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Sturgis BancorpSTBI +0.31%69 Debt-to-Equity is 0.85 as of Jun. 2026, which is 34% below its 10-year median of 1.28. GuruFocus rates STBI with a GF Score™ of 69/100 and a GF Value™ of $21.25 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,422 Banks companies, Sturgis Bancorp ranks worse than 62.03% 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 Sturgis Bancorp's Debt-to-Equity or its related term are showing as below:
STBI'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.45 Med: 1.28 Max: 3.03
Current: 0.85
During the past 13 years, the highest Debt-to-Equity Ratio of Sturgis Bancorp was 3.03. The lowest was 0.45. And the median was 1.28.
STBI's Debt-to-Equity is ranked worse than 62.03% of 1422
companies
in the Banks industry
Industry Median: 0.575
vs STBI: 0.85
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.
Sturgis Bancorp Debt-to-Equity Related Terms
Sturgis Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Sturgis 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.
STBI vs FBVI, PGNN, FMFG: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Sturgis 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.
Sturgis Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Sturgis Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Sturgis 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.
Sturgis Bancorp (STBI) has a Debt-to-Equity of 0.85 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Sturgis Bancorp and its competitors. This is 34% below median its historical median of 1.28. Over the past decade, Sturgis Bancorp's Debt-to-Equity has ranged from 0.45 to 3.03. According to the industry distribution chart, Sturgis Bancorp ranks #882 out of 1422 companies in the Banks industry, placing it in the top 62%.
Is Sturgis Bancorp's Debt-to-Equity too high?
Sturgis Bancorp's current Debt-to-Equity of 0.85 is 34% below median its 10-year median of 1.28. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 3.03. The Banks industry median Debt-to-Equity is 0.58. Sturgis Bancorp's value of 0.85 is 47.8% above this industry median. Based on the distribution chart, Sturgis Bancorp ranks #882 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, Sturgis Bancorp has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sturgis Bancorp's Debt-to-Equity compare to FBVI and PGNN?
According to the Banks industry distribution chart, Sturgis Bancorp ranks #882 out of 1422 companies for Debt-to-Equity. This places Sturgis Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Sturgis Bancorp's value of 0.85 is 47.8% above this benchmark. Historically, Sturgis Bancorp's own Debt-to-Equity has ranged from 0.45 to 3.03 over the past decade. While the company's 10-year median is 1.28 vs. the industry median of 0.58, Sturgis 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 1,422 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. Sturgis Bancorp's current Debt-to-Equity of 0.85 is 47.8% 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 Sturgis 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. Sturgis Bancorp's current Debt-to-Equity is 0.85, which is 34% below median its own 10-year median of 1.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sturgis Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Sturgis Bancorp (STBI) is currently considered Significantly Overvalued. The stock's GF Value™ is $21.25, compared to a current price of $29.00 — trading 36.5% above its estimated fair value. The current Debt-to-Equity is 0.85, which is 34% below median its 10-year median of 1.28 and 47.8% above the Banks industry median of 0.58. Sturgis Bancorp's overall GF Score™ is 69/100 with 7 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 Sturgis Bancorp (STBI), the current Debt-to-Equity is 0.85 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 Sturgis Bancorp (STBI) Overvalued in 2026?
Based on GuruFocus' analysis, Sturgis Bancorp stock appears to be overvalued.
The current stock price of $29.00 is trading 36.5% above its estimated GF Value™ of $21.25.
GuruFocus considers Sturgis Bancorp to be Significantly Overvalued.
Key valuation signals for STBI:
Debt-to-Equity: 0.85 (34% below median its 10-year median of 1.28)
GF Value™: $21.25 vs. price of $29.00 (36.5% above fair value)
Industry Position: 47.8% above the Banks median (#882 of 1422)
No single metric tells the full story. See the STBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sturgis Bancorp Inc is a bank holding company operating predominantly in the southwestern portion of Michigan's Lower Peninsula. Through its subsidiaries, it is engaged in accepting deposits and making commercial and residential mortgage loans; providing various investment and financial advisory services; offering credit cards and different types of loans; and providing title, consumer, and commercial insurance products, among others.
69GF Score
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