Is Sierra Bancorp overvalued or undervalued?

As of 24 October 2025, Sierra Bancorp's valuation grade has moved from fair to attractive, indicating a positive shift in its perceived value. The company appears undervalued based on its P/E ratio of 9, which is significantly lower than the industry average, and a PEG ratio of 0.56, suggesting strong growth potential relative to its price. Additionally, its Price to Book Value stands at 1.08, further supporting the notion of undervaluation compared to peers.
In comparison to its peers, Guaranty Bancshares, Inc. has a P/E of 18.33, while Peoples Financial Services Corp. boasts a PEG of 0.14, highlighting that Sierra Bancorp is positioned favorably within the regional banking sector. Despite recent underperformance against the S&P 500 over the past year, where it returned -4.51% compared to the index's 16.90%, its long-term performance over three and five years shows returns of 26.21% and 28.41%, respectively, indicating potential for recovery and growth.