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NCB Financial GroupXJAM:NCBFG 60 Cyclically Adjusted PS Ratio is 0.97 as of Sep. 01, 2026, which is 18% below its 10-year median of 1.19. GuruFocus rates XJAM:NCBFG with a GF Score™ of 60/100 and a GF Value™ of JMD39.19 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 68 Diversified Financial Services companies, NCB Financial Group ranks better than 83.82% on this metric.
The historical rank and industry rank for NCB Financial Group's Cyclically Adjusted PS Ratio or its related term are showing as below:
XJAM:NCBFG'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.43 Med: 1.19 Max: 5.11
Current: 0.97
During the past years, NCB Financial Group's highest Cyclically Adjusted PS Ratio was 5.11. The lowest was 0.43. And the median was 1.19.
XJAM:NCBFG's Cyclically Adjusted PS Ratio is ranked better than 83.82% of 68
companies
in the Diversified Financial Services industry
Industry Median: 2.67
vs XJAM:NCBFG: 0.97
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.
NCB Financial Group's adjusted revenue per share data for the three months ended in Jun. 2026 was JMD13.474. 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 JMD71.46 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
NCB Financial Group (XJAM:NCBFG) 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.
NCB Financial Group Cyclically Adjusted PS Ratio Related Terms
NCB Financial Group Cyclically Adjusted PS Ratio Historical Data
* Premium members only.
The historical data trend for NCB 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.
NCB Financial Group Cyclically Adjusted PS Ratio Chart
XJAM:NCBFG vs FRHC, VOYA: Cyclically Adjusted PS Ratio Comparison
For the Financial Conglomerates subindustry, NCB 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.
NCB Financial Group Cyclically Adjusted PS Ratio vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, NCB Financial Group's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where NCB Financial Group's Cyclically Adjusted PS Ratio falls into.
NCB 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.
NCB Financial Group's Cyclically Adjusted PS Ratio for today is calculated as
* 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 0.97 mean?
NCB Financial Group (XJAM:NCBFG) has a Cyclically Adjusted PS Ratio of 0.97 as of Sep. 01, 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 NCB Financial Group and its competitors. This is 18% below median its historical median of 1.19. Over the past decade, NCB Financial Group's Cyclically Adjusted PS Ratio has ranged from 0.43 to 5.11. According to the industry distribution chart, NCB Financial Group ranks #11 out of 68 companies in the Diversified Financial Services industry, placing it in the top 16.2%.
Is NCB Financial Group's Cyclically Adjusted PS Ratio too high?
NCB Financial Group's current Cyclically Adjusted PS Ratio of 0.97 is 18% below median its 10-year median of 1.19. Over the past 10 years, this metric has ranged from a low of 0.43 to a high of 5.11. The Diversified Financial Services industry median Cyclically Adjusted PS Ratio is 2.67. NCB Financial Group's value of 0.97 is 63.7% below this industry median. Based on the distribution chart, NCB Financial Group ranks #11 out of 68 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, NCB Financial Group has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NCB Financial Group's Cyclically Adjusted PS Ratio compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, NCB Financial Group ranks #11 out of 68 companies for Cyclically Adjusted PS Ratio. This places NCB Financial Group in the top 16% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PS Ratio is 2.67. NCB Financial Group's value of 0.97 is 63.7% below this benchmark. Historically, NCB Financial Group's own Cyclically Adjusted PS Ratio has ranged from 0.43 to 5.11 over the past decade. While the company's 10-year median is 1.19 vs. the industry median of 2.67, NCB 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 Diversified Financial Services company?
The median Cyclically Adjusted PS Ratio among Diversified Financial Services companies is 2.67, based on 68 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. NCB Financial Group's current Cyclically Adjusted PS Ratio of 0.97 is 63.7% 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 NCB Financial Group and its competitors. For the Diversified Financial Services industry, the median Cyclically Adjusted PS Ratio is 2.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NCB Financial Group's current Cyclically Adjusted PS Ratio is 0.97, which is 18% below median its own 10-year median of 1.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NCB Financial Group stock overvalued right now?
Based on GuruFocus' analysis, NCB Financial Group (XJAM:NCBFG) is currently considered Significantly Overvalued. The stock's GF Value™ is JMD39.19, compared to a current price of JMD69.05 — trading 76.2% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 0.97, which is 18% below median its 10-year median of 1.19 and 63.7% below the Diversified Financial Services industry median of 2.67. NCB 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 NCB Financial Group (XJAM:NCBFG), the current Cyclically Adjusted PS Ratio is 0.97 as of Sep. 01, 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 NCB Financial Group (XJAM:NCBFG) Overvalued in 2026?
Based on GuruFocus' analysis, NCB Financial Group stock appears to be overvalued.
The current stock price of JMD69.05 is trading 76.2% above its estimated GF Value™ of JMD39.19.
GuruFocus considers NCB Financial Group to be Significantly Overvalued.
Key valuation signals for XJAM:NCBFG:
Cyclically Adjusted PS Ratio: 0.97 (18% below median its 10-year median of 1.19)
GF Value™: JMD39.19 vs. price of JMD69.05 (76.2% above fair value)
Industry Position: 63.7% below the Diversified Financial Services median (#11 of 68)
No single metric tells the full story. See the XJAM:NCBFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NCB Financial Group Ltd provides financial services. Its segments comprise Banking and Investment Activities which includes Consumer & SME Banking, Corporate and Commerical Banking, Payment services, Treasury and Correspondent banking, Wealth, Asset management, and Investment Banking; And Insurance Activities Life and Health Insurance and pension Management, and General Insurance. Maximum revenue is from Life and Health Insurance and pension Management sector, with maximum profit from Jamaica and Trinidad and Tobago.
60GF Score
Get the complete analysis for XJAM:NCBFG
Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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