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US Metro BancorpUSMT 68 Debt-to-Equity is 0.16 as of Jun. 2026, which is 41% below its 10-year median of 0.27. GuruFocus rates USMT with a GF Score™ of 68/100 and a GF Value™ of $6.24 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,414 Banks companies, US Metro Bancorp ranks better than 81.82% 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 US Metro Bancorp's Debt-to-Equity or its related term are showing as below:
USMT'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.03 Med: 0.27 Max: 0.65
Current: 0.16
During the past 8 years, the highest Debt-to-Equity Ratio of US Metro Bancorp was 0.65. The lowest was 0.03. And the median was 0.27.
USMT's Debt-to-Equity is ranked better than 81.82% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs USMT: 0.16
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.
US Metro Bancorp Debt-to-Equity Related Terms
US Metro Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for US Metro 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.
USMT vs CYVF, FTFI, ORBN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, US Metro 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.
US Metro Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, US Metro Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where US Metro 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.
US Metro Bancorp (USMT) has a Debt-to-Equity of 0.16 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on US Metro Bancorp and its competitors. This is 41% below median its historical median of 0.27. Over the past decade, US Metro Bancorp's Debt-to-Equity has ranged from 0.03 to 0.65. According to the industry distribution chart, US Metro Bancorp ranks #257 out of 1414 companies in the Banks industry, placing it in the top 18.2%.
Is US Metro Bancorp's Debt-to-Equity too high?
US Metro Bancorp's current Debt-to-Equity of 0.16 is 41% below median its 10-year median of 0.27. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.65. The Banks industry median Debt-to-Equity is 0.58. US Metro Bancorp's value of 0.16 is 72.4% below this industry median. Based on the distribution chart, US Metro Bancorp ranks #257 out of 1414 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, US Metro Bancorp has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does US Metro Bancorp's Debt-to-Equity compare to CYVF and FTFI?
According to the Banks industry distribution chart, US Metro Bancorp ranks #257 out of 1414 companies for Debt-to-Equity. This places US Metro Bancorp in the top 18% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. US Metro Bancorp's value of 0.16 is 72.4% below this benchmark. Historically, US Metro Bancorp's own Debt-to-Equity has ranged from 0.03 to 0.65 over the past decade. While the company's 10-year median is 0.27 vs. the industry median of 0.58, US Metro 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 1,414 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. US Metro Bancorp's current Debt-to-Equity of 0.16 is 72.4% 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 US Metro 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. US Metro Bancorp's current Debt-to-Equity is 0.16, which is 41% below median its own 10-year median of 0.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is US Metro Bancorp stock overvalued right now?
Based on GuruFocus' analysis, US Metro Bancorp (USMT) is currently considered Fairly Valued. The stock's GF Value™ is $6.24, compared to a current price of $6.00 — trading 3.8% below its estimated fair value. The current Debt-to-Equity is 0.16, which is 41% below median its 10-year median of 0.27 and 72.4% below the Banks industry median of 0.58. US Metro Bancorp's overall GF Score™ is 68/100 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 US Metro Bancorp (USMT), the current Debt-to-Equity is 0.16 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 US Metro Bancorp (USMT) Overvalued in 2026?
Based on GuruFocus' analysis, US Metro Bancorp stock appears to be undervalued.
The current stock price of $6.00 is trading 3.8% below its estimated GF Value™ of $6.24.
GuruFocus considers US Metro Bancorp to be Fairly Valued.
Key valuation signals for USMT:
Debt-to-Equity: 0.16 (41% below median its 10-year median of 0.27)
GF Value™: $6.24 vs. price of $6.00 (3.8% below fair value)
Industry Position: 72.4% below the Banks median (#257 of 1414)
No single metric tells the full story. See the USMT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
US Metro Bancorp is a bank holding company. Through its banking subsidiary, it provides a full range of banking services to commercial businesses and individual consumers. These services mainly include personal savings accounts, online and mobile banking services, business checking accounts, certificate of deposit, consumer loans, commercial loans, treasury management solutions, business loans, wire transfers, and ATM services, among others. The Group operates through a network of branches and loan production offices located across different cities in the United States.
68GF Score
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