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Merchants Financial GroupMFGI 49 PS Ratio is 2.58 as of Jul. 31, 2026, which is 37% above its 10-year median of 1.88. GuruFocus rates MFGI with a GF Score™ of 49/100 and a GF Value™ of $28.33 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,516 Banks companies, Merchants Financial Group ranks better than 59.1% 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, Merchants Financial Group's share price is $41.35.
Merchants Financial Group's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 was $16.03. Hence, Merchants Financial Group's PS Ratio for today is 2.58.
Warning Sign:
Merchants Financial Group Inc stock PS Ratio (=2.67) is close to 3-year high of 2.67.
The historical rank and industry rank for Merchants Financial Group's PS Ratio or its related term are showing as below:
MFGI'
s PS Ratio Range Over the Past 10 Years
Min: 1.54 Med: 1.88 Max: 8.53
Current: 2.67
During the past 7 years, Merchants Financial Group's highest PS Ratio was 8.53. The lowest was 1.54. And the median was 1.88.
MFGI's PS Ratio is ranked better than 59.1% of 1516
companies
in the Banks industry
Industry Median: 3.06
vs MFGI: 2.67
During the past 7 years, Merchants Financial Group's highest 3-Year average Revenue per Share Growth Rate was 6.20% per year. The lowest was -3.40% per year. And the median was 0.35% per year.
Merchants Financial Group (OTCPK:MFGI) 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.
Merchants Financial Group PS Ratio Related Terms
Merchants Financial Group PS Ratio 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.
For the Banks - Regional subindustry, Merchants Financial Group'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.
Merchants Financial Group PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Merchants Financial Group's PS Ratio distribution charts can be found below:
* The bar in red indicates where Merchants Financial Group'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.
Merchants Financial Group's Share Price of today is $41.35. Merchants Financial Group's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $16.03.
* 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:
Merchants Financial Group (MFGI) has a PS Ratio of 2.58 as of Jul. 31, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Merchants Financial Group and its competitors. This is 37% above median its historical median of 1.88. Over the past decade, Merchants Financial Group's PS Ratio has ranged from 1.54 to 8.53. According to the industry distribution chart, Merchants Financial Group ranks #620 out of 1516 companies in the Banks industry, placing it in the top 40.9%.
Is Merchants Financial Group's PS Ratio too high?
Merchants Financial Group's current PS Ratio of 2.58 is 37% above median its 10-year median of 1.88. Over the past 10 years, this metric has ranged from a low of 1.54 to a high of 8.53. The Banks industry median PS Ratio is 3.06. Merchants Financial Group's value of 2.58 is 15.7% below this industry median. Based on the distribution chart, Merchants Financial Group ranks #620 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, Merchants Financial Group has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Merchants Financial Group's PS Ratio compare to BFCC and TSBK?
According to the Banks industry distribution chart, Merchants Financial Group ranks #620 out of 1516 companies for PS Ratio. This puts Merchants Financial Group in the upper half of its industry. The industry median PS Ratio is 3.06. Merchants Financial Group's value of 2.58 is 15.7% below this benchmark. Historically, Merchants Financial Group's own PS Ratio has ranged from 1.54 to 8.53 over the past decade. While the company's 10-year median is 1.88 vs. the industry median of 3.06, Merchants 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.06, based on 1,516 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. Merchants Financial Group's current PS Ratio of 2.58 is 15.7% 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 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 Merchants Financial Group and its competitors. For the Banks industry, the median PS Ratio is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Merchants Financial Group's current PS Ratio is 2.58, which is 37% above median its own 10-year median of 1.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Merchants Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Merchants Financial Group (MFGI) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.33, compared to a current price of $41.35 — trading 46% above its estimated fair value. The current PS Ratio is 2.58, which is 37% above median its 10-year median of 1.88 and 15.7% below the Banks industry median of 3.06. Merchants Financial Group's overall GF Score™ is 49/100 with 4 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 Merchants Financial Group (MFGI), the current PS Ratio is 2.58 as of Jul. 31, 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 Merchants Financial Group (MFGI) Overvalued in 2026?
Based on GuruFocus' analysis, Merchants Financial Group stock appears to be overvalued.
The current stock price of $41.35 is trading 46% above its estimated GF Value™ of $28.33.
GuruFocus considers Merchants Financial Group to be Significantly Overvalued.
Key valuation signals for MFGI:
PS Ratio: 2.58 (37% above median its 10-year median of 1.88)
GF Value™: $28.33 vs. price of $41.35 (46% above fair value)
Industry Position: 15.7% below the Banks median (#620 of 1516)
No single metric tells the full story. See the MFGI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Merchants Financial Group Inc is a bank holding company. Through its banking subsidiary, it provides retail, commercial loans, and deposit services to individual as well as business customers. The various products and services offered by the Group include business credit cards, treasury management services, online and mobile banking services, different types of loans, checking accounts, saving accounts, digital wallet, military banking services, mortgage loans, etc. These services are offered through a network of branch offices and a leasing division across Winona, Goodview, Rushford, Lanesboro, St. Charles, Rochester, La Crescent, Caledonia, Spring Grove, and other locations in the USA.
49GF Score
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