SCYT (Security Bancorp) Cyclically Adjusted PS Ratio: (As of Sep. 17, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

SCYT Security Bancorp Inc SCYT
55 GF Score
Price $120.00
GF Value $90.12
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Security Bancorp Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Security Bancorp  (OTCPK:SCYT) 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.


Security Bancorp Cyclically Adjusted PS Ratio Related Terms


Security Bancorp Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Security Bancorp'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.

Security Bancorp Cyclically Adjusted PS Ratio Chart

Security Bancorp Annual Data
Trend Dec00 Dec01 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Security Bancorp Quarterly Data
Dec99 Jun00 Dec00 Jun01 Dec01 Jun02 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25 Jun26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.60 2.55 2.56 3.13 3.68

SCYT vs ESBS, SSBP, HCBC: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, Security Bancorp'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.


Security Bancorp Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Security Bancorp's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Security Bancorp's Cyclically Adjusted PS Ratio falls into.


SCYT
55GF Score
Security Bancorp Inc SCYT
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Security Bancorp 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.

Security Bancorp's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec25 is calculated as:

For example, Security Bancorp's adjusted Revenue per Share data for the fiscal year that ended in Dec25 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Dec25 (Change)*Current CPI (Dec25)
=39.787/324.0540*324.0540
=39.787

Current CPI (Dec25) = 324.0540.

Security Bancorp Annual Data

Revenue per Share CPI Adj_RevenuePerShare
200012 10.137 174.000 18.879
200112 11.136 176.700 20.423
201812 23.047 251.233 29.727
201912 24.503 256.974 30.899
202012 24.383 260.474 30.335
202112 26.247 278.802 30.507
202212 28.343 296.797 30.946
202312 30.079 306.746 31.776
202412 36.247 315.605 37.217
202512 39.787 324.054 39.787

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

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.

Is Security Bancorp (SCYT) Overvalued in 2026?

Based on GuruFocus' analysis, Security Bancorp stock appears to be overvalued. The current stock price of $120.00 is trading 33.2% above its estimated GF Value™ of $90.12. GuruFocus considers Security Bancorp to be Significantly Overvalued.

Key valuation signals for SCYT:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: $90.12 vs. price of $120.00 (33.2% above fair value)
  • GF Score™: 55/100 with 5 warning signs

No single metric tells the full story. See the SCYT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Security Bancorp Business Description

Address 306 West Main Street, Mcminnville, TN, USA, 37110
Security Bancorp Inc is a bank holding company. The company is a community-oriented financial institution organized to address the needs of McMinnville and Warren County. It is engaged in attracting deposits from the general public and using those funds to originate one to four-family mortgage loans. Its services include mobile banking, online banking, personal checking, business checking, savings accounts, CD's, and telephone banking.
55GF Score

Get the complete analysis for SCYT

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$120.00
Price
$90.12
GF Value