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

As of 19 September 2025, the valuation grade for Guaranty Bancshares, Inc. has moved from fair to attractive, indicating a positive shift in its market position. The company appears undervalued, supported by a P/E ratio of 17, a PEG ratio of 0.88, and an EV to EBITDA of 10.09, which are favorable compared to its peers. For instance, Five Star Bancorp has a P/E of 13.58, and SmartFinancial, Inc. has an EV to EBITDA of 15.30, suggesting that Guaranty Bancshares is positioned well within the regional banks sector.
Additionally, Guaranty Bancshares has demonstrated strong performance with a year-to-date return of 43.55%, significantly outperforming the S&P 500's return of 13.31% over the same period. This performance reinforces the attractiveness of the stock, highlighting its potential for further growth in the market.