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Ledyard Financial GroupLFGP +2.72%60 Debt-to-Equity is 1.41 as of Mar. 2026, which is 62% above its 10-year median of 0.87. GuruFocus rates LFGP with a GF Score™ of 60/100 and a GF Value™ of $20.58 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,418 Banks companies, Ledyard Financial Group ranks worse than 76.87% 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 Ledyard Financial Group's Debt-to-Equity or its related term are showing as below:
LFGP'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.08 Med: 0.87 Max: 2.74
Current: 1.41
During the past 13 years, the highest Debt-to-Equity Ratio of Ledyard Financial Group was 2.74. The lowest was 0.08. And the median was 0.87.
LFGP's Debt-to-Equity is ranked worse than 76.87% of 1418
companies
in the Banks industry
Industry Median: 0.57
vs LFGP: 1.41
Ledyard Financial Group (OTCPK:LFGP) 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.
Ledyard Financial Group Debt-to-Equity Related Terms
Ledyard Financial Group Debt-to-Equity Historical Data
* 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.
LFGP vs CBAF, CEFC, FMFG: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Ledyard Financial Group'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.
Ledyard Financial Group Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Ledyard Financial Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Ledyard Financial Group'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.
Ledyard Financial Group (LFGP) has a Debt-to-Equity of 1.41 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Ledyard Financial Group and its competitors. This is 62% above median its historical median of 0.87. Over the past decade, Ledyard Financial Group's Debt-to-Equity has ranged from 0.08 to 2.74. According to the industry distribution chart, Ledyard Financial Group ranks #1090 out of 1418 companies in the Banks industry, placing it in the top 76.9%.
Is Ledyard Financial Group's Debt-to-Equity too high?
Ledyard Financial Group's current Debt-to-Equity of 1.41 is 62% above median its 10-year median of 0.87. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 2.74. The Banks industry median Debt-to-Equity is 0.57. Ledyard Financial Group's value of 1.41 is 147.4% above this industry median. Based on the distribution chart, Ledyard Financial Group ranks #1090 out of 1418 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Ledyard Financial Group has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ledyard Financial Group's Debt-to-Equity compare to CBAF and CEFC?
According to the Banks industry distribution chart, Ledyard Financial Group ranks #1090 out of 1418 companies for Debt-to-Equity. This places Ledyard Financial Group in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Ledyard Financial Group's value of 1.41 is 147.4% above this benchmark. Historically, Ledyard Financial Group's own Debt-to-Equity has ranged from 0.08 to 2.74 over the past decade. While the company's 10-year median is 0.87 vs. the industry median of 0.57, Ledyard Financial Group has consistently been above 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 1,418 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. Ledyard Financial Group's current Debt-to-Equity of 1.41 is 147.4% above 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 Ledyard Financial Group 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. Ledyard Financial Group's current Debt-to-Equity is 1.41, which is 62% above median its own 10-year median of 0.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ledyard Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Ledyard Financial Group (LFGP) is currently considered Fairly Valued. The stock's GF Value™ is $20.58, compared to a current price of $20.75 — trading 0.8% above its estimated fair value. The current Debt-to-Equity is 1.41, which is 62% above median its 10-year median of 0.87 and 147.4% above the Banks industry median of 0.57. Ledyard Financial Group's overall GF Score™ is 60/100 with 7 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 Ledyard Financial Group (LFGP), the current Debt-to-Equity is 1.41 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 Ledyard Financial Group (LFGP) Overvalued in 2026?
Based on GuruFocus' analysis, Ledyard Financial Group stock appears to be overvalued.
The current stock price of $20.75 is trading 0.8% above its estimated GF Value™ of $20.58.
GuruFocus considers Ledyard Financial Group to be Fairly Valued.
Key valuation signals for LFGP:
Debt-to-Equity: 1.41 (62% above median its 10-year median of 0.87)
GF Value™: $20.58 vs. price of $20.75 (0.8% above fair value)
Industry Position: 147.4% above the Banks median (#1090 of 1418)
No single metric tells the full story. See the LFGP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ledyard Financial Group Inc is a bank holding company. Through its banking subsidiary, it provides retail and commercial banking and wealth advisory services through office locations in New Hampshire and Vermont. The Group operates in two segments: Banking and Wealth Advisory Services. Maximum revenue is generated from the Banking segment, which principally consists of lending to commercial and consumer customers, as well as deposit gathering activities. Wealth Advisory Services segment includes, as its principal business lines, financial planning services, investment management services, personal tax services, trustee services, and estate planning.
60GF Score
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