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BEO Bancorp ORBEOB 72 Debt-to-Equity is 0.08 as of Dec. 2025, which is 71% below its 10-year median of 0.28. GuruFocus rates BEOB with a GF Score™ of 72/100 and a GF Value™ of $48.11 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,411 Banks companies, BEO Bancorp OR ranks better than 91.14% 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 BEO Bancorp OR's Debt-to-Equity or its related term are showing as below:
BEOB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.08 Med: 0.28 Max: 0.33
Current: 0.08
During the past 11 years, the highest Debt-to-Equity Ratio of BEO Bancorp OR was 0.33. The lowest was 0.08. And the median was 0.28.
BEOB's Debt-to-Equity is ranked better than 91.14% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs BEOB: 0.08
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.
BEO Bancorp OR Debt-to-Equity Related Terms
BEO Bancorp OR Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for BEO Bancorp OR'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.
BEOB vs ENBP, NODB, EMYB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, BEO Bancorp OR'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.
BEO Bancorp OR Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, BEO Bancorp OR's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where BEO Bancorp OR'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.
BEO Bancorp OR (BEOB) has a Debt-to-Equity of 0.08 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BEO Bancorp OR and its competitors. This is 71% below median its historical median of 0.28. Over the past decade, BEO Bancorp OR's Debt-to-Equity has ranged from 0.08 to 0.33. According to the industry distribution chart, BEO Bancorp OR ranks #125 out of 1411 companies in the Banks industry, placing it in the top 8.9%.
Is BEO Bancorp OR's Debt-to-Equity too high?
BEO Bancorp OR's current Debt-to-Equity of 0.08 is 71% below median its 10-year median of 0.28. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.33. The Banks industry median Debt-to-Equity is 0.58. BEO Bancorp OR's value of 0.08 is 86.2% below this industry median. Based on the distribution chart, BEO Bancorp OR ranks #125 out of 1411 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BEO Bancorp OR has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BEO Bancorp OR's Debt-to-Equity compare to ENBP and NODB?
According to the Banks industry distribution chart, BEO Bancorp OR ranks #125 out of 1411 companies for Debt-to-Equity. This places BEO Bancorp OR in the top 9% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. BEO Bancorp OR's value of 0.08 is 86.2% below this benchmark. Historically, BEO Bancorp OR's own Debt-to-Equity has ranged from 0.08 to 0.33 over the past decade. While the company's 10-year median is 0.28 vs. the industry median of 0.58, BEO Bancorp OR 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 1,411 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. BEO Bancorp OR's current Debt-to-Equity of 0.08 is 86.2% 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 BEO Bancorp OR 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. BEO Bancorp OR's current Debt-to-Equity is 0.08, which is 71% below median its own 10-year median of 0.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BEO Bancorp OR stock overvalued right now?
Based on GuruFocus' analysis, BEO Bancorp OR (BEOB) is currently considered Significantly Overvalued. The stock's GF Value™ is $48.11, compared to a current price of $64.49 — trading 34% above its estimated fair value. The current Debt-to-Equity is 0.08, which is 71% below median its 10-year median of 0.28 and 86.2% below the Banks industry median of 0.58. BEO Bancorp OR's overall GF Score™ is 72/100 with 1 warning sign 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 BEO Bancorp OR (BEOB), the current Debt-to-Equity is 0.08 as of Dec. 2025. 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 BEO Bancorp OR (BEOB) Overvalued in 2026?
Based on GuruFocus' analysis, BEO Bancorp OR stock appears to be overvalued.
The current stock price of $64.49 is trading 34% above its estimated GF Value™ of $48.11.
GuruFocus considers BEO Bancorp OR to be Significantly Overvalued.
Key valuation signals for BEOB:
Debt-to-Equity: 0.08 (71% below median its 10-year median of 0.28)
GF Value™: $48.11 vs. price of $64.49 (34% above fair value)
Industry Position: 86.2% below the Banks median (#125 of 1411)
No single metric tells the full story. See the BEOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BEO Bancorp OR provides commercial and consumer financing, banking, and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. Its activities include the usual lending and deposit functions of a commercial bank: commercial, agricultural, real estate, installment, credit card, and mortgage loans; checking, money market, time deposit, and savings accounts; internet banking and bill payment; automated teller machines and safe deposit facilities. Additionally, the Bank originates and sells mortgage loans into the secondary market.
72GF Score
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