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.
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.
BankFirst CapitalBFCC +0.03%70 Equity-to-Asset is 0.13 as of Jun. 2026, which is 44% above its 10-year median of 0.09. GuruFocus rates BFCC with a GF Score™ of 70/100 and a GF Value™ of $51.78 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, BankFirst Capital ranks better than 78.33% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. BankFirst Capital's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $429.7 Mil. BankFirst Capital's Total Assets for the quarter that ended in Jun. 2026 was $3,338.8 Mil.
Therefore, BankFirst Capital's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.13.
The historical rank and industry rank for BankFirst Capital's Equity-to-Asset or its related term are showing as below:
BFCC'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.09 Max: 0.15
Current: 0.13
During the past 10 years, the highest Equity to Asset Ratio of BankFirst Capital was 0.15. The lowest was 0.07. And the median was 0.09.
BFCC's Equity-to-Asset is ranked better than 78.33% of 1523
companies
in the Banks industry
Industry Median: 0.1
vs BFCC: 0.13
BankFirst Capital (OTCPK:BFCC) 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%.
BankFirst Capital Equity-to-Asset Related Terms
BankFirst Capital Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for BankFirst Capital'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.
BFCC vs MFGI, CSHX, COSO: Equity-to-Asset Comparison
For the Banks - Regional subindustry, BankFirst Capital'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.
BankFirst Capital Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, BankFirst Capital's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where BankFirst Capital'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.
BankFirst Capital'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.
BankFirst Capital (BFCC) has a Equity-to-Asset of 0.13 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on BankFirst Capital and its competitors. This is 44% above median its historical median of 0.09. Over the past decade, BankFirst Capital's Equity-to-Asset has ranged from 0.07 to 0.15. According to the industry distribution chart, BankFirst Capital ranks #330 out of 1523 companies in the Banks industry, placing it in the top 21.7%.
Is BankFirst Capital's Equity-to-Asset too high?
BankFirst Capital's current Equity-to-Asset of 0.13 is 44% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.15. The Banks industry median Equity-to-Asset is 0.10. BankFirst Capital's value of 0.13 is 30% above this industry median. Based on the distribution chart, BankFirst Capital ranks #330 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BankFirst Capital has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BankFirst Capital's Equity-to-Asset compare to MFGI and CSHX?
According to the Banks industry distribution chart, BankFirst Capital ranks #330 out of 1523 companies for Equity-to-Asset. This places BankFirst Capital in the top 22% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. BankFirst Capital's value of 0.13 is 30% above this benchmark. Historically, BankFirst Capital's own Equity-to-Asset has ranged from 0.07 to 0.15 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, BankFirst Capital 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,523 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. BankFirst Capital's current Equity-to-Asset of 0.13 is 30% 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 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 BankFirst Capital 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. BankFirst Capital's current Equity-to-Asset is 0.13, which is 44% above median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BankFirst Capital stock overvalued right now?
Based on GuruFocus' analysis, BankFirst Capital (BFCC) is currently considered Modestly Overvalued. The stock's GF Value™ is $51.78, compared to a current price of $63.27 — trading 22.2% above its estimated fair value. The current Equity-to-Asset is 0.13, which is 44% above median its 10-year median of 0.09 and 30% above the Banks industry median of 0.10. BankFirst Capital's overall GF Score™ is 70/100 with 6 warning signs 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 BankFirst Capital (BFCC), the current Equity-to-Asset is 0.13 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 BankFirst Capital (BFCC) Overvalued in 2026?
Based on GuruFocus' analysis, BankFirst Capital stock appears to be overvalued.
The current stock price of $63.27 is trading 22.2% above its estimated GF Value™ of $51.78.
GuruFocus considers BankFirst Capital to be Modestly Overvalued.
Key valuation signals for BFCC:
Equity-to-Asset: 0.13 (44% above median its 10-year median of 0.09)
GF Value™: $51.78 vs. price of $63.27 (22.2% above fair value)
Industry Position: 30% above the Banks median (#330 of 1523)
No single metric tells the full story. See the BFCC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BankFirst Capital Corp is a bank holding company whose principal activity is the ownership and management of its wholly-owned subsidiary. Through its subsidiary, the company is engaged in providing a full range of banking and financial services to individual and corporate customers in Mississippi and Alabama.
70GF Score
Get the complete analysis for BFCC
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BFCC has been successfully added to your 
