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Paragon Financial Solutions Inc (PGNN) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Paragon Financial Solutions Inc stock $14.21, price $14.50, that is 2.0% below the price, quality 54 out of 100. Rating: fairly valued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

PF Paragon Financial Solutions Inc logo Some data Nov 4, 2026

Paragon Financial Solutions Inc

PGNN · US
Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

Highly profitable · 21.0% net margin (TTM)
Costs just 8.5 times its yearly profit.
Fair value $14.21 · Fairly valued
Quality 54/100
Mixed Growth (revenue 5y +22.1 %/yr in USD)
Mixed vs. peers (8/14)
Moderate moat 60/100 · thin data
Some data
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$14.75 $7.11 Fair Value $14.21 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

60‑month range $7.11 – $14.75 · fair‑value band $12.83 – $17.50 · the $14.50 price screens above the $14.21 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.

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Company profile

Paragon Financial Solutions, Inc., through its subsidiary, Paragon Bank, provides various banking products and services to individuals, and small and mid-sized businesses in the United States.

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It offers deposit products, including checking accounts, savings accounts, money market savings accounts, certificates of deposit, and IRAs. The company also provides commercial loan products comprising working capital loans, accounts receivable/inventory lines of credit, equipment financing, commercial auto/truck financing, business acquisition financing, letters of credit, SBA/USDA lending, and owner-and non-owner-occupied commercial real estate loans; and mortgage loans, such as purchase, refinance, conventional mortgage, federal housing administration, veterans affairs, affordable home, home equity, and medical specialist loans.

In addition, it offers private banking services, such as depository and personal financial services, as well as special purchases, residential mortgages, home equity, construction and renovation, and vacation and second homes loan and credit services; cash management solutions consisting of liquidity, fraud prevention, and payables and receivables management; and wealth solutions, including equities, mutual funds, bonds, and annuity products and services.

Further, the company provides insurance solutions, such as property, general liability, group medical plans, long and short-term disability, professional liability, workers compensation, truckers/cargo, auto, home, umbrella, aviation, and surety bonds, as well as employee dental, vision, and life insurance.

It also offers mobile, online, phone, and internet banking services. The company operates approximately 150 ATM locations in the Memphis metro area. Paragon Financial Solutions, Inc. was founded in 2004 and is based in Memphis, Tennessee.

Stock analysis

Paragon Financial Solutions Inc (PGNN) currently trades at $14.50, while our model-based Fair Value estimate is $14.21, so the stock looks roughly fairly valued today (gap 2.0%).

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Valuation

Bull case: the Multiples group reads highest at a median of $17.38 per share, and 1 of the 4 models we run sit above the $14.50 price.

Bear case: the Asset-Based group reads lowest at $10.06, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $12.83 (bear) to $17.50 (bull), the price of $14.50 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Paragon Financial Solutions Inc reported revenue of $58.3M in FY2025 versus $22.2M in FY2021, a compound +27.2%/yr. Reported net income was $7.8M in FY2025, compounding +17.7%/yr from FY2021.

Key figures

Market cap $65.4M Micro · P/E ratio 8.5 · P/S ratio 1.76 · EPS (TTM) $1.70 · Net margin 21.0% · Return on equity 11.4% · Return on assets (EBIT) 0.9% (5-year average) · Operating margin 27.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 60 out of 100 (low confidence).

What moves the price

The share trades about 2% below its 52-week high and 21% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −2%, PGNN screens cheaper than that median.

Fair Value models

Bear $12.83 Fair Value $14.21 Bull $17.50
Price $14.50 · Downside -2.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.46 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $12.83 $14.21 $17.50 71
P/E Multiple $16.64 $22.18 $27.73 63
P/B Multiple $9.43 $12.57 $15.71 55
All 4 models by family
Multiples
P/E Multiple $16.64 $22.18 $27.73 63
P/B Multiple $9.43 $12.57 $15.71 55
Asset-Based
NCAV (Graham) $7.51 $10.06 $15.02 54
Economic Profit
Residual Income $12.83 $14.21 $17.50 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 54/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 28
How much profit the company makes from its sales and capital
Quality Growth 70
Are margins and returns getting better?
Cashflow 70
Do the profits arrive as real cash?
Financial strength 3
Debt, balance sheet and risk of trouble
Investment 62
Does it invest with discipline instead of growing at any price?
Low Volatility 100
How calm the share price moves, does not count
Price momentum 53
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 74
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 87/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+7.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+30.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.1%
Start year 2020 (pandemic)
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.3%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+17.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+17.2%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.17% → 18%
2025 sits 92% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 54 · Below median
Fair Value upside −2.0% · Above median
Profitability
Return on equity (12 months) 11.4% · Above median
Return on assets 0.9% · Below median
Net margin (12 months) 21.0% · Bottom 25%
Operating margin (12 months) 27.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 5.2% · Below median
Dividend yield (12 months) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.09× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 8.5× · Cheapest 25%
P/B 0.94× · Cheaper than median
P/S (12 months) 1.76× · Cheapest 25%
Price / free cash flow (fiscal year) 7.0× · Cheaper than median
EV/EBITDA 5.4× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)31 · sector 8
FUTURE (revenue growth)26 · sector 47
PAST (return on equity)45 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 52

