FGFI (First Greenwich Financial) LT-Debt-to-Total-Asset: 0.11 (As of Mar. 2026)

What is First Greenwich Financial LT-Debt-to-Total-Asset?

First Greenwich Financial FGFI 67 LT-Debt-to-Total-Asset is 0.11 as of Mar. 2026. GuruFocus rates FGFI with a GF Score™ of 67/100 and a GF Value™ of $21.08 (Fairly Valued). The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. First Greenwich Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.11.

First Greenwich Financial's long-term debt to total assets ratio declined from Mar. 2025 (0.18) to Mar. 2026 (0.11). It may suggest that First Greenwich Financial is progressively becoming less dependent on debt to grow their business.

First Greenwich Financial (OTCPK:FGFI) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

First Greenwich Financial LT-Debt-to-Total-Asset Related Terms

First Greenwich Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for First Greenwich Financial's LT-Debt-to-Total-Asset 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.

First Greenwich Financial LT-Debt-to-Total-Asset Chart

First Greenwich Financial Annual Data

Trend

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.12

0.10

0.08

0.14

0.09

First Greenwich Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.18	0.07	0.10	0.09	0.11

67GF Score

First Greenwich Financial Inc FGFI

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First Greenwich Financial LT-Debt-to-Total-Asset Calculation

First Greenwich Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	71.954	/	804.114
	=	0.09

First Greenwich Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	91.969	/	806.899
	=	0.11

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.11 mean?

First Greenwich Financial (FGFI) has a LT-Debt-to-Total-Asset of 0.11 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on First Greenwich Financial and its competitors.

Is First Greenwich Financial's LT-Debt-to-Total-Asset too high?

First Greenwich Financial's current LT-Debt-to-Total-Asset is 0.11. Overall, First Greenwich Financial has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does First Greenwich Financial's LT-Debt-to-Total-Asset compare to DENI and PVBK?

First Greenwich Financial's LT-Debt-to-Total-Asset of 0.11 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on First Greenwich Financial and its competitors. First Greenwich Financial's current LT-Debt-to-Total-Asset is 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is First Greenwich Financial stock overvalued right now?

Based on GuruFocus' analysis, First Greenwich Financial (FGFI) is currently considered Fairly Valued. The stock's GF Value™ is $21.08, compared to a current price of $19.65 — trading 6.8% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.11. First Greenwich Financial's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For First Greenwich Financial (FGFI), the current LT-Debt-to-Total-Asset is 0.11 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 First Greenwich Financial (FGFI) Overvalued in 2026?

Based on GuruFocus' analysis, First Greenwich Financial stock appears to be undervalued. The current stock price of $19.65 is trading 6.8% below its estimated GF Value™ of $21.08. GuruFocus considers First Greenwich Financial to be Fairly Valued.

Key valuation signals for FGFI:

LT-Debt-to-Total-Asset: 0.11
GF Value™: $21.08 vs. price of $19.65 (6.8% below fair value)
GF Score™: 67/100 with 3 warning signs

No single metric tells the full story. See the FGFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First Greenwich Financial Business Description

Industry Financial Services Banks

Comparable Companies DENI PVBK TCBS TBBC GVYB WSSH FSBH CIBH BKFL OSBK SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 444 East Putnam Avenue, Cos Cob, CT, USA, 06807

Website https://www.greenwichfirst.com

First Greenwich Financial Inc is a United States-based company engaged in attracting deposits from the general public and investing those deposits in residential & commercial real estate loans and consumer & small business loans. It offers services including Certificate of Deposit, Checking, Courier Service, Online Banking, Retirement Accounts, and Lending services, among others.

67GF Score

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$19.65

Price

$21.08

GF Value

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