CIBH (CIB Marine Bancshares) Debt-to-Asset : 0.06 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CIBH CIB Marine Bancshares Inc CIBH
51 GF Score
Price $44.31
GF Value $29.57
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is CIB Marine Bancshares Debt-to-Asset?

CIB Marine Bancshares CIBH -0.45% 51 Debt-to-Asset is 0.06 as of Mar. 2026. GuruFocus rates CIBH with a GF Score™ of 51/100 and a GF Value™ of $29.57 (Significantly Overvalued). The stock has 7 warning signs investors should review.

CIB Marine Bancshares's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $52.46 Mil. CIB Marine Bancshares's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $0.00 Mil. CIB Marine Bancshares's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Mar. 2026 was $832.79 Mil. CIB Marine Bancshares's debt to asset for the quarter that ended in Mar. 2026 was 0.06.

CIB Marine Bancshares  (OTCPK:CIBH) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

CIB Marine Bancshares Debt-to-Asset Related Terms

CIB Marine Bancshares Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for CIB Marine Bancshares's Debt-to-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.

CIB Marine Bancshares Debt-to-Asset Chart

CIB Marine Bancshares Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.17 0.17 0.17 0.16 0.16

CIB Marine Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Mar26 Jun26
Debt-to-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 0.07 0.06 0.04 0.06 0.19

CIBH vs NIDB, FFWC, DENI: Debt-to-Asset Comparison

For the Banks - Regional subindustry, CIB Marine Bancshares's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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.

CIB Marine Bancshares Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, CIB Marine Bancshares's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where CIB Marine Bancshares's Debt-to-Asset falls into.


CIBH
51GF Score
CIB Marine Bancshares Inc CIBH
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

CIB Marine Bancshares Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

CIB Marine Bancshares's Debt-to-Asset for the fiscal year that ended in Dec. 2024 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(44 + 96.648) / 866.474
=0.16

CIB Marine Bancshares's Debt-to-Asset for the quarter that ended in Mar. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(52.462 + 0) / 832.79
=0.06

* 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 Debt-to-Asset →
What does a Debt-to-Asset of 0.06 mean?
CIB Marine Bancshares (CIBH) has a Debt-to-Asset of 0.06 as of Mar. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on CIB Marine Bancshares and its competitors.
Is CIB Marine Bancshares' Debt-to-Asset too high?
CIB Marine Bancshares' current Debt-to-Asset is 0.06. Overall, CIB Marine Bancshares has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CIB Marine Bancshares' Debt-to-Asset compare to NIDB and FFWC?
CIB Marine Bancshares' Debt-to-Asset of 0.06 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on CIB Marine Bancshares and its competitors. CIB Marine Bancshares's current Debt-to-Asset is 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CIB Marine Bancshares stock overvalued right now?
Based on GuruFocus' analysis, CIB Marine Bancshares (CIBH) is currently considered Significantly Overvalued. The stock's GF Value™ is $29.57, compared to a current price of $44.31 — trading 49.9% above its estimated fair value. The current Debt-to-Asset is 0.06. CIB Marine Bancshares' overall GF Score™ is 51/100 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-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For CIB Marine Bancshares (CIBH), the current Debt-to-Asset is 0.06 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 CIB Marine Bancshares (CIBH) Overvalued in 2026?

Based on GuruFocus' analysis, CIB Marine Bancshares stock appears to be overvalued. The current stock price of $44.31 is trading 49.9% above its estimated GF Value™ of $29.57. GuruFocus considers CIB Marine Bancshares to be Significantly Overvalued.

Key valuation signals for CIBH:

  • Debt-to-Asset: 0.06
  • GF Value™: $29.57 vs. price of $44.31 (49.9% above fair value)
  • GF Score™: 51/100 with 7 warning signs

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

CIB Marine Bancshares Business Description

Address 19601 West Bluemound Road, Brookfield, WI, USA, 53045
CIB Marine Bancshares Inc is a financial service holding company. It provides a full range of banking and related services through its banking subsidiary. The primary sources of revenue are predominantly from loans to small and middle-market business customers, investments in securities, and mortgage banking activity. The Bank also offers a range of deposits and other financial products to its customers. Its offices and, generally, customers are in the central and northeastern Illinois, Milwaukee, and Indianapolis markets.
51GF Score

Get the complete analysis for CIBH

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

$44.31
Price
$29.57
GF Value