Perpetual Federalvings Bank (Perpetual Federalvings Bank) Debt-to-Equity : 1.01 (As of Sep. 2007)

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What is Perpetual Federalvings Bank Debt-to-Equity?

Perpetual Federalvings Bank's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2007 was $0.00 Mil. Perpetual Federalvings Bank's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2007 was $56.41 Mil. Perpetual Federalvings Bank's Total Stockholders Equity for the quarter that ended in Sep. 2007 was $55.98 Mil. Perpetual Federalvings Bank's debt to equity for the quarter that ended in Sep. 2007 was 1.01.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Perpetual Federalvings Bank's Debt-to-Equity or its related term are showing as below:

PFOH's Debt-to-Equity is not ranked ^*
in the Banks industry.
Industry Median: 0.65
* Ranked among companies with meaningful Debt-to-Equity only.

Perpetual Federalvings Bank Debt-to-Equity Historical Data

The historical data trend for Perpetual Federalvings Bank's Debt-to-Equity 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.

* Premium members only.

Perpetual Federalvings Bank Debt-to-Equity Chart

Perpetual Federalvings Bank Annual Data

Trend

Dec02

Sep04

Sep05

Sep06

Sep07

Debt-to-Equity

0.58

0.76

0.77

0.71

1.01

Perpetual Federalvings Bank Quarterly Data
	Mar03	Jun03	Sep03	Dec03	Mar04	Jun04	Sep04	Dec04	Mar05	Jun05	Sep05	Dec05	Mar06	Jun06	Sep06	Dec06	Mar07	Jun07	Sep07
Debt-to-Equity	Get a 7-Day Free Trial														0.71	0.75	0.68	0.85	1.01

Competitive Comparison of Perpetual Federalvings Bank's Debt-to-Equity

For the Banks - Regional subindustry, Perpetual Federalvings Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.

Perpetual Federalvings Bank's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Perpetual Federalvings Bank's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Perpetual Federalvings Bank's Debt-to-Equity falls into.

Perpetual Federalvings Bank Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Perpetual Federalvings Bank's Debt to Equity Ratio for the fiscal year that ended in Sep. 2007 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	56.407)	/	55.976
	=	1.01

Perpetual Federalvings Bank's Debt to Equity Ratio for the quarter that ended in Sep. 2007 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	56.407)	/	55.976
	=	1.01

Perpetual Federalvings Bank (OTCPK:PFOH) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Perpetual Federalvings Bank Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Perpetual Federalvings Bank's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

Perpetual Federalvings Bank (Perpetual Federalvings Bank) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Perpetual Federal Savings Bank (OTCPK:PFOH) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

120 North Main Street, P.O. Box 71, Urbana, OH, USA, 43078

Website

http://www.pfsb-urbana.com

Perpetual Federal Savings Bank is a United States-based commercial bank. It is engaged in providing general banking services. It attracts deposits from the general public and uses these deposits to originate permanent mortgage loans secured for residential property, commercial and real estate loans.

Perpetual Federalvings Bank (Perpetual Federalvings Bank) Headlines

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