This included the four too-big-to fail banks. Bank of America ( BAC) has a debt-to-equity ratio of 8.2, while Citigroup's ( C) is 8.4, JP Morgan Chase's ( JPM) is nearly 11 and Wells Fargo's ( WFC) is 7.8. The finance sector is 21.3% overvalued with an equal-weight rating. Of the 3,037 stocks in this sector, 82% have hold ratings.