Is Marcus Banks [Black Refractor] #123 worth grading?

Basketball · Basketball Cards 2003 Topps Chrome · full price guide →

Worth grading — even a PSA 9 beats raw

A Grade 9.5 Marcus Banks [Black Refractor] #123 sells for $42.00 against $3.56 raw: a $38.44 spread, 12× the ungraded price. Even a PSA 9 ($38.53) clears the raw price after an economy-tier ~$25 fee, so a near-miss still comes out ahead. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.

Raw (NM): $3.56
Grade 9.5: $42.00
PSA 9: $38.53
Gem premium: 12×
As of: Sep 3, 2026

Break-even by outcome and fee

Marcus Banks [Black Refractor] #123: net result of grading versus selling raw, by outcome and fee tier
If it comes back…	Sells for	Economy / bulk (~$25.00)	Standard (~$50.00)	Express (~$150)
Gem — Grade 9.5	$42.00	+$13.44	−$11.56	−$112
PSA 9	$38.53	+$9.97	−$15.03	−$115
PSA 8	$9.50	−$19.06	−$44.06	−$144

Net = sale price − $3.56 raw value − fee. Fee tiers are illustrative; plug your grader's current price into the calculator below.

Expected value — how often does it need to gem?

Marcus Banks [Black Refractor] #123: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$39.40	−$14.16
50%	$40.27	−$13.30
75%	$41.13	−$12.43

At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.

Full grade ladder

Raw conditions & history →

Marcus Banks [Black Refractor] #123 graded prices by company and grade
Grade	Graded
9.5	$42.00
9	$38.53
8	$9.50

Run your own numbers

Should I pay this?

Asking priceGrading fee

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