Is Sierra Bancorp overvalued or undervalued?

As of 21 August 2025, Sierra Bancorp's valuation grade has moved from fair to attractive, indicating a positive shift in its valuation outlook. The company appears to be undervalued, supported by a P/E ratio of 9, a Price to Book Value of 1.08, and a PEG ratio of 0.56, all of which suggest that the stock is trading at a discount relative to its earnings growth potential.
In comparison to its peers, Guaranty Bancshares, Inc. has a significantly higher P/E ratio of 18.33, while Peoples Financial Services Corp. boasts a PEG ratio of 0.14, reinforcing Sierra Bancorp's attractive valuation. Although specific return data is not available, the recent stock performance against the S&P 500 may further highlight its potential, as the company's valuation metrics suggest it is positioned favorably in the market.