Mercer BancorpMSBB -0.31%35 PS Ratio is 2.54 as of Jun. 30, 2026, which is 20% above its 10-year median of 2.12. GuruFocus rates MSBB with a GF Score™ of 35/100 and a GF Value™ of $16.89 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,519 Banks companies, Mercer Bancorp ranks better than 61.09% 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, Mercer Bancorp's share price is $19.50.
Mercer Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $7.67. Hence, Mercer Bancorp's PS Ratio for today is 2.54.
Warning Sign:
Mercer Bancorp Inc stock PS Ratio (=2.55) is close to 3-year high of 2.55.
The historical rank and industry rank for Mercer Bancorp's PS Ratio or its related term are showing as below:
MSBB'
s PS Ratio Range Over the Past 10 Years
Min: 1.86 Med: 2.12 Max: 2.55
Current: 2.54
During the past 4 years, Mercer Bancorp's highest PS Ratio was 2.55. The lowest was 1.86. And the median was 2.12.
MSBB's PS Ratio is ranked better than 61.09% of 1519
companies
in the Banks industry
Industry Median: 2.97
vs MSBB: 2.54
During the past 12 months, the average Revenue per Share Growth Rate of Mercer Bancorp was 8.60% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 14.50% per year.
During the past 4 years, Mercer Bancorp's highest 3-Year average Revenue per Share Growth Rate was 14.50% per year. The lowest was 14.50% per year. And the median was 14.50% per year.
Back to Basics: PS Ratio
Mercer Bancorp (OTCPK:MSBB) 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.
Mercer Bancorp PS Ratio Related Terms
Mercer Bancorp PS Ratio Historical Data
* Premium members only.
The historical data trend for Mercer Bancorp's 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.
For the Banks - Regional subindustry, Mercer Bancorp'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.
Mercer Bancorp PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Mercer Bancorp's PS Ratio distribution charts can be found below:
* The bar in red indicates where Mercer Bancorp'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.
Mercer Bancorp's Share Price of today is $19.50. Mercer Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $7.67.
* 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:
Mercer Bancorp (MSBB) has a PS Ratio of 2.54 as of Jun. 30, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Mercer Bancorp and its competitors. This is 20% above median its historical median of 2.12. Over the past decade, Mercer Bancorp's PS Ratio has ranged from 1.86 to 2.55. According to the industry distribution chart, Mercer Bancorp ranks #591 out of 1519 companies in the Banks industry, placing it in the top 38.9%.
Is Mercer Bancorp's PS Ratio too high?
Mercer Bancorp's current PS Ratio of 2.54 is 20% above median its 10-year median of 2.12. Over the past 10 years, this metric has ranged from a low of 1.86 to a high of 2.55. The Banks industry median PS Ratio is 2.97. Mercer Bancorp's value of 2.54 is 14.5% below this industry median. Based on the distribution chart, Mercer Bancorp ranks #591 out of 1519 companies in the Banks industry, which is above the industry midpoint. Overall, Mercer Bancorp has a GF Score™ of 35/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mercer Bancorp's PS Ratio compare to MFDB and LOGN?
According to the Banks industry distribution chart, Mercer Bancorp ranks #591 out of 1519 companies for PS Ratio. This puts Mercer Bancorp in the upper half of its industry. The industry median PS Ratio is 2.97. Mercer Bancorp's value of 2.54 is 14.5% below this benchmark. Historically, Mercer Bancorp's own PS Ratio has ranged from 1.86 to 2.55 over the past decade. While the company's 10-year median is 2.12 vs. the industry median of 2.97, Mercer Bancorp 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 2.97, based on 1,519 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. Mercer Bancorp's current PS Ratio of 2.54 is 14.5% 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 Mercer Bancorp and its competitors. For the Banks industry, the median PS Ratio is 2.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mercer Bancorp's current PS Ratio is 2.54, which is 20% above median its own 10-year median of 2.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mercer Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mercer Bancorp (MSBB) is currently considered Modestly Overvalued. The stock's GF Value™ is $16.89, compared to a current price of $19.50 — trading 15.5% above its estimated fair value. The current PS Ratio is 2.54, which is 20% above median its 10-year median of 2.12 and 14.5% below the Banks industry median of 2.97. Mercer Bancorp's overall GF Score™ is 35/100 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 Mercer Bancorp (MSBB), the current PS Ratio is 2.54 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 Mercer Bancorp (MSBB) Overvalued in 2026?
Based on GuruFocus' analysis, Mercer Bancorp stock appears to be overvalued.
The current stock price of $19.50 is trading 15.5% above its estimated GF Value™ of $16.89.
GuruFocus considers Mercer Bancorp to be Modestly Overvalued.
Key valuation signals for MSBB:
PS Ratio: 2.54 (20% above median its 10-year median of 2.12)
GF Value™: $16.89 vs. price of $19.50 (15.5% above fair value)
Industry Position: 14.5% below the Banks median (#591 of 1519)
No single metric tells the full story. See the MSBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mercer Bancorp Inc operates as a full-service bank. It offers deposits, loans, and other services. The loan portfolio consists of residential mortgage loans secured by one- to four-family residential properties and agricultural real estate loans secured by farmland located in the primary market area. It also operates in multifamily real estate loans, commercial real estate loans, construction and land loans, home equity lines of credit, commercial and industrial loans, and consumer loans. Geographically, it operates in Mercer and Darke Counties in western Ohio and contiguous areas, including Adams and Jay Counties in eastern Indiana.
35GF Score
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