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
Interest Income on Loans	136.03	139.43	136.09	104.5	92.5	93.34
Interest Income on Investments	27.1	23.73	20.41	18.71	10.05	9.71
Total Interest Income	163.13	163.16	156.49	123.21	102.55	103.04
Interest Paid on Deposits	55.18	58.83	44.98	9.75	5.65	11.62
Interest Paid on Borrowings	3.14	6.45	14.53	5.63	1.34	1.44
Total Interest Expense	58.33	65.28	59.51	15.38	6.99	13.06
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%
Gain (Loss) on Sale of Investments	-	-	-0.23	0.17	-	-
Other Non-Interest Income	20.5	19.75	21.54	20.88	18.58	16.2
Total Non-Interest Income	21.47	20.74	22.51	23.49	24.11	23.04
Non-Interest Income Growth	9.60%	-7.89%	-4.14%	-2.60%	4.67%	35.82%
Revenues Before Loan Losses	126.28	118.62	119.49	131.31	119.67	113.02
Provision for Loan Losses	-1.05	-2.2	-	2.15	-1.7	13.2
Revenue	127.33	120.82	119.49	129.16	121.37	99.82
Revenue Growth	10.12%	1.11%	-7.49%	6.42%	21.59%	5.54%
Salaries and Employee Benefits	45.1	45.19	47.22	45.9	40.89	35.86
Occupancy Expenses	0.55	-	-	-	-	-
Selling, General & Administrative	14.42	14.31	14.12	12.71	12.4	11.55
Other Non-Interest Expense	21.87	21.81	20.42	20.61	19.26	18.36
Total Non-Interest Expense	82.47	81.85	82.35	79.91	73.28	66.52
EBT Excluding Unusual Items	44.85	38.96	37.14	49.26	48.09	33.3
Pretax Income	44.85	38.96	37.14	49.26	48.56	33.3
Income Tax Expense	8.86	7.47	7.13	8.83	8.75	5.9
Earnings From Continuing Operations	35.99	31.49	30.01	40.42	39.81	27.4
Minority Interest in Earnings	0.06	0.05	0.03	0.02	-	-
Net Income	36.06	31.54	30.04	40.45	39.81	27.4
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%
Basic Shares Outstanding	11	11	12	12	12	12
Diluted Shares Outstanding	11	12	12	12	12	12
Shares Change	-1.09%	-2.01%	-2.93%	-0.97%	-0.36%	-4.82%
EPS (Basic)	3.17	2.75	2.57	3.38	3.30	2.24
EPS (Diluted)	3.15	2.74	2.56	3.34	3.26	2.24
EPS Growth	38.57%	7.03%	-23.35%	2.45%	45.54%	9.27%

Additional Metrics

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
Dividend Per Share	0.980	0.960	0.920	0.880	0.800	0.710
Dividend Growth	4.25%	4.35%	4.54%	10.00%	12.68%	10.94%
Effective Tax Rate	19.75%	19.18%	19.20%	17.94%	18.02%	17.70%

SEC Filings: 10-K · 10-Q