MFGI (Merchants Financial Group) LT-Debt-to-Total-Asset: 0.01 (As of Jun. 2026)

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MFGI Merchants Financial Group Inc MFGI
49 GF Score
Price $41.35
GF Value $28.33
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Merchants Financial Group LT-Debt-to-Total-Asset?

Merchants Financial Group MFGI 49 LT-Debt-to-Total-Asset is 0.01 as of Jun. 2026. GuruFocus rates MFGI with a GF Score™ of 49/100 and a GF Value™ of $28.33 (Significantly Overvalued). The stock has 4 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. Merchants Financial Group's long-term debt to total assests ratio for the quarter that ended in Jun. 2026 was 0.01.

Merchants Financial Group's long-term debt to total assets ratio declined from Jun. 2025 (0.01) to Jun. 2026 (0.01). It may suggest that Merchants Financial Group is progressively becoming less dependent on debt to grow their business.

Merchants Financial Group  (OTCPK:MFGI) 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.

Merchants Financial Group LT-Debt-to-Total-Asset Related Terms

Merchants Financial Group LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Merchants Financial Group'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.

Merchants Financial Group LT-Debt-to-Total-Asset Chart

Merchants Financial Group Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial 0.02 0.02 0.01 0.01 0.01

Merchants Financial Group Quarterly Data
Dec20 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.01 0.01 0.01 0.01 0.01
MFGI
49GF Score
Merchants Financial Group Inc MFGI
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Merchants Financial Group LT-Debt-to-Total-Asset Calculation

Merchants Financial Group'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 )
=29.95/2900.481
=0.01

Merchants Financial Group's Long-Term Debt to Total Asset Ratio for the quarter that ended in Jun. 2026 is calculated as

LT Debt to Total Assets (Q: Jun. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Jun. 2026 )/Total Assets (Q: Jun. 2026 )
=29.95/2883.318
=0.01

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.01 mean?
Merchants Financial Group (MFGI) has a LT-Debt-to-Total-Asset of 0.01 as of Jun. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Merchants Financial Group and its competitors.
Is Merchants Financial Group's LT-Debt-to-Total-Asset too high?
Merchants Financial Group's current LT-Debt-to-Total-Asset is 0.01. Overall, Merchants Financial Group has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Merchants Financial Group's LT-Debt-to-Total-Asset compare to BFCC and TSBK?
Merchants Financial Group's LT-Debt-to-Total-Asset of 0.01 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 Merchants Financial Group and its competitors. Merchants Financial Group's current LT-Debt-to-Total-Asset is 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Merchants Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Merchants Financial Group (MFGI) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.33, compared to a current price of $41.35 — trading 46% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. Merchants Financial Group's overall GF Score™ is 49/100 with 4 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 Merchants Financial Group (MFGI), the current LT-Debt-to-Total-Asset is 0.01 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 Merchants Financial Group (MFGI) Overvalued in 2026?

Based on GuruFocus' analysis, Merchants Financial Group stock appears to be overvalued. The current stock price of $41.35 is trading 46% above its estimated GF Value™ of $28.33. GuruFocus considers Merchants Financial Group to be Significantly Overvalued.

Key valuation signals for MFGI:

  • LT-Debt-to-Total-Asset: 0.01
  • GF Value™: $28.33 vs. price of $41.35 (46% above fair value)
  • GF Score™: 49/100 with 4 warning signs

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

Merchants Financial Group Business Description

Address 102 E. Third Street, Winona, MN, USA, 55987
Merchants Financial Group Inc is a bank holding company. Through its banking subsidiary, it provides retail, commercial loans, and deposit services to individual as well as business customers. The various products and services offered by the Group include business credit cards, treasury management services, online and mobile banking services, different types of loans, checking accounts, saving accounts, digital wallet, military banking services, mortgage loans, etc. These services are offered through a network of branch offices and a leasing division across Winona, Goodview, Rushford, Lanesboro, St. Charles, Rochester, La Crescent, Caledonia, Spring Grove, and other locations in the USA.
49GF Score

Get the complete analysis for MFGI

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.35
Price
$28.33
GF Value