Reviewing Yadkin Financial Corp (YAVY) & Guaranty Bancshares (GNTY)

Yadkin Financial Corp (NASDAQ: YAVY) and Guaranty Bancshares (NASDAQ:GNTY) are both small-cap commercial banks companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, risk, analyst recommendations, profitability, earnings, dividends and valuation.

Dividends

Guaranty Bancshares pays an annual dividend of $0.52 per share and has a dividend yield of 1.8%. Yadkin Financial Corp does not pay a dividend.

Risk & Volatility

Yadkin Financial Corp has a beta of 0.98, meaning that its stock price is 2% less volatile than the S&P 500. Comparatively, Guaranty Bancshares has a beta of -0.01, meaning that its stock price is 101% less volatile than the S&P 500.

Profitability

This table compares Yadkin Financial Corp and Guaranty Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Yadkin Financial Corp 18.40% 5.41% 0.75%
Guaranty Bancshares N/A N/A N/A

Analyst Ratings

This is a breakdown of recent ratings and price targets for Yadkin Financial Corp and Guaranty Bancshares, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Yadkin Financial Corp 0 0 0 0 N/A
Guaranty Bancshares 0 2 0 0 2.00

Guaranty Bancshares has a consensus target price of $34.00, indicating a potential upside of 17.24%. Given Guaranty Bancshares’ higher possible upside, analysts clearly believe Guaranty Bancshares is more favorable than Yadkin Financial Corp.

Earnings and Valuation

This table compares Yadkin Financial Corp and Guaranty Bancshares’ revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio NetIncome Earnings Per Share Price/Earnings Ratio
Yadkin Financial Corp N/A N/A N/A $1.12 30.79
Guaranty Bancshares $77.72 million 4.13 $12.12 million N/A N/A

Guaranty Bancshares has higher revenue and earnings than Yadkin Financial Corp.

Institutional & Insider Ownership

19.9% of Guaranty Bancshares shares are held by institutional investors. 34.1% of Guaranty Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Summary

Guaranty Bancshares beats Yadkin Financial Corp on 5 of the 9 factors compared between the two stocks.

About Yadkin Financial Corp

Yadkin Financial Corporation is a bank holding company. The Company conducts its business operations through its subsidiary, Yadkin Bank, which is a chartered community bank that provides services in approximately 110 branches across North Carolina and South Carolina. Yadkin Bank provides banking, mortgage, investment and insurance services to businesses and consumers across the Carolinas. It operates through a segment, which is providing general commercial banking and financial services to individuals and businesses located in North Carolina and South Carolina, and to customers in various states through its Small Business Administration (SBA) lending program. It offers various loans, such as commercial and industrial (C&I) loans and government-guaranteed loans. The Company’s investment securities portfolio includes the United States Government-sponsored enterprise (GSE) obligations and securities guaranteed by the United States SBA. The Company’s primary source of funds is deposits.

About Guaranty Bancshares

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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