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Primary BkPRMY -0.57%56 Debt-to-Equity is 0.01 as of Dec. 2025, which is 50% below its 10-year median of 0.02. GuruFocus rates PRMY with a GF Score™ of 56/100 and a GF Value™ of $25.65 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,423 Banks companies, Primary Bk ranks better than 99.93% 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 Primary Bk's Debt-to-Equity or its related term are showing as below:
PRMY'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.02 Max: 0.15
Current: 0.01
During the past 7 years, the highest Debt-to-Equity Ratio of Primary Bk was 0.15. The lowest was 0.01. And the median was 0.02.
PRMY's Debt-to-Equity is ranked better than 99.93% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs PRMY: 0.01
Primary Bk (OTCPK:PRMY) 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.
Primary Bk Debt-to-Equity Related Terms
Primary Bk Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Primary Bk'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.
PRMY vs SRBK, BEOB, FSRL: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Primary Bk'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.
Primary Bk Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Primary Bk's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Primary Bk'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.
Primary Bk (PRMY) has a Debt-to-Equity of 0.01 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Primary Bk and its competitors. This is 50% below median its historical median of 0.02. Over the past decade, Primary Bk's Debt-to-Equity has ranged from 0.01 to 0.15. According to the industry distribution chart, Primary Bk ranks #1 out of 1423 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is Primary Bk's Debt-to-Equity too high?
Primary Bk's current Debt-to-Equity of 0.01 is 50% below median its 10-year median of 0.02. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.15. The Banks industry median Debt-to-Equity is 0.56. Primary Bk's value of 0.01 is 98.2% below this industry median. Based on the distribution chart, Primary Bk ranks #1 out of 1423 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Primary Bk has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Primary Bk's Debt-to-Equity compare to SRBK and BEOB?
According to the Banks industry distribution chart, Primary Bk ranks #1 out of 1423 companies for Debt-to-Equity. This places Primary Bk in the top 0% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Primary Bk's value of 0.01 is 98.2% below this benchmark. Historically, Primary Bk's own Debt-to-Equity has ranged from 0.01 to 0.15 over the past decade. While the company's 10-year median is 0.02 vs. the industry median of 0.56, Primary Bk 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 0.56, based on 1,423 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. Primary Bk's current Debt-to-Equity of 0.01 is 98.2% 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 Primary Bk and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Primary Bk's current Debt-to-Equity is 0.01, which is 50% below median its own 10-year median of 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Primary Bk stock overvalued right now?
Based on GuruFocus' analysis, Primary Bk (PRMY) is currently considered Significantly Overvalued. The stock's GF Value™ is $25.65, compared to a current price of $34.85 — trading 35.9% above its estimated fair value. The current Debt-to-Equity is 0.01, which is 50% below median its 10-year median of 0.02 and 98.2% below the Banks industry median of 0.56. Primary Bk's overall GF Score™ is 56/100 with 4 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 Primary Bk (PRMY), the current Debt-to-Equity is 0.01 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 Primary Bk (PRMY) Overvalued in 2026?
Based on GuruFocus' analysis, Primary Bk stock appears to be overvalued.
The current stock price of $34.85 is trading 35.9% above its estimated GF Value™ of $25.65.
GuruFocus considers Primary Bk to be Significantly Overvalued.
Key valuation signals for PRMY:
Debt-to-Equity: 0.01 (50% below median its 10-year median of 0.02)
GF Value™: $25.65 vs. price of $34.85 (35.9% above fair value)
Industry Position: 98.2% below the Banks median (#1 of 1423)
No single metric tells the full story. See the PRMY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Primary Bk is a banking service provider. The services offered by the bank include online banking, mobile banking, remote deposit, cash management, and credit cards. The Bank provides a variety of financial services to small and medium-sized businesses, professionals, municipalities, and not-for-profit organizations through its offices in Bedford, Manchester, Derry, and Nashua, New Hampshire.
56GF Score
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