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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 Morris State Bancshares's Debt-to-Equity or its related term are showing as below:
MBLU'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02 Med: 0.15 Max: 0.31
Current: 0.02
During the past 9 years, the highest Debt-to-Equity Ratio of Morris State Bancshares was 0.31. The lowest was 0.02. And the median was 0.15.
MBLU's Debt-to-Equity is not ranked
in the Banks industry.
Industry Median: 0.58
vs MBLU: 0.02
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.
Morris State Bancshares Debt-to-Equity Related Terms
Morris State Bancshares 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.
MBLU vs MSBC, FVCB, FCCO: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Morris State Bancshares'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.
Morris State Bancshares Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Morris State Bancshares's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Morris State Bancshares'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.
Morris State Bancshares (MBLU) has a Debt-to-Equity of 0.02 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Morris State Bancshares and its competitors. This is 87% below median its historical median of 0.15. Over the past decade, Morris State Bancshares' Debt-to-Equity has ranged from 0.02 to 0.31.
Is Morris State Bancshares' Debt-to-Equity too high?
Morris State Bancshares' current Debt-to-Equity of 0.02 is 87% below median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.31. The Banks industry median Debt-to-Equity is 0.58. Morris State Bancshares' value of 0.02 is 96.6% below this industry median. Overall, Morris State Bancshares has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Morris State Bancshares' Debt-to-Equity compare to MSBC and FVCB?
Morris State Bancshares' Debt-to-Equity of 0.02 can be compared against companies in the Banks industry. The industry median Debt-to-Equity is 0.58. Morris State Bancshares' value of 0.02 is 96.6% below this benchmark. Historically, Morris State Bancshares' own Debt-to-Equity has ranged from 0.02 to 0.31 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.58, Morris State Bancshares 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 0.58, based on 1,419 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. Morris State Bancshares's current Debt-to-Equity of 0.02 is 96.6% 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 Morris State Bancshares 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. Morris State Bancshares's current Debt-to-Equity is 0.02, which is 87% below median its own 10-year median of 0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Morris State Bancshares stock overvalued right now?
Morris State Bancshares (MBLU) has a current Debt-to-Equity of 0.02. The stock's GF Value™ is $24.47, compared to a current price of $25.00 — trading 2.2% above its estimated fair value. The current Debt-to-Equity is 0.02, which is 87% below median its 10-year median of 0.15 and 96.6% below the Banks industry median of 0.58. Morris State Bancshares' overall GF Score™ is 49/100 with 2 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 Morris State Bancshares (MBLU), the current Debt-to-Equity is 0.02 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 Morris State Bancshares (MBLU) Overvalued in 2026?
Based on GuruFocus' analysis, Morris State Bancshares stock appears to be overvalued.
The current stock price of $25.00 is trading 2.2% above its estimated GF Value™ of $24.47.
Key valuation signals for MBLU:
Debt-to-Equity: 0.02 (87% below median its 10-year median of 0.15)
GF Value™: $24.47 vs. price of $25.00 (2.2% above fair value)
No single metric tells the full story. See the MBLU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Morris State Bancshares Inc operates as a bank. It provides a variety of financial services to individuals and small businesses through its offices in middle Georgia. The Bank offers a full range of commercial and personal loan products. It makes loans to individuals for purposes such as home mortgage financing, personal vehicles and various consumer purchases, and other personal and family needs. Commercial loans are offered to businesses for purposes such as providing equipment and machinery purchases, commercial real estate purchases, and working capital. The Bank also provides a full range of deposit services that are typically available from financial institutions, including NOW accounts, demand, savings, and other time deposits.
49GF 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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