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Paragon Financial SolutionsPGNN +0.36%74 PS Ratio is 1.76 as of Jul. 30, 2026, which is 11% above its 10-year median of 1.59. GuruFocus rates PGNN with a GF Score™ of 74/100 and a GF Value™ of $12.12 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,516 Banks companies, Paragon Financial Solutions ranks better than 79.42% 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, Paragon Financial Solutions's share price is $14.10.
Paragon Financial Solutions's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $8.03. Hence, Paragon Financial Solutions's PS Ratio for today is 1.76.
Warning Sign:
Paragon Financial Solutions Inc stock PS Ratio (=1.71) is close to 3-year high of 1.71.
The historical rank and industry rank for Paragon Financial Solutions's PS Ratio or its related term are showing as below:
PGNN'
s PS Ratio Range Over the Past 10 Years
Min: 1.23 Med: 1.59 Max: 8.84
Current: 1.76
During the past 12 years, Paragon Financial Solutions's highest PS Ratio was 8.84. The lowest was 1.23. And the median was 1.59.
PGNN's PS Ratio is ranked better than 79.42% of 1516
companies
in the Banks industry
Industry Median: 3.065
vs PGNN: 1.76
Paragon Financial Solutions Inc has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of Paragon Financial Solutions was 9.50% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 13.90% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 13.60% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 11.00% per year.
During the past 12 years, Paragon Financial Solutions's highest 3-Year average Revenue per Share Growth Rate was 48.80% per year. The lowest was 0.10% per year. And the median was 12.00% per year.
Back to Basics: PS Ratio
Paragon Financial Solutions (OTCPK:PGNN) 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.
Paragon Financial Solutions PS Ratio Related Terms
Paragon Financial Solutions 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, Paragon Financial Solutions'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.
Paragon Financial Solutions PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Paragon Financial Solutions's PS Ratio distribution charts can be found below:
* The bar in red indicates where Paragon Financial Solutions'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.
Paragon Financial Solutions's Share Price of today is $14.10. Paragon Financial Solutions'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 $8.03.
* 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:
Paragon Financial Solutions (PGNN) has a PS Ratio of 1.76 as of Jul. 30, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Paragon Financial Solutions and its competitors. This is 11% above median its historical median of 1.59. Over the past decade, Paragon Financial Solutions' PS Ratio has ranged from 1.23 to 8.84. According to the industry distribution chart, Paragon Financial Solutions ranks #312 out of 1516 companies in the Banks industry, placing it in the top 20.6%.
Is Paragon Financial Solutions' PS Ratio too high?
Paragon Financial Solutions' current PS Ratio of 1.76 is 11% above median its 10-year median of 1.59. Over the past 10 years, this metric has ranged from a low of 1.23 to a high of 8.84. The Banks industry median PS Ratio is 3.07. Paragon Financial Solutions' value of 1.76 is 42.6% below this industry median. Based on the distribution chart, Paragon Financial Solutions ranks #312 out of 1516 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Paragon Financial Solutions has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Paragon Financial Solutions' PS Ratio compare to STBI and FBVI?
According to the Banks industry distribution chart, Paragon Financial Solutions ranks #312 out of 1516 companies for PS Ratio. This places Paragon Financial Solutions in the top 21% of its industry — outperforming the majority of peers. The industry median PS Ratio is 3.07. Paragon Financial Solutions' value of 1.76 is 42.6% below this benchmark. Historically, Paragon Financial Solutions' own PS Ratio has ranged from 1.23 to 8.84 over the past decade. While the company's 10-year median is 1.59 vs. the industry median of 3.07, Paragon Financial Solutions 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 3.07, 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. Paragon Financial Solutions's current PS Ratio of 1.76 is 42.6% 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 Paragon Financial Solutions and its competitors. For the Banks industry, the median PS Ratio is 3.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paragon Financial Solutions's current PS Ratio is 1.76, which is 11% above median its own 10-year median of 1.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paragon Financial Solutions stock overvalued right now?
Based on GuruFocus' analysis, Paragon Financial Solutions (PGNN) is currently considered Modestly Overvalued. The stock's GF Value™ is $12.12, compared to a current price of $14.10 — trading 16.3% above its estimated fair value. The current PS Ratio is 1.76, which is 11% above median its 10-year median of 1.59 and 42.6% below the Banks industry median of 3.07. Paragon Financial Solutions' overall GF Score™ is 74/100 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 Paragon Financial Solutions (PGNN), the current PS Ratio is 1.76 as of Jul. 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 Paragon Financial Solutions (PGNN) Overvalued in 2026?
Based on GuruFocus' analysis, Paragon Financial Solutions stock appears to be overvalued.
The current stock price of $14.10 is trading 16.3% above its estimated GF Value™ of $12.12.
GuruFocus considers Paragon Financial Solutions to be Modestly Overvalued.
Key valuation signals for PGNN:
PS Ratio: 1.76 (11% above median its 10-year median of 1.59)
GF Value™: $12.12 vs. price of $14.10 (16.3% above fair value)
Industry Position: 42.6% below the Banks median (#312 of 1516)
No single metric tells the full story. See the PGNN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Paragon Financial Solutions Inc is a bank that provides financial services to its customers in Tennessee; Mississippi; Georgia; and North Carolina. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate.
74GF Score
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