Is Guaranty Bancshares, Inc. (Texas) overvalued or undervalued?

As of 21 July 2025, Guaranty Bancshares, Inc. (Texas) has moved from a fair to attractive valuation grade, indicating a positive shift in its market perception. The company appears to be undervalued, supported by a P/E ratio of 17, a PEG ratio of 0.88, and an EV to EBITDA ratio of 10.09. In comparison to peers, Five Star Bancorp has a P/E of 13.58, while SmartFinancial, Inc. boasts a P/E of 15.30, highlighting Guaranty Bancshares' relative attractiveness in the market.
The company's recent performance has been strong, with a year-to-date return of 51.24%, significantly outperforming the S&P 500's 12.22% during the same period. This performance, along with its favorable valuation metrics, reinforces the conclusion that Guaranty Bancshares is currently undervalued in the market.