Pinnacle Financial Partners (PNFP) and Guaranty Bancshares (GNTY) Financial Survey
Pinnacle Financial Partners (NASDAQ: PNFP) and Guaranty Bancshares (NASDAQ:GNTY) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their valuation, dividends, profitability, institutional ownership, risk, analyst recommendations and earnings.
Institutional & Insider Ownership
72.3% of Pinnacle Financial Partners shares are owned by institutional investors. Comparatively, 20.6% of Guaranty Bancshares shares are owned by institutional investors. 5.4% of Pinnacle Financial Partners shares are owned by insiders. Comparatively, 34.1% of Guaranty Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
Valuation & Earnings
This table compares Pinnacle Financial Partners and Guaranty Bancshares’ revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||NetIncome||Earnings Per Share||Price/Earnings Ratio|
|Pinnacle Financial Partners||$484.61 million||10.51||$127.22 million||$3.23||20.29|
|Guaranty Bancshares||$77.72 million||4.24||$12.12 million||N/A||N/A|
Pinnacle Financial Partners has higher revenue and earnings than Guaranty Bancshares.
This is a summary of recent ratings for Pinnacle Financial Partners and Guaranty Bancshares, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Pinnacle Financial Partners||0||1||4||0||2.80|
Pinnacle Financial Partners presently has a consensus target price of $73.25, suggesting a potential upside of 11.75%. Guaranty Bancshares has a consensus target price of $34.00, suggesting a potential upside of 14.13%. Given Guaranty Bancshares’ higher probable upside, analysts clearly believe Guaranty Bancshares is more favorable than Pinnacle Financial Partners.
Volatility and Risk
Pinnacle Financial Partners has a beta of 1.32, indicating that its share price is 32% more volatile than the S&P 500. Comparatively, Guaranty Bancshares has a beta of -0.01, indicating that its share price is 101% less volatile than the S&P 500.
This table compares Pinnacle Financial Partners and Guaranty Bancshares’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Pinnacle Financial Partners||27.41%||7.36%||1.18%|
Pinnacle Financial Partners pays an annual dividend of $0.56 per share and has a dividend yield of 0.9%. Guaranty Bancshares pays an annual dividend of $0.52 per share and has a dividend yield of 1.7%. Pinnacle Financial Partners pays out 17.3% of its earnings in the form of a dividend.
Pinnacle Financial Partners beats Guaranty Bancshares on 9 of the 14 factors compared between the two stocks.
Pinnacle Financial Partners Company Profile
Pinnacle Financial Partners, Inc. is a bank holding company. The Company operates through its subsidiary, Pinnacle Bank. The Company operates as a community bank primarily in the urban markets of Nashville, Knoxville, Memphis and Chattanooga, Tennessee and other counties. It provides the personalized service associated with small community banks, while seeking to offer the products and services, such as investments and treasury management. Pinnacle Bank offers an array of convenience-centered products and services, including round the clock telephone and Internet banking, mobile banking, debit and credit cards, direct deposit, remote deposit and cash management services for small- to medium-sized businesses. In addition, Pinnacle Bank is associated with a network of automated teller machines of other financial institutions that its clients are able to use throughout Tennessee and other regions.
Guaranty Bancshares Company Profile
Guaranty Bancshares, Inc. is the holding company for Guaranty Bank & Trust (Guaranty). Guaranty offers various solutions, such as personal banking, business banking, mortgage and wealth management. Its personal banking solutions include checking accounts, which include compare accounts, green checking, student checking, choice checking, guaranty interest checking, order checks and debit cards; savings accounts, which include regular savings, premier money market, certificate of deposit, individual retirement account (IRA) options and health savings account, and online banking, which includes money desktop and e-statements. Guaranty offers various loans, including line of credit, small business administration loans and real estate loans. Guaranty also offers mobile banking solutions, mortgage warehouse lending solutions and treasury management solutions. It has approximately 30 bank locations in over 20 Texas communities.
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