NMBF (NMB Finl) Debt-to-Asset : 0.00 (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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NMBF NMB Finl Corp NMBF
66 GF Score
Price $20.74
GF Value $14.70
Valuation Significantly Overvalued
! 4 Warning Signs
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What is NMB Finl Debt-to-Asset?

NMB Finl NMBF 66 Debt-to-Asset is 0.00 as of Dec. 2025. GuruFocus rates NMBF with a GF Score™ of 66/100 and a GF Value™ of $14.70 (Significantly Overvalued). The stock has 4 warning signs investors should review.

NMB Finl's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $0.00 Mil. NMB Finl's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $0.00 Mil. NMB Finl's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was $953.01 Mil. NMB Finl's debt to asset for the quarter that ended in Dec. 2025 was 0.00.

NMB Finl  (OTCPK:NMBF) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

NMB Finl Debt-to-Asset Related Terms

NMB Finl Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for NMB Finl's Debt-to-Asset 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.

NMB Finl Debt-to-Asset Chart

NMB Finl Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial 0.01 0.00 0.00 0.00 0.00

NMB Finl Semi-Annual Data
Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset Get a 7-Day Free Trial 0.01 0.00 0.00 0.00 0.00

NMBF vs BYLB, OXBC, HARL: Debt-to-Asset Comparison

For the Banks - Regional subindustry, NMB Finl's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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.

NMB Finl Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, NMB Finl's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where NMB Finl's Debt-to-Asset falls into.


NMBF
66GF Score
NMB Finl Corp NMBF
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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NMB Finl Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

NMB Finl's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 0) / 953.009
=0.00

NMB Finl's Debt-to-Asset for the quarter that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 0) / 953.009
=0.00

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.00 mean?
NMB Finl (NMBF) has a Debt-to-Asset of 0.00 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on NMB Finl and its competitors.
Is NMB Finl's Debt-to-Asset too high?
NMB Finl's current Debt-to-Asset is 0.00. Overall, NMB Finl has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NMB Finl's Debt-to-Asset compare to BYLB and OXBC?
NMB Finl's Debt-to-Asset of 0.00 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on NMB Finl and its competitors. NMB Finl's current Debt-to-Asset is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Finl stock overvalued right now?
Based on GuruFocus' analysis, NMB Finl (NMBF) is currently considered Significantly Overvalued. The stock's GF Value™ is $14.70, compared to a current price of $20.74 — trading 41.1% above its estimated fair value. The current Debt-to-Asset is 0.00. NMB Finl's overall GF Score™ is 66/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For NMB Finl (NMBF), the current Debt-to-Asset is 0.00 as of Dec. 2025. 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 NMB Finl (NMBF) Overvalued in 2026?

Based on GuruFocus' analysis, NMB Finl stock appears to be overvalued. The current stock price of $20.74 is trading 41.1% above its estimated GF Value™ of $14.70. GuruFocus considers NMB Finl to be Significantly Overvalued.

Key valuation signals for NMBF:

  • Debt-to-Asset: 0.00
  • GF Value™: $14.70 vs. price of $20.74 (41.1% above fair value)
  • GF Score™: 66/100 with 4 warning signs

No single metric tells the full story. See the NMBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

NMB Finl Business Description

Address 222 Bruce Reynolds Boulevard, Suite 400, Fort Lee, NJ, USA, 07024
NMB Finl Corp is a bank holding company of New Millennium Bank. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers at its New Brunswick and Somerset New Jersey locations. In addition, it also offers various other online banking services.
66GF Score

Get the complete analysis for NMBF

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.74
Price
$14.70
GF Value