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BankFirst CapitalBFCC -0.38%68 Debt-to-Equity is 0.10 as of Mar. 2026, which is 71% below its 10-year median of 0.34. GuruFocus rates BFCC with a GF Score™ of 68/100 and a GF Value™ of $46.27 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,422 Banks companies, BankFirst Capital ranks better than 88.68% on this metric.
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 BankFirst Capital's Debt-to-Equity or its related term are showing as below:
BFCC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.07 Med: 0.34 Max: 1.26
Current: 0.1
During the past 10 years, the highest Debt-to-Equity Ratio of BankFirst Capital was 1.26. The lowest was 0.07. And the median was 0.34.
BFCC's Debt-to-Equity is ranked better than 88.68% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs BFCC: 0.10
BankFirst Capital (OTCPK:BFCC) Debt-to-Equity Explanation
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.
BankFirst Capital Debt-to-Equity Related Terms
BankFirst Capital Debt-to-Equity Historical Data
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The historical data trend for BankFirst Capital'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.
BFCC vs MFGI, CSHX, COSO: Debt-to-Equity Comparison
For the Banks - Regional subindustry, BankFirst Capital'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.
BankFirst Capital Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, BankFirst Capital's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where BankFirst Capital's Debt-to-Equity falls into.
* 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.
BankFirst Capital (BFCC) has a Debt-to-Equity of 0.10 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BankFirst Capital and its competitors. This is 71% below median its historical median of 0.34. Over the past decade, BankFirst Capital's Debt-to-Equity has ranged from 0.07 to 1.26. According to the industry distribution chart, BankFirst Capital ranks #161 out of 1422 companies in the Banks industry, placing it in the top 11.3%.
Is BankFirst Capital's Debt-to-Equity too high?
BankFirst Capital's current Debt-to-Equity of 0.10 is 71% below median its 10-year median of 0.34. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 1.26. The Banks industry median Debt-to-Equity is 0.57. BankFirst Capital's value of 0.10 is 82.5% below this industry median. Based on the distribution chart, BankFirst Capital ranks #161 out of 1422 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BankFirst Capital has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BankFirst Capital's Debt-to-Equity compare to MFGI and CSHX?
According to the Banks industry distribution chart, BankFirst Capital ranks #161 out of 1422 companies for Debt-to-Equity. This places BankFirst Capital in the top 11% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.57. BankFirst Capital's value of 0.10 is 82.5% below this benchmark. Historically, BankFirst Capital's own Debt-to-Equity has ranged from 0.07 to 1.26 over the past decade. While the company's 10-year median is 0.34 vs. the industry median of 0.57, BankFirst Capital 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BankFirst Capital's current Debt-to-Equity of 0.10 is 82.5% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BankFirst Capital and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BankFirst Capital's current Debt-to-Equity is 0.10, which is 71% below median its own 10-year median of 0.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BankFirst Capital stock overvalued right now?
Based on GuruFocus' analysis, BankFirst Capital (BFCC) is currently considered Significantly Overvalued. The stock's GF Value™ is $46.27, compared to a current price of $62.75 — trading 35.6% above its estimated fair value. The current Debt-to-Equity is 0.10, which is 71% below median its 10-year median of 0.34 and 82.5% below the Banks industry median of 0.57. BankFirst Capital's overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For BankFirst Capital (BFCC), the current Debt-to-Equity is 0.10 as of Mar. 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 BankFirst Capital (BFCC) Overvalued in 2026?
Based on GuruFocus' analysis, BankFirst Capital stock appears to be overvalued.
The current stock price of $62.75 is trading 35.6% above its estimated GF Value™ of $46.27.
GuruFocus considers BankFirst Capital to be Significantly Overvalued.
Key valuation signals for BFCC:
Debt-to-Equity: 0.10 (71% below median its 10-year median of 0.34)
GF Value™: $46.27 vs. price of $62.75 (35.6% above fair value)
Industry Position: 82.5% below the Banks median (#161 of 1422)
No single metric tells the full story. See the BFCC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BankFirst Capital Corp is a bank holding company whose principal activity is the ownership and management of its wholly-owned subsidiary. Through its subsidiary, the company is engaged in providing a full range of banking and financial services to individual and corporate customers in Mississippi and Alabama.
68GF Score
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