This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Sterling Financial Holdings Co's Median PS Value or its related term are showing as below:
During the past 13 years, the highest Price to Median PS Value of Sterling Financial Holdings Co was 1.54. The lowest was 1.50. And the median was 1.52.
NSA:STERLINGNG's Price-to-Median-PS-Value is not ranked *
in the Banks industry.
Industry Median: 1.11 * Ranked among companies with meaningful Price-to-Median-PS-Value only.
Sterling Financial Holdings Co (NSA:STERLINGNG) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Sterling Financial Holdings Co's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
7.75
/
0.00
=
* 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.
Sterling Financial Holdings Co Median PS Value Related Terms
Sterling Financial Holdings Co Median PS Value 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.
Sterling Financial Holdings Co Median PS Value Chart
NSA:STERLINGNG vs PNC, USB: Median PS Value Comparison
For the Banks - Regional subindustry, Sterling Financial Holdings Co's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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.
Sterling Financial Holdings Co Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Sterling Financial Holdings Co's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Sterling Financial Holdings Co's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.
Sterling Financial Holdings Co's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was ₦6.082.
* 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.
Sterling Financial Holdings Co (NSA:STERLINGNG) has a Median PS Value of ₦0.00 as of Jun. 30, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Sterling Financial Holdings Co and its competitors. Over the past decade, Sterling Financial Holdings Co's Median PS Value has ranged from 1.50 to 1.54. According to the industry distribution chart, Sterling Financial Holdings Co ranks #999999 out of 1042 companies in the Banks industry.
Is Sterling Financial Holdings Co's Median PS Value too high?
Sterling Financial Holdings Co's current Median PS Value is ₦0.00. Over the past 10 years, this metric has ranged from a low of 1.50 to a high of 1.54. Based on the distribution chart, Sterling Financial Holdings Co ranks #999999 out of 1042 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sterling Financial Holdings Co has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sterling Financial Holdings Co's Median PS Value compare to PNC and USB?
According to the Banks industry distribution chart, Sterling Financial Holdings Co ranks #999999 out of 1042 companies for Median PS Value. This places Sterling Financial Holdings Co in the lower half of its industry. The industry median Median PS Value is 1.11. Historically, Sterling Financial Holdings Co's own Median PS Value has ranged from 1.50 to 1.54 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Sterling Financial Holdings Co and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sterling Financial Holdings Co's current Median PS Value is ₦0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sterling Financial Holdings Co stock overvalued right now?
Based on GuruFocus' analysis, Sterling Financial Holdings Co (NSA:STERLINGNG) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦5.66, compared to a current price of ₦7.75 — trading 36.9% above its estimated fair value. The current Median PS Value is ₦0.00. Sterling Financial Holdings Co's overall GF Score™ is 58/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Sterling Financial Holdings Co (NSA:STERLINGNG), the current Median PS Value is ₦0.00 as of Jun. 30, 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 Sterling Financial Holdings Co (NSA:STERLINGNG) Overvalued in 2026?
Based on GuruFocus' analysis, Sterling Financial Holdings Co stock appears to be overvalued.
The current stock price of ₦7.75 is trading 36.9% above its estimated GF Value™ of ₦5.66.
GuruFocus considers Sterling Financial Holdings Co to be Significantly Overvalued.
Key valuation signals for NSA:STERLINGNG:
Median PS Value: ₦0.00
GF Value™: ₦5.66 vs. price of ₦7.75 (36.9% above fair value)
No single metric tells the full story. See the NSA:STERLINGNG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sterling Financial Holdings Co Business Description
Sterling Financial Holdings Co PLC is a developer of a nonoperating financial holding structure designed to support and grow a diversified portfolio of banking and financial service companies. The company offers commercial banking, non-interest banking, and asset management through subsidiaries, enabling individuals, businesses, and institutions to access loans, trade finance, digital banking, and investment products. The Group has five reportable segments: Retail Banking, Commercial Banking, Institutional Banking, Corporate & Investment Banking, and Special Purpose Vehicle (SPV), which are the Bank's strategic business units.
58GF Score
Get the complete analysis for NSA:STERLINGNG
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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