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

As of 26 September 2025, the valuation grade for Guaranty Bancshares, Inc. has moved from attractive to fair, indicating a shift in its perceived value. The company appears to be fairly valued at this time. Key valuation ratios include a P/E ratio of 17, a Price to Book Value of 1.70, and an EV to EBITDA of 10.09. In comparison, Five Star Bancorp has a P/E of 13.58, while Mid Penn Bancorp, Inc. stands at 12.76, suggesting that Guaranty Bancshares is priced higher relative to its peers.
In terms of recent performance, Guaranty Bancshares has outperformed the S&P 500 over the year with a return of 47.00% compared to the S&P 500's 15.64%. This strong performance may support the company's current valuation, but the shift to a fair rating suggests that the market may be adjusting its expectations.