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BEO Bancorp ORBEOB 72 Equity-to-Asset is 0.10 as of Dec. 2025, which is 43% above its 10-year median of 0.07. 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 1,518 Banks companies, BEO Bancorp OR ranks better than 54.41% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. BEO Bancorp OR's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $96.18 Mil. BEO Bancorp OR's Total Assets for the quarter that ended in Dec. 2025 was $958.58 Mil.
Therefore, BEO Bancorp OR's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.10.
The historical rank and industry rank for BEO Bancorp OR's Equity-to-Asset or its related term are showing as below:
BEOB'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06 Med: 0.07 Max: 0.1
Current: 0.1
During the past 11 years, the highest Equity to Asset Ratio of BEO Bancorp OR was 0.10. The lowest was 0.06. And the median was 0.07.
BEOB's Equity-to-Asset is ranked better than 54.41% of 1518
companies
in the Banks industry
Industry Median: 0.1
vs BEOB: 0.10
BEO Bancorp OR (OTCPK:BEOB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
BEO Bancorp OR Equity-to-Asset Related Terms
BEO Bancorp OR Equity-to-Asset Historical Data
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The historical data trend for BEO Bancorp OR's Equity-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.
BEOB vs ENBP, NODB, EMYB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, BEO Bancorp OR's Equity-to-Asset, along with its competitors' market caps and Equity-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.
BEO Bancorp OR Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, BEO Bancorp OR's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where BEO Bancorp OR's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
BEO Bancorp OR's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.10 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on BEO Bancorp OR and its competitors. This is 43% above median its historical median of 0.07. Over the past decade, BEO Bancorp OR's Equity-to-Asset has ranged from 0.06 to 0.10. According to the industry distribution chart, BEO Bancorp OR ranks #692 out of 1518 companies in the Banks industry, placing it in the top 45.6%.
Is BEO Bancorp OR's Equity-to-Asset too high?
BEO Bancorp OR's current Equity-to-Asset of 0.10 is 43% above median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. BEO Bancorp OR's value of 0.10 is 0% at this industry median. Based on the distribution chart, BEO Bancorp OR ranks #692 out of 1518 companies in the Banks industry, which is above the industry midpoint. 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 Equity-to-Asset compare to ENBP and NODB?
According to the Banks industry distribution chart, BEO Bancorp OR ranks #692 out of 1518 companies for Equity-to-Asset. This puts BEO Bancorp OR in the upper half of its industry. The industry median Equity-to-Asset is 0.10. BEO Bancorp OR's value of 0.10 is 0% at this benchmark. Historically, BEO Bancorp OR's own Equity-to-Asset has ranged from 0.06 to 0.10 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.10, BEO Bancorp OR has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BEO Bancorp OR's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on BEO Bancorp OR and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BEO Bancorp OR's current Equity-to-Asset is 0.10, which is 43% above median its own 10-year median of 0.07. 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 Equity-to-Asset is 0.10, which is 43% above median its 10-year median of 0.07 and 0% at the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For BEO Bancorp OR (BEOB), the current Equity-to-Asset is 0.10 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:
Equity-to-Asset: 0.10 (43% above median its 10-year median of 0.07)
GF Value™: $48.11 vs. price of $64.49 (34% above fair value)
Industry Position: 0% at the Banks median (#692 of 1518)
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
Get the complete analysis for BEOB
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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