Hamlin Bank and Trust CoHMLN 71 PS Ratio is 4.16 as of Jul. 02, 2026, which is 5% below its 10-year median of 4.39. GuruFocus rates HMLN with a GF Score™ of 71/100 and a GF Value™ of $273.67 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,517 Banks companies, Hamlin Bank and Trust Co ranks worse than 73.76% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Hamlin Bank and Trust Co's share price is $240.00.
Hamlin Bank and Trust Co's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $57.75. Hence, Hamlin Bank and Trust Co's PS Ratio for today is 4.16.
The historical rank and industry rank for Hamlin Bank and Trust Co's PS Ratio or its related term are showing as below:
HMLN'
s PS Ratio Range Over the Past 10 Years
Min: 3.41 Med: 4.39 Max: 12.44
Current: 4.16
During the past 12 years, Hamlin Bank and Trust Co's highest PS Ratio was 12.44. The lowest was 3.41. And the median was 4.39.
HMLN's PS Ratio is ranked worse than 73.76% of 1517
companies
in the Banks industry
Industry Median: 3
vs HMLN: 4.16
During the past 12 months, the average Revenue per Share Growth Rate of Hamlin Bank and Trust Co was 12.50% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 15.70% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 11.80% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 3.90% per year.
During the past 12 years, Hamlin Bank and Trust Co's highest 3-Year average Revenue per Share Growth Rate was 22.20% per year. The lowest was -14.50% per year. And the median was 5.30% per year.
Back to Basics: PS Ratio
Hamlin Bank and Trust Co (OTCPK:HMLN) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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.
For the Banks - Regional subindustry, Hamlin Bank and Trust Co's PS Ratio, along with its competitors' market caps and 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.
Hamlin Bank and Trust Co PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Hamlin Bank and Trust Co's PS Ratio distribution charts can be found below:
* The bar in red indicates where Hamlin Bank and Trust Co's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Hamlin Bank and Trust Co's Share Price of today is $240.00.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Hamlin Bank and Trust Co's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $57.75.
* 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.
It can also be calculated from the numbers for the whole company:
Hamlin Bank and Trust Co (HMLN) has a PS Ratio of 4.16 as of Jul. 02, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Hamlin Bank and Trust Co and its competitors. This is near median its historical median of 4.39. Over the past decade, Hamlin Bank and Trust Co's PS Ratio has ranged from 3.41 to 12.44. According to the industry distribution chart, Hamlin Bank and Trust Co ranks #1119 out of 1517 companies in the Banks industry, placing it in the top 73.8%.
Is Hamlin Bank and Trust Co's PS Ratio too high?
Hamlin Bank and Trust Co's current PS Ratio of 4.16 is near median its 10-year median of 4.39. Over the past 10 years, this metric has ranged from a low of 3.41 to a high of 12.44. The Banks industry median PS Ratio is 3.00. Hamlin Bank and Trust Co's value of 4.16 is 38.7% above this industry median. Based on the distribution chart, Hamlin Bank and Trust Co ranks #1119 out of 1517 companies in the Banks industry, which is below the industry midpoint. Overall, Hamlin Bank and Trust Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's PS Ratio compare to SOBS and BKOR?
According to the Banks industry distribution chart, Hamlin Bank and Trust Co ranks #1119 out of 1517 companies for PS Ratio. This places Hamlin Bank and Trust Co in the lower half of its industry. The industry median PS Ratio is 3.00. Hamlin Bank and Trust Co's value of 4.16 is 38.7% above this benchmark. Historically, Hamlin Bank and Trust Co's own PS Ratio has ranged from 3.41 to 12.44 over the past decade. While the company's 10-year median is 4.39 vs. the industry median of 3.00, Hamlin Bank and Trust Co has consistently been above 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.00, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hamlin Bank and Trust Co's current PS Ratio of 4.16 is 38.7% above 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Hamlin Bank and Trust Co and its competitors. For the Banks industry, the median PS Ratio is 3.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hamlin Bank and Trust Co's current PS Ratio is 4.16, which is near median its own 10-year median of 4.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $273.67, compared to a current price of $240.00 — trading 12.3% below its estimated fair value. The current PS Ratio is 4.16, which is near median its 10-year median of 4.39 and 38.7% above the Banks industry median of 3.00. Hamlin Bank and Trust Co's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Hamlin Bank and Trust Co (HMLN), the current PS Ratio is 4.16 as of Jul. 02, 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued.
The current stock price of $240.00 is trading 12.3% below its estimated GF Value™ of $273.67.
GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.
Key valuation signals for HMLN:
PS Ratio: 4.16 (near median its 10-year median of 4.39)
GF Value™: $273.67 vs. price of $240.00 (12.3% below fair value)
Industry Position: 38.7% above the Banks median (#1119 of 1517)
No single metric tells the full story. See the HMLN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
71GF Score
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