Neffs BancorpNEFB -6.33%52 PS Ratio is 4.75 as of Jul. 06, 2026, which is 7% below its 10-year median of 5.13. GuruFocus rates NEFB with a GF Score™ of 52/100 and a GF Value™ of $274.11 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,519 Banks companies, Neffs Bancorp ranks worse than 81.7% 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, Neffs Bancorp's share price is $370.00.
Neffs Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $77.97. Hence, Neffs Bancorp's PS Ratio for today is 4.75.
The historical rank and industry rank for Neffs Bancorp's PS Ratio or its related term are showing as below:
NEFB'
s PS Ratio Range Over the Past 10 Years
Min: 2.64 Med: 5.13 Max: 10.58
Current: 4.75
During the past 13 years, Neffs Bancorp's highest PS Ratio was 10.58. The lowest was 2.64. And the median was 5.13.
NEFB's PS Ratio is ranked worse than 81.7% of 1519
companies
in the Banks industry
Industry Median: 3
vs NEFB: 4.75
Neffs Bancorp Inc revenue per share has been in decline over the past 3 years.
During the past 12 months, the average Revenue per Share Growth Rate of Neffs Bancorp was 11.40% per year.
During the past 3 years, the average Revenue per Share Growth Rate was -1.40% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 1.70% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 9.10% per year.
During the past 13 years, Neffs Bancorp's highest 3-Year average Revenue per Share Growth Rate was 24.70% per year. The lowest was -1.40% per year. And the median was 9.05% per year.
Back to Basics: PS Ratio
Neffs Bancorp (OTCPK:NEFB) 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.
Neffs Bancorp PS Ratio Related Terms
Neffs Bancorp PS Ratio Historical Data
* Premium members only.
The historical data trend for Neffs 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, Neffs 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.
Neffs Bancorp PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Neffs Bancorp's PS Ratio distribution charts can be found below:
* The bar in red indicates where Neffs 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.
Neffs Bancorp's Share Price of today is $370.00.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Neffs Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $77.97.
* 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:
Neffs Bancorp (NEFB) has a PS Ratio of 4.75 as of Jul. 06, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Neffs Bancorp and its competitors. This is near median its historical median of 5.13. Over the past decade, Neffs Bancorp's PS Ratio has ranged from 2.64 to 10.58. According to the industry distribution chart, Neffs Bancorp ranks #1241 out of 1519 companies in the Banks industry, placing it in the top 81.7%.
Is Neffs Bancorp's PS Ratio too high?
Neffs Bancorp's current PS Ratio of 4.75 is near median its 10-year median of 5.13. Over the past 10 years, this metric has ranged from a low of 2.64 to a high of 10.58. The Banks industry median PS Ratio is 3.00. Neffs Bancorp's value of 4.75 is 58.3% above this industry median. Based on the distribution chart, Neffs Bancorp ranks #1241 out of 1519 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Neffs Bancorp has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Neffs Bancorp's PS Ratio compare to BBBK and STBI?
According to the Banks industry distribution chart, Neffs Bancorp ranks #1241 out of 1519 companies for PS Ratio. This places Neffs Bancorp in the lower half of its industry. The industry median PS Ratio is 3.00. Neffs Bancorp's value of 4.75 is 58.3% above this benchmark. Historically, Neffs Bancorp's own PS Ratio has ranged from 2.64 to 10.58 over the past decade. While the company's 10-year median is 5.13 vs. the industry median of 3.00, Neffs Bancorp 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 1,519 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. Neffs Bancorp's current PS Ratio of 4.75 is 58.3% 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 Neffs Bancorp 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. Neffs Bancorp's current PS Ratio is 4.75, which is near median its own 10-year median of 5.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Neffs Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Neffs Bancorp (NEFB) is currently considered Significantly Overvalued. The stock's GF Value™ is $274.11, compared to a current price of $370.00 — trading 35% above its estimated fair value. The current PS Ratio is 4.75, which is near median its 10-year median of 5.13 and 58.3% above the Banks industry median of 3.00. Neffs Bancorp's overall GF Score™ is 52/100 with 5 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 Neffs Bancorp (NEFB), the current PS Ratio is 4.75 as of Jul. 06, 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 Neffs Bancorp (NEFB) Overvalued in 2026?
Based on GuruFocus' analysis, Neffs Bancorp stock appears to be overvalued.
The current stock price of $370.00 is trading 35% above its estimated GF Value™ of $274.11.
GuruFocus considers Neffs Bancorp to be Significantly Overvalued.
Key valuation signals for NEFB:
PS Ratio: 4.75 (near median its 10-year median of 5.13)
GF Value™: $274.11 vs. price of $370.00 (35% above fair value)
Industry Position: 58.3% above the Banks median (#1241 of 1519)
No single metric tells the full story. See the NEFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Neffs Bancorp Inc provides a full range of financial services to individuals, small businesses and corporate customers. The Bank's primary deposits are checking accounts, savings accounts and certificates of deposit. The bank offers personal banking and commercial banking services. The primary source of revenue is interest and fees earned from providing residential mortgages, consumer loans and commercial loans to customers located within the Lehigh Valley of Pennsylvania.
52GF Score
Get the complete analysis for NEFB
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