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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 Great American Bancorp's Debt-to-Equity or its related term are showing as below:
During the past 13 years, the highest Debt-to-Equity Ratio of Great American Bancorp was 0.22. The lowest was 0.22. And the median was 0.22.
GTPS's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.58 * Ranked among companies with meaningful Debt-to-Equity only.
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.
Great American Bancorp Debt-to-Equity Related Terms
Great American Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Great American Bancorp'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.
GTPS vs MNBO, CAIB, EBSH: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Great American Bancorp'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.
Great American Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Great American Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Great American Bancorp'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.
Great American Bancorp (GTPS) has a Debt-to-Equity of 0.00 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Great American Bancorp and its competitors. Over the past decade, Great American Bancorp's Debt-to-Equity has ranged from 0.22 to 0.22. According to the industry distribution chart, Great American Bancorp ranks #999999 out of 1422 companies in the Banks industry.
Is Great American Bancorp's Debt-to-Equity too high?
Great American Bancorp's current Debt-to-Equity is 0.00. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 0.22. Based on the distribution chart, Great American Bancorp ranks #999999 out of 1422 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Great American Bancorp has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Great American Bancorp's Debt-to-Equity compare to MNBO and CAIB?
According to the Banks industry distribution chart, Great American Bancorp ranks #999999 out of 1422 companies for Debt-to-Equity. This places Great American Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Historically, Great American Bancorp's own Debt-to-Equity has ranged from 0.22 to 0.22 over the past decade. 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 0.58, 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. 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 Great American Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Great American Bancorp's current Debt-to-Equity 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 Great American Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Great American Bancorp (GTPS) is currently considered Modestly Overvalued. The stock's GF Value™ is $64.97, compared to a current price of $72.80 — trading 12.1% above its estimated fair value. The current Debt-to-Equity is 0.00. Great American Bancorp's overall GF Score™ is 75/100 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Great American Bancorp (GTPS), the current Debt-to-Equity 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 Great American Bancorp (GTPS) Overvalued in 2026?
Based on GuruFocus' analysis, Great American Bancorp stock appears to be overvalued.
The current stock price of $72.80 is trading 12.1% above its estimated GF Value™ of $64.97.
GuruFocus considers Great American Bancorp to be Modestly Overvalued.
Key valuation signals for GTPS:
Debt-to-Equity: 0.00
GF Value™: $64.97 vs. price of $72.80 (12.1% above fair value)
No single metric tells the full story. See the GTPS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Great American Bancorp Inc is a holding company whose principal activity is the ownership and management of its wholly-owned subsidiary, First Federal Savings Bank of Champaign-Urbana (Bank). The Bank is engaged in providing a full range of banking and financial services to individual and corporate customers in Champaign County, Illinois. The Bank also provides full-service brokerage activities through a third-party broker-dealer and engages in the sale of tax-deferred annuities. The Bank's subsidiary offers insurance services to customers located in Illinois.
75GF Score
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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