	131.31	120.13	113.02
Provision for Credit Losses	-1.05	-2.2	-	2.15	-1.7	13.2
Revenue	116.45	120.82	119.49	129.16	121.83	99.82
Revenue Growth (YoY)	0.71%	1.11%	-7.49%	6.02%	22.05%	5.54%
Compensation Expenses	24.03	46.79	48.86	47.48	42.35	37.19
Selling, General & Admin	6.27	11.82	11.3	11.13	10.94	10.22
Other Non-Interest Expenses	11.62	23.24	22.19	21.3	19.99	19.11
Total Non-Interest Expense	41.92	81.85	82.35	79.91	73.28	66.52
Pretax Income	74.53	38.96	37.14	49.26	48.56	33.3
Provision for Income Taxes	8.86	7.47	7.13	8.83	8.75	5.9
Net Income	36.06	31.54	30.04	40.45	39.81	27.4
Minority Interest in Earnings	0.06	0.05	0.03	0.02	-	-
Net Income to Common	36.06	31.54	30.04	40.45	39.81	27.4
Net Income Growth	37.10%	4.99%	-25.74%	1.61%	45.27%	4.27%
Shares Outstanding (Basic)	11	11	12	12	12	12
Shares Outstanding (Diluted)	11	12	12	12	12	12
Shares Change (YoY)	-1.03%	-2.01%	-2.93%	-0.97%	-0.36%	-4.82%
EPS (Basic)	3.17	2.75	2.57	3.38	3.30	2.25
EPS (Diluted)	3.14	2.74	2.56	3.34	3.26	2.24
EPS Growth	37.12%	7.03%	-23.35%	2.45%	45.54%	9.27%
Free Cash Flow	-1.05	44.11	32.43	33.16	40.65	36.62
Free Cash Flow Growth	-	36.01%	-2.21%	-18.42%	11.00%	35.85%
Free Cash Flow Per Share	-0.09	3.83	2.76	2.74	3.33	2.99
Dividends Per Share	0.980	0.960	0.920	0.880	0.800	0.710
Dividend Growth	2.08%	4.35%	4.54%	10.00%	12.68%	10.94%
Profit Margin	56.40%	26.07%	25.11%	31.30%	32.67%	27.45%
FCF Margin	-0.90%	36.51%	27.14%	25.67%	33.36%	36.69%
EBITDA	-	5.01	4.78	4.94	5.51	5.47
EBITDA Margin	-	4.15%	4.00%	3.82%	4.52%	5.48%
Effective Tax Rate	11.89%	19.18%	19.20%	17.93%	18.02%	17.70%

Updated Jul 21, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q