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Profile - Guaranty Bancshares, Inc. (NasdaqNM:GNTY)
As of 31-Aug-2001
Enter symbol:
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider | Financials
Recent Events
Aug 23Price hit new 52-week high ($13.25)
Location
100 West Arkansas
Mount Pleasant, TX 75455
Phone: (903) 572-9881
Fax: (903) 572-9658
Email: investor@gnty.com
Employees (last reported count): 198
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 60%
·Institutional: 0% (0% of float)
(6 institutions)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Guaranty Bancshares Inc. is a bank holding company that conducts its business through its principal subsidiary, Guaranty Bank (the Bank). The Company offers a full range of commercial loan products, including term loans, lines of credit, fixed asset loans and working capital loans. The Company also offers consumers a full range of personal loan products including automobile loans, home improvement loans, consumer loans and mortgage loans and also has a wide variety of deposit products, including a money market account, certificates of deposit, NOW accounts, savings accounts, Internet banking, free checking, debit cards and overdraft protection. The Bank owns interests in four entities, Guaranty Leasing Co., GB Com Inc., BSC Securities L.C. and Independent Bank Services L.C.
More from Market Guide: Expanded Business Description

Financial Summary
Guaranty Bancshares, Inc. is a bank holding company for Guaranty Bank, a state chartered commercial bank. For the six months ended 6/30/01, total interest income rose 10% to $15.1 million. Net interest income after loan loss provision rose 1% to $6 million. Net income rose 18% to $1.5 million. Net interest income reflects increased earning asset balances, partially offset by increased interest paid on deposits. Earnings benefited from increased net securities gains.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Bill Jones, 71
Chairman and CEO
$104K
Arthur Scharlach, Jr., 61
Pres
390K
Clifton Payne, 43
Sr. VP, Controller
168K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:GNTYAs of 31-Aug-2001
Price and Volume
52-Week Low
on 13-Sep-2000
$9.50 
Recent Price$12.75 
52-Week High
on 23-Aug-2001
$13.25 
Beta0.12 
Daily Volume (3-month avg)636 
Daily Volume (10-day avg)1,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change+27.5%
52-Week Change
relative to S&P500
+71.0%
Share-Related Items
Market Capitalization$38.3M
Shares Outstanding3.00M
Float1.20M
Dividends & Splits
Annual Dividend (indicated)$0.26 
Dividend Yield2.04%
Last Splitnone 
Per-Share Data
Book Value (mrq)$10.15 
Earnings (ttm)$0.89 
Earnings (mrq)$0.24 
Sales (ttm)$9.83 
Cash (mrq)$3.06 
Valuation Ratios
Price/Book (mrq)1.26 
Price/Earnings (ttm)14.37 
Price/Sales (ttm)1.30 
Income Statements
Sales (ttm)$30.3M
EBITDAN/A 
Income available to common (ttm)$2.74M
Profitability
Profit Margin (ttm)9.0%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.66%
Return on Equity (ttm)9.34%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0.23 
Total Cash (mrq)$9.21M
Short Interest
As of 8-Aug-2001
Shares Short1,000 
Percent of Float0.1%
Shares Short
(Prior Month)
0 
Daily Volume0 
See Profile Help for a description of each item above;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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