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.62 ¥7.59 +35% vs PGNN
China Merchants Bank Co 600036 ¥43.01 ¥52.73 +23% vs PGNN
BNP Paribas SA BNP €93.98 €106.01 +13% vs PGNN
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs PGNN
State Bank of India SBIN ₹1,042 ₹736.65 −29% vs PGNN
UniCredit S.p.A UCG €76.80 €50.44 −34% vs PGNN
Mizuho Financial Group MFG $9.40 $5.89 −37% vs PGNN
DBS Group D05 69.72 SGD 40.39 SGD −42% vs PGNN
HDFC Bank Limited HDFCBANK ₹798.15 ₹406.39 −49% vs PGNN
ICICI Bank Limited ICICIBANK ₹1,589 ₹615.63 −61% vs PGNN

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Paragon Financial Solutions Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Paragon Financial Solutions Inc Fair Value". https://www.fairvalue-calculator.com/stock/PGNN

Frequently asked questions

Is Paragon Financial Solutions Inc (PGNN) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $14.21 versus a price of $14.50, about 2% lower (fairly valued).
What is the fair value of PGNN?
Our model-based fair value for Paragon Financial Solutions Inc is $14.21 (as of Nov 4, 2026), built from audited fundamentals. The current price: $14.50.
What is the quality score of PGNN?
Paragon Financial Solutions Inc has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Paragon Financial Solutions Inc (PGNN)?
Our model-based price target is the fair value of $14.21 (as of Nov 4, 2026) from 4 valuation models. Cautious scenario $12.83, optimistic scenario $17.50. It is a calculation from audited fundamentals, not an analyst target.
What is the Paragon Financial Solutions Inc stock forecast for 2026?
Our models put fair value at $14.21, about 2% lower versus a price of $14.50 (fairly valued). Cautious scenario $12.83, optimistic scenario $17.50. The calculation is refreshed regularly with new filings.
What is the revenue of Paragon Financial Solutions Inc (PGNN)?
Paragon Financial Solutions Inc reported trailing-twelve-month revenue of about $37.1M (latest available figure, as of Nov 4, 2026).
What is the intrinsic value of Paragon Financial Solutions Inc (PGNN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Paragon Financial Solutions Inc it is $14.21 per share (as of Nov 4, 2026), against a price of $14.50. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Paragon Financial Solutions Inc stock overvalued or undervalued in 2026?
As of Nov 4, 2026, PGNN trades above its calculated fair value: price $14.50, fair value $14.21, a gap of about −2% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PGNN?
No. The price is what the market pays today ($14.50); the fair value is what the company's own numbers justify ($14.21). For Paragon Financial Solutions Inc the two are $0.2900 per share apart. That gap is exactly why we show both numbers side by side.
How much is Paragon Financial Solutions Inc worth?
The market values Paragon Financial Solutions Inc at about $65.4M (market capitalisation, as of Nov 4, 2026). Per share that is $14.50; our models calculate a fair value of $14.21 per share.
What do the bullish and bearish scenarios say about PGNN?
Our models span a range for Paragon Financial Solutions Inc: cautious scenario $12.83, base $14.21, optimistic $17.50 per share (as of Nov 4, 2026, price $14.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PGNN?
Paragon Financial Solutions Inc trades at a price-to-earnings ratio of 8.5 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $14.21 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings: 12.5. Other multiples: P/B 0.9, P/S 1.8, EV/EBITDA 5.4.
How solid is the balance sheet of Paragon Financial Solutions Inc (PGNN)?
Balance-sheet figures for Paragon Financial Solutions Inc (as of Nov 4, 2026): return on equity 11.4%, debt of 0.09 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is PGNN from its 52-week high?
Paragon Financial Solutions Inc trades at $14.50, about 2% below its 52-week high of $14.75 and 21% above the low of $12.00 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $14.21 is for.
Which stocks are comparable to Paragon Financial Solutions Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Paragon Financial Solutions Inc stock attractive at the current price?
The data as of Nov 4, 2026: price $14.50, calculated fair value $14.21 (−2%), Quality Score 54/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PGNN calculated?
We run Paragon Financial Solutions Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $14.21 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Paragon Financial Solutions Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Paragon Financial Solutions Inc (PGNN)?
The closing price on Nov 6, 2026 was $14.50. Our model-based fair value is $14.21, about 2% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Paragon Financial Solutions Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Paragon Financial Solutions Inc

How large is the market capitalisation of Paragon Financial Solutions Inc (PGNN)?
The market capitalisation of Paragon Financial Solutions Inc is $65.4M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Paragon Financial Solutions Inc (PGNN)?
The price-to-sales ratio of Paragon Financial Solutions Inc is 1.76 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Paragon Financial Solutions Inc (PGNN)?
Earnings per share at Paragon Financial Solutions Inc are $1.70 (price ÷ EPS = P/E 8.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Paragon Financial Solutions Inc (PGNN)?
The net margin of Paragon Financial Solutions Inc is 21.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Paragon Financial Solutions Inc (PGNN)?
The return on equity (ROE) of Paragon Financial Solutions Inc is 11.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Paragon Financial Solutions Inc (PGNN)?
On an EBIT basis the return on assets of Paragon Financial Solutions Inc is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Paragon Financial Solutions Inc (PGNN)?
The operating margin of Paragon Financial Solutions Inc is 27.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Paragon Financial Solutions Inc (PGNN)?
Revenue at Paragon Financial Solutions Inc is growing +5.2% versus a year earlier (3y avg +30.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Paragon Financial Solutions Inc (PGNN) generate?
The free cash flow of Paragon Financial Solutions Inc is $9.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Paragon Financial Solutions Inc (PGNN) carry?
The net debt of Paragon Financial Solutions Inc is $42.5M (fiscal year 2025, ≈ 4.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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