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GNTY Guaranty Bancshares, Inc.
Banks, Insurers & Asset Managers
B- 65.0 / 100 composite

AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.

Profitability

Weight: 25%
C 54

Scored using efficiency ratio — bank-archetype substitution.

  • Efficiency Ratio (FY2024) 68.2%
  • Efficiency Ratio Trend -1.26 pp/yr

Capital Efficiency

Weight: 15%
B 75
  • 5yr Avg ROE 11.3%
  • 5yr Share-Count CAGR -2.3%

Growth Quality

Weight: 15%
A- 86

Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.

  • 5yr Revenue CAGR 8.9%
  • Efficiency Ratio Trend (growth quality check) -1.26 pp/yr
  • Revenue-Growth Years (5) 5/5

Cash Generation

Weight: 15%
D- 32

Scored using efficiency-ratio stability — bank-archetype substitution.

  • Efficiency Ratio Stability (σ) 0.07

Balance Sheet

Weight: 20%
A- 81

Scored using equity-to-assets — bank-archetype substitution.

  • Equity / Assets 10.2%

Stability

Weight: 10%
B- 66
  • EPS Volatility (σ/μ) 0.43
  • Negative-Revenue Years (5) 0/5
  • Piotroski F-Score 7

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Not Followed

Not held by any curated guru.