Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Neffs BancorpNEFB 57 Debt-to-Equity is 0.51 as of Dec. 2025, which is 240% above its 10-year median of 0.15. GuruFocus rates NEFB with a GF Score™ of 57/100 and a GF Value™ of $273.66 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,421 Banks companies, Neffs Bancorp ranks better than 54.54% 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 Neffs Bancorp's Debt-to-Equity or its related term are showing as below:
NEFB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.1 Med: 0.15 Max: 0.51
Current: 0.51
During the past 13 years, the highest Debt-to-Equity Ratio of Neffs Bancorp was 0.51. The lowest was 0.10. And the median was 0.15.
NEFB's Debt-to-Equity is ranked better than 54.54% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs NEFB: 0.51
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.
Neffs Bancorp Debt-to-Equity Related Terms
Neffs Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Neffs 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.
NEFB vs INFT, KEFI, BBBK: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Neffs 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.
Neffs Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Neffs Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Neffs 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.
Neffs Bancorp (NEFB) has a Debt-to-Equity of 0.51 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Neffs Bancorp and its competitors. This is 240% above median its historical median of 0.15. Over the past decade, Neffs Bancorp's Debt-to-Equity has ranged from 0.10 to 0.51. According to the industry distribution chart, Neffs Bancorp ranks #646 out of 1421 companies in the Banks industry, placing it in the top 45.5%.
Is Neffs Bancorp's Debt-to-Equity too high?
Neffs Bancorp's current Debt-to-Equity of 0.51 is 240% above median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.51. The Banks industry median Debt-to-Equity is 0.58. Neffs Bancorp's value of 0.51 is 12.1% below this industry median. Based on the distribution chart, Neffs Bancorp ranks #646 out of 1421 companies in the Banks industry, which is above the industry midpoint. Overall, Neffs Bancorp has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Neffs Bancorp's Debt-to-Equity compare to INFT and KEFI?
According to the Banks industry distribution chart, Neffs Bancorp ranks #646 out of 1421 companies for Debt-to-Equity. This puts Neffs Bancorp in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Neffs Bancorp's value of 0.51 is 12.1% below this benchmark. Historically, Neffs Bancorp's own Debt-to-Equity has ranged from 0.10 to 0.51 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.58, Neffs 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 0.58, 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. Neffs Bancorp's current Debt-to-Equity of 0.51 is 12.1% 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 Neffs 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. Neffs Bancorp's current Debt-to-Equity is 0.51, which is 240% above 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 Neffs Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Neffs Bancorp (NEFB) is currently considered Significantly Overvalued. The stock's GF Value™ is $273.66, compared to a current price of $388.00 — trading 41.8% above its estimated fair value. The current Debt-to-Equity is 0.51, which is 240% above median its 10-year median of 0.15 and 12.1% below the Banks industry median of 0.58. Neffs Bancorp's overall GF Score™ is 57/100 with 6 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 Neffs Bancorp (NEFB), the current Debt-to-Equity is 0.51 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 Neffs Bancorp (NEFB) Overvalued in 2026?
Based on GuruFocus' analysis, Neffs Bancorp stock appears to be overvalued.
The current stock price of $388.00 is trading 41.8% above its estimated GF Value™ of $273.66.
GuruFocus considers Neffs Bancorp to be Significantly Overvalued.
Key valuation signals for NEFB:
Debt-to-Equity: 0.51 (240% above median its 10-year median of 0.15)
GF Value™: $273.66 vs. price of $388.00 (41.8% above fair value)
Industry Position: 12.1% below the Banks median (#646 of 1421)
No single metric tells the full story. See the NEFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Neffs Bancorp Inc provides a full range of financial services to individuals, small businesses and corporate customers. The Bank's primary deposits are checking accounts, savings accounts and certificates of deposit. The bank offers personal banking and commercial banking services. The primary source of revenue is interest and fees earned from providing residential mortgages, consumer loans and commercial loans to customers located within the Lehigh Valley of Pennsylvania.
57GF Score
Get the complete analysis for NEFB
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NEFB has been successfully added to your 
