Guaranty Bancshares | 10-Q: FY2025 Q2 Revenue: USD 41.55 K

Revenue: As of FY2025 Q2, the actual value is USD 41.55 K.

EPS: As of FY2025 Q2, the actual value is USD 0.87, beating the estimate of USD 0.81.

Segment Revenue

• Interest Income: Total interest income for the three months ended June 30, 2025, was $41,151, compared to $40,713 for the same period in 2024. For the six months ended June 30, 2025, total interest income was $81,434, compared to $81,465 in 2024.

Operational Metrics

• Net Interest Income: For the three months ended June 30, 2025, net interest income was $27,664, compared to $23,880 for the same period in 2024. For the six months ended June 30, 2025, net interest income was $54,390, compared to $47,467 in 2024.
• Net Earnings: Net earnings for the three months ended June 30, 2025, were $9,983, compared to $7,423 for the same period in 2024. For the six months ended June 30, 2025, net earnings were $18,606, compared to $14,104 in 2024.

Cash Flow

• Net Cash Provided by Operating Activities: For the six months ended June 30, 2025, net cash provided by operating activities was $19,771, compared to $21,503 for the same period in 2024.
• Net Cash Provided by Investing Activities: For the six months ended June 30, 2025, net cash provided by investing activities was $21,822, compared to $97,054 in 2024.
• Net Cash Provided by Financing Activities: For the six months ended June 30, 2025, net cash provided by financing activities was $5,609, compared to - $117,869 in 2024.

Unique Metrics

• Allowance for Credit Losses: The allowance for credit losses as of June 30, 2025, was $27,586, compared to $28,290 as of December 31, 2024.

Future Outlook and Strategy

• Core Business Focus: The company plans to continue focusing on its core lending and deposit operations, with a particular emphasis on maintaining credit quality and managing interest rate risk. The company also aims to enhance its digital banking capabilities to improve customer experience and operational efficiency.
• Non-Core Business: There are no significant plans for divestitures or expansion into non-core business areas mentioned in the report.