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CB First Investment Bank ADFRA:834 +2.26%67 Debt-to-Equity is 1.11 as of Jun. 2026, which is 192% above its 10-year median of 0.38. GuruFocus rates FRA:834 with a GF Score™ of 67/100 and a GF Value™ of €4.57 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,415 Banks companies, CB First Investment Bank AD ranks worse than 70.18% 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 CB First Investment Bank AD's Debt-to-Equity or its related term are showing as below:
FRA:834'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.25 Med: 0.38 Max: 1.29
Current: 1.11
During the past 13 years, the highest Debt-to-Equity Ratio of CB First Investment Bank AD was 1.29. The lowest was 0.25. And the median was 0.38.
FRA:834's Debt-to-Equity is ranked worse than 70.18% of 1415
companies
in the Banks industry
Industry Median: 0.58
vs FRA:834: 1.11
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.
CB First Investment Bank AD Debt-to-Equity Related Terms
CB First Investment Bank AD Debt-to-Equity Historical Data
* 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.
For the Banks - Regional subindustry, CB First Investment Bank AD'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.
CB First Investment Bank AD Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, CB First Investment Bank AD's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where CB First Investment Bank AD'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.
CB First Investment Bank AD (FRA:834) has a Debt-to-Equity of 1.11 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CB First Investment Bank AD and its competitors. This is 192% above median its historical median of 0.38. Over the past decade, CB First Investment Bank AD's Debt-to-Equity has ranged from 0.25 to 1.29. According to the industry distribution chart, CB First Investment Bank AD ranks #993 out of 1415 companies in the Banks industry, placing it in the top 70.2%.
Is CB First Investment Bank AD's Debt-to-Equity too high?
CB First Investment Bank AD's current Debt-to-Equity of 1.11 is 192% above median its 10-year median of 0.38. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 1.29. The Banks industry median Debt-to-Equity is 0.58. CB First Investment Bank AD's value of 1.11 is 91.4% above this industry median. Based on the distribution chart, CB First Investment Bank AD ranks #993 out of 1415 companies in the Banks industry, which is below the industry midpoint. Overall, CB First Investment Bank AD has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CB First Investment Bank AD's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, CB First Investment Bank AD ranks #993 out of 1415 companies for Debt-to-Equity. This places CB First Investment Bank AD in the lower half of its industry. The industry median Debt-to-Equity is 0.58. CB First Investment Bank AD's value of 1.11 is 91.4% above this benchmark. Historically, CB First Investment Bank AD's own Debt-to-Equity has ranged from 0.25 to 1.29 over the past decade. While the company's 10-year median is 0.38 vs. the industry median of 0.58, CB First Investment Bank AD has consistently been above 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 1,415 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. CB First Investment Bank AD's current Debt-to-Equity of 1.11 is 91.4% above 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 CB First Investment Bank AD 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. CB First Investment Bank AD's current Debt-to-Equity is 1.11, which is 192% above median its own 10-year median of 0.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB First Investment Bank AD stock overvalued right now?
Based on GuruFocus' analysis, CB First Investment Bank AD (FRA:834) is currently considered Modestly Undervalued. The stock's GF Value™ is €4.57, compared to a current price of €3.62 — trading 20.8% below its estimated fair value. The current Debt-to-Equity is 1.11, which is 192% above median its 10-year median of 0.38 and 91.4% above the Banks industry median of 0.58. CB First Investment Bank AD'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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For CB First Investment Bank AD (FRA:834), the current Debt-to-Equity is 1.11 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 CB First Investment Bank AD (FRA:834) Overvalued in 2026?
Based on GuruFocus' analysis, CB First Investment Bank AD stock appears to be undervalued.
The current stock price of €3.62 is trading 20.8% below its estimated GF Value™ of €4.57.
GuruFocus considers CB First Investment Bank AD to be Modestly Undervalued.
Key valuation signals for FRA:834:
Debt-to-Equity: 1.11 (192% above median its 10-year median of 0.38)
GF Value™: €4.57 vs. price of €3.62 (20.8% below fair value)
Industry Position: 91.4% above the Banks median (#993 of 1415)
No single metric tells the full story. See the FRA:834 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CB First Investment Bank AD provides banking services. The company provides Retail banking; Microlending; SME banking; Corporate banking; Card payments; Digital banking; Trade financing; International payments; Corporate lending, and others. Geographically the group operates principally in Bulgaria but also has operations in Cyprus and Albania.
67GF Score
Get the complete analysis for FRA:834
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