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Mountain Pacific BancorpMPCB 69 Debt-to-Equity is 0.97 as of Jun. 2026, which is 7% below its 10-year median of 1.04. GuruFocus rates MPCB with a GF Score™ of 69/100 and a GF Value™ of $15.20 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,421 Banks companies, Mountain Pacific Bancorp ranks worse than 66.71% 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 Mountain Pacific Bancorp's Debt-to-Equity or its related term are showing as below:
MPCB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.26 Med: 1.04 Max: 1.63
Current: 0.97
During the past 7 years, the highest Debt-to-Equity Ratio of Mountain Pacific Bancorp was 1.63. The lowest was 0.26. And the median was 1.04.
MPCB's Debt-to-Equity is ranked worse than 66.71% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs MPCB: 0.97
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.
Mountain Pacific Bancorp Debt-to-Equity Related Terms
Mountain Pacific Bancorp 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.
MPCB vs KTHN, HARL, FNWB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Mountain Pacific 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.
Mountain Pacific Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Mountain Pacific Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Mountain Pacific 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.
Mountain Pacific Bancorp (MPCB) has a Debt-to-Equity of 0.97 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Mountain Pacific Bancorp and its competitors. This is near median its historical median of 1.04. Over the past decade, Mountain Pacific Bancorp's Debt-to-Equity has ranged from 0.26 to 1.63. According to the industry distribution chart, Mountain Pacific Bancorp ranks #948 out of 1421 companies in the Banks industry, placing it in the top 66.7%.
Is Mountain Pacific Bancorp's Debt-to-Equity too high?
Mountain Pacific Bancorp's current Debt-to-Equity of 0.97 is near median its 10-year median of 1.04. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 1.63. The Banks industry median Debt-to-Equity is 0.58. Mountain Pacific Bancorp's value of 0.97 is 67.2% above this industry median. Based on the distribution chart, Mountain Pacific Bancorp ranks #948 out of 1421 companies in the Banks industry, which is below the industry midpoint. Overall, Mountain Pacific Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mountain Pacific Bancorp's Debt-to-Equity compare to KTHN and HARL?
According to the Banks industry distribution chart, Mountain Pacific Bancorp ranks #948 out of 1421 companies for Debt-to-Equity. This places Mountain Pacific Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Mountain Pacific Bancorp's value of 0.97 is 67.2% above this benchmark. Historically, Mountain Pacific Bancorp's own Debt-to-Equity has ranged from 0.26 to 1.63 over the past decade. While the company's 10-year median is 1.04 vs. the industry median of 0.58, Mountain Pacific Bancorp 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 0.58, based on 1,421 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. Mountain Pacific Bancorp's current Debt-to-Equity of 0.97 is 67.2% 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 Mountain Pacific 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. Mountain Pacific Bancorp's current Debt-to-Equity is 0.97, which is near median its own 10-year median of 1.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mountain Pacific Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mountain Pacific Bancorp (MPCB) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.20, compared to a current price of $17.99 — trading 18.4% above its estimated fair value. The current Debt-to-Equity is 0.97, which is near median its 10-year median of 1.04 and 67.2% above the Banks industry median of 0.58. Mountain Pacific Bancorp's overall GF Score™ is 69/100 with 1 warning sign 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 Mountain Pacific Bancorp (MPCB), the current Debt-to-Equity is 0.97 as of Jun. 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 Mountain Pacific Bancorp (MPCB) Overvalued in 2026?
Based on GuruFocus' analysis, Mountain Pacific Bancorp stock appears to be overvalued.
The current stock price of $17.99 is trading 18.4% above its estimated GF Value™ of $15.20.
GuruFocus considers Mountain Pacific Bancorp to be Modestly Overvalued.
Key valuation signals for MPCB:
Debt-to-Equity: 0.97 (near median its 10-year median of 1.04)
GF Value™: $15.20 vs. price of $17.99 (18.4% above fair value)
Industry Position: 67.2% above the Banks median (#948 of 1421)
No single metric tells the full story. See the MPCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mountain Pacific Bancorp Inc is a bank holding company. Along with its subsidiaries, it operates as a community bank, providing a range of financial services to individual and corporate customers, including commercial and retail banking services such as commercial and retail deposit accounts, commercial financing, consumer and mortgage lending, and treasury management services. It has several branches located in Everett, Lynnwood, the Ballard neighborhood of Seattle, Burlington, and Bellingham.
69GF Score
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