Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Paragon Financial SolutionsPGNN 73 PEG Ratio is 1.35 as of Jul. 18, 2026, which is 32% below its 10-year median of 1.99. GuruFocus rates PGNN with a GF Score™ of 73/100 and a GF Value™ of $12.07 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,228 Banks companies, Paragon Financial Solutions ranks better than 55.29% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Paragon Financial Solutions's PEG Ratio or its related term are showing as below:
PGNN'
s PEG Ratio Range Over the Past 10 Years
Min: 1.21 Med: 1.99 Max: 4.64
Current: 1.35
During the past 12 years, Paragon Financial Solutions's highest PEG Ratio was 4.64. The lowest was 1.21. And the median was 1.99.
PGNN's PEG Ratio is ranked better than 55.29% of 1228
companies
in the Banks industry
Industry Median: 1.555
vs PGNN: 1.35
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Paragon Financial Solutions (OTCPK:PGNN) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Paragon Financial Solutions PEG Ratio Related Terms
Paragon Financial Solutions PEG Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Paragon Financial Solutions's PEG Ratio, along with its competitors' market caps and PEG Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Paragon Financial Solutions PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Paragon Financial Solutions's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Paragon Financial Solutions's PEG Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Paragon Financial Solutions (PGNN) has a PEG Ratio of 1.35 as of Jul. 18, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Paragon Financial Solutions and its competitors. This is 32% below median its historical median of 1.99. Over the past decade, Paragon Financial Solutions' PEG Ratio has ranged from 1.21 to 4.64. According to the industry distribution chart, Paragon Financial Solutions ranks #549 out of 1228 companies in the Banks industry, placing it in the top 44.7%.
Is Paragon Financial Solutions' PEG Ratio too high?
Paragon Financial Solutions' current PEG Ratio of 1.35 is 32% below median its 10-year median of 1.99. Over the past 10 years, this metric has ranged from a low of 1.21 to a high of 4.64. The Banks industry median PEG Ratio is 1.56. Paragon Financial Solutions' value of 1.35 is 13.2% below this industry median. Based on the distribution chart, Paragon Financial Solutions ranks #549 out of 1228 companies in the Banks industry, which is above the industry midpoint. Overall, Paragon Financial Solutions has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Paragon Financial Solutions' PEG Ratio compare to INFT and FBVI?
According to the Banks industry distribution chart, Paragon Financial Solutions ranks #549 out of 1228 companies for PEG Ratio. This puts Paragon Financial Solutions in the upper half of its industry. The industry median PEG Ratio is 1.56. Paragon Financial Solutions' value of 1.35 is 13.2% below this benchmark. Historically, Paragon Financial Solutions' own PEG Ratio has ranged from 1.21 to 4.64 over the past decade. While the company's 10-year median is 1.99 vs. the industry median of 1.56, Paragon Financial Solutions has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.56, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paragon Financial Solutions's current PEG Ratio of 1.35 is 13.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Paragon Financial Solutions and its competitors. For the Banks industry, the median PEG Ratio is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paragon Financial Solutions's current PEG Ratio is 1.35, which is 32% below median its own 10-year median of 1.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paragon Financial Solutions stock overvalued right now?
Based on GuruFocus' analysis, Paragon Financial Solutions (PGNN) is currently considered Modestly Overvalued. The stock's GF Value™ is $12.07, compared to a current price of $13.49 — trading 11.8% above its estimated fair value. The current PEG Ratio is 1.35, which is 32% below median its 10-year median of 1.99 and 13.2% below the Banks industry median of 1.56. Paragon Financial Solutions' overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Paragon Financial Solutions (PGNN), the current PEG Ratio is 1.35 as of Jul. 18, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Paragon Financial Solutions (PGNN) Overvalued in 2026?
Based on GuruFocus' analysis, Paragon Financial Solutions stock appears to be overvalued.
The current stock price of $13.49 is trading 11.8% above its estimated GF Value™ of $12.07.
GuruFocus considers Paragon Financial Solutions to be Modestly Overvalued.
Key valuation signals for PGNN:
PEG Ratio: 1.35 (32% below median its 10-year median of 1.99)
GF Value™: $12.07 vs. price of $13.49 (11.8% above fair value)
Industry Position: 13.2% below the Banks median (#549 of 1228)
No single metric tells the full story. See the PGNN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Paragon Financial Solutions Inc is a bank that provides financial services to its customers in Tennessee; Mississippi; Georgia; and North Carolina. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate.
73GF Score
Get the complete analysis for PGNN
PEG Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PGNN has been successfully added to your 
