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Mercer BancorpMSBB 35 Debt-to-Equity is 0.04 as of Mar. 2026, which is 91% below its 10-year median of 0.46. GuruFocus rates MSBB with a GF Score™ of 35/100 and a GF Value™ of $17.08 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,422 Banks companies, Mercer Bancorp ranks better than 95.15% 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 Mercer Bancorp's Debt-to-Equity or its related term are showing as below:
MSBB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04 Med: 0.46 Max: 0.92
Current: 0.04
During the past 4 years, the highest Debt-to-Equity Ratio of Mercer Bancorp was 0.92. The lowest was 0.04. And the median was 0.46.
MSBB's Debt-to-Equity is ranked better than 95.15% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs MSBB: 0.04
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.
Mercer Bancorp Debt-to-Equity Related Terms
Mercer Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Mercer 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.
MSBB vs MFDB, LOGN, UNTN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Mercer 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.
Mercer Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Mercer Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Mercer 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.
Mercer Bancorp (MSBB) has a Debt-to-Equity of 0.04 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Mercer Bancorp and its competitors. This is 91% below median its historical median of 0.46. Over the past decade, Mercer Bancorp's Debt-to-Equity has ranged from 0.04 to 0.92. According to the industry distribution chart, Mercer Bancorp ranks #69 out of 1422 companies in the Banks industry, placing it in the top 4.9%.
Is Mercer Bancorp's Debt-to-Equity too high?
Mercer Bancorp's current Debt-to-Equity of 0.04 is 91% below median its 10-year median of 0.46. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.92. The Banks industry median Debt-to-Equity is 0.57. Mercer Bancorp's value of 0.04 is 93% below this industry median. Based on the distribution chart, Mercer Bancorp ranks #69 out of 1422 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Mercer Bancorp has a GF Score™ of 35/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mercer Bancorp's Debt-to-Equity compare to MFDB and LOGN?
According to the Banks industry distribution chart, Mercer Bancorp ranks #69 out of 1422 companies for Debt-to-Equity. This places Mercer Bancorp in the top 5% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.57. Mercer Bancorp's value of 0.04 is 93% below this benchmark. Historically, Mercer Bancorp's own Debt-to-Equity has ranged from 0.04 to 0.92 over the past decade. While the company's 10-year median is 0.46 vs. the industry median of 0.57, Mercer Bancorp 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. Mercer Bancorp's current Debt-to-Equity of 0.04 is 93% 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 Mercer Bancorp 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. Mercer Bancorp's current Debt-to-Equity is 0.04, which is 91% below median its own 10-year median of 0.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mercer Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mercer Bancorp (MSBB) is currently considered Modestly Overvalued. The stock's GF Value™ is $17.08, compared to a current price of $20.00 — trading 17.1% above its estimated fair value. The current Debt-to-Equity is 0.04, which is 91% below median its 10-year median of 0.46 and 93% below the Banks industry median of 0.57. Mercer Bancorp's overall GF Score™ is 35/100 with 3 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 Mercer Bancorp (MSBB), the current Debt-to-Equity is 0.04 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 Mercer Bancorp (MSBB) Overvalued in 2026?
Based on GuruFocus' analysis, Mercer Bancorp stock appears to be overvalued.
The current stock price of $20.00 is trading 17.1% above its estimated GF Value™ of $17.08.
GuruFocus considers Mercer Bancorp to be Modestly Overvalued.
Key valuation signals for MSBB:
Debt-to-Equity: 0.04 (91% below median its 10-year median of 0.46)
GF Value™: $17.08 vs. price of $20.00 (17.1% above fair value)
Industry Position: 93% below the Banks median (#69 of 1422)
No single metric tells the full story. See the MSBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mercer Bancorp Inc operates as a full-service bank. It offers deposits, loans, and other services. The loan portfolio consists of residential mortgage loans secured by one- to four-family residential properties and agricultural real estate loans secured by farmland located in the primary market area. It also operates in multifamily real estate loans, commercial real estate loans, construction and land loans, home equity lines of credit, commercial and industrial loans, and consumer loans. Geographically, it operates in Mercer and Darke Counties in western Ohio and contiguous areas, including Adams and Jay Counties in eastern Indiana.
35GF Score
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