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

As of 19 September 2025, Guaranty Bancshares, Inc. (Texas) has moved from a fair to an attractive valuation grade. 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, indicating that Guaranty Bancshares is positioned favorably within its industry.
The company's performance has also been strong relative to the S&P 500, with a year-to-date return of 43.76% compared to the index's 13.31%. This outperformance reinforces the attractiveness of its current valuation.