Ledyard Financial GroupLFGP 60 Cyclically Adjusted PS Ratio is 1.71 as of Jul. 12, 2026, which is 22% above its 10-year median of 1.40. GuruFocus rates LFGP with a GF Scoreâ„¢ of 60/100 and a GF Valueâ„¢ of $20.50 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,306 Banks companies, Ledyard Financial Group ranks better than 80.86% on this metric.
The historical rank and industry rank for Ledyard Financial Group's Cyclically Adjusted PS Ratio or its related term are showing as below:
LFGP'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 1.23 Med: 1.4 Max: 1.71
Current: 1.71
During the past years, Ledyard Financial Group's highest Cyclically Adjusted PS Ratio was 1.71. The lowest was 1.23. And the median was 1.40.
LFGP's Cyclically Adjusted PS Ratio is ranked better than 80.86% of 1306
companies
in the Banks industry
Industry Median: 3.34
vs LFGP: 1.71
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
Ledyard Financial Group's adjusted revenue per share data for the three months ended in Mar. 2026 was $3.468. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $11.33 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Ledyard Financial Group (OTCPK:LFGP) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
Ledyard Financial Group Cyclically Adjusted PS Ratio Related Terms
Ledyard Financial Group Cyclically Adjusted PS Ratio Historical Data
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The historical data trend for Ledyard Financial Group's Cyclically Adjusted PS Ratio can be seen below:
* 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.
Ledyard Financial Group Cyclically Adjusted PS Ratio Chart
LFGP vs CBAF, CEFC, FMFG: Cyclically Adjusted PS Ratio Comparison
For the Banks - Regional subindustry, Ledyard Financial Group's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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.
Ledyard Financial Group Cyclically Adjusted PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Ledyard Financial Group's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where Ledyard Financial Group's Cyclically Adjusted PS Ratio falls into.
Ledyard Financial Group Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
* 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.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PS Ratio of 1.71 mean?
Ledyard Financial Group (LFGP) has a Cyclically Adjusted PS Ratio of 1.71 as of Jul. 12, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Ledyard Financial Group and its competitors. This is 22% above median its historical median of 1.40. Over the past decade, Ledyard Financial Group's Cyclically Adjusted PS Ratio has ranged from 1.23 to 1.71. According to the industry distribution chart, Ledyard Financial Group ranks #250 out of 1306 companies in the Banks industry, placing it in the top 19.1%.
Is Ledyard Financial Group's Cyclically Adjusted PS Ratio too high?
Ledyard Financial Group's current Cyclically Adjusted PS Ratio of 1.71 is 22% above median its 10-year median of 1.40. Over the past 10 years, this metric has ranged from a low of 1.23 to a high of 1.71. The Banks industry median Cyclically Adjusted PS Ratio is 3.34. Ledyard Financial Group's value of 1.71 is 48.8% below this industry median. Based on the distribution chart, Ledyard Financial Group ranks #250 out of 1306 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Ledyard Financial Group has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ledyard Financial Group's Cyclically Adjusted PS Ratio compare to CBAF and CEFC?
According to the Banks industry distribution chart, Ledyard Financial Group ranks #250 out of 1306 companies for Cyclically Adjusted PS Ratio. This places Ledyard Financial Group in the top 19% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PS Ratio is 3.34. Ledyard Financial Group's value of 1.71 is 48.8% below this benchmark. Historically, Ledyard Financial Group's own Cyclically Adjusted PS Ratio has ranged from 1.23 to 1.71 over the past decade. While the company's 10-year median is 1.40 vs. the industry median of 3.34, Ledyard Financial Group 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 Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.34, based on 1,306 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ledyard Financial Group's current Cyclically Adjusted PS Ratio of 1.71 is 48.8% 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 Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Ledyard Financial Group and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ledyard Financial Group's current Cyclically Adjusted PS Ratio is 1.71, which is 22% above median its own 10-year median of 1.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ledyard Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Ledyard Financial Group (LFGP) is currently considered Fairly Valued. The stock's GF Value™ is $20.50, compared to a current price of $19.35 — trading 5.6% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 1.71, which is 22% above median its 10-year median of 1.40 and 48.8% below the Banks industry median of 3.34. Ledyard Financial Group's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Ledyard Financial Group (LFGP), the current Cyclically Adjusted PS Ratio is 1.71 as of Jul. 12, 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 Ledyard Financial Group (LFGP) Overvalued in 2026?
Based on GuruFocus' analysis, Ledyard Financial Group stock appears to be undervalued.
The current stock price of $19.35 is trading 5.6% below its estimated GF Value™ of $20.50.
GuruFocus considers Ledyard Financial Group to be Fairly Valued.
Key valuation signals for LFGP:
Cyclically Adjusted PS Ratio: 1.71 (22% above median its 10-year median of 1.40)
GF Value™: $20.50 vs. price of $19.35 (5.6% below fair value)
Industry Position: 48.8% below the Banks median (#250 of 1306)
No single metric tells the full story. See the LFGP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ledyard Financial Group Inc is a bank holding company. Through its banking subsidiary, it provides retail and commercial banking and wealth advisory services through office locations in New Hampshire and Vermont. The Group operates in two segments: Banking and Wealth Advisory Services. Maximum revenue is generated from the Banking segment, which principally consists of lending to commercial and consumer customers, as well as deposit gathering activities. Wealth Advisory Services segment includes, as its principal business lines, financial planning services, investment management services, personal tax services, trustee services, and estate planning.
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