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Benchmark BanksharesBMBN +0.12%65 Equity-to-Asset is 0.09 as of Mar. 2026, which is at its 10-year median of 0.09. GuruFocus rates BMBN with a GF Score™ of 65/100 and a GF Value™ of $32.60 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,524 Banks companies, Benchmark Bankshares ranks worse than 55.64% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Benchmark Bankshares's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $131.60 Mil. Benchmark Bankshares's Total Assets for the quarter that ended in Mar. 2026 was $1,404.80 Mil.
Therefore, Benchmark Bankshares's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.09.
The historical rank and industry rank for Benchmark Bankshares's Equity-to-Asset or its related term are showing as below:
BMBN'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.09 Max: 0.11
Current: 0.09
During the past 13 years, the highest Equity to Asset Ratio of Benchmark Bankshares was 0.11. The lowest was 0.07. And the median was 0.09.
BMBN's Equity-to-Asset is ranked worse than 55.64% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs BMBN: 0.09
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%.
Benchmark Bankshares Equity-to-Asset Related Terms
Benchmark Bankshares Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Benchmark Bankshares'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.
BMBN vs EBMT, LYBC, CPKF: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Benchmark Bankshares'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.
Benchmark Bankshares Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Benchmark Bankshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Benchmark Bankshares'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.
Benchmark Bankshares'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.
Benchmark Bankshares (BMBN) has a Equity-to-Asset of 0.09 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Benchmark Bankshares and its competitors. This is near median its historical median of 0.09. Over the past decade, Benchmark Bankshares' Equity-to-Asset has ranged from 0.07 to 0.11. According to the industry distribution chart, Benchmark Bankshares ranks #848 out of 1524 companies in the Banks industry, placing it in the top 55.6%.
Is Benchmark Bankshares' Equity-to-Asset too high?
Benchmark Bankshares' current Equity-to-Asset of 0.09 is near 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 0.11. The Banks industry median Equity-to-Asset is 0.10. Benchmark Bankshares' value of 0.09 is 10% below this industry median. Based on the distribution chart, Benchmark Bankshares ranks #848 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, Benchmark Bankshares has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Benchmark Bankshares' Equity-to-Asset compare to EBMT and LYBC?
According to the Banks industry distribution chart, Benchmark Bankshares ranks #848 out of 1524 companies for Equity-to-Asset. This places Benchmark Bankshares in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Benchmark Bankshares' value of 0.09 is 10% below this benchmark. Historically, Benchmark Bankshares' own Equity-to-Asset has ranged from 0.07 to 0.11 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Benchmark Bankshares 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 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. Benchmark Bankshares's current Equity-to-Asset of 0.09 is 10% 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 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 Benchmark Bankshares 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. Benchmark Bankshares's current Equity-to-Asset is 0.09, which is near 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 Benchmark Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Benchmark Bankshares (BMBN) is currently considered Significantly Overvalued. The stock's GF Value™ is $32.60, compared to a current price of $43.00 — trading 31.9% above its estimated fair value. The current Equity-to-Asset is 0.09, which is near median its 10-year median of 0.09 and 10% below the Banks industry median of 0.10. Benchmark Bankshares' overall GF Score™ is 65/100 with 5 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 Benchmark Bankshares (BMBN), the current Equity-to-Asset is 0.09 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 Benchmark Bankshares (BMBN) Overvalued in 2026?
Based on GuruFocus' analysis, Benchmark Bankshares stock appears to be overvalued.
The current stock price of $43.00 is trading 31.9% above its estimated GF Value™ of $32.60.
GuruFocus considers Benchmark Bankshares to be Significantly Overvalued.
Key valuation signals for BMBN:
Equity-to-Asset: 0.09 (near median its 10-year median of 0.09)
GF Value™: $32.60 vs. price of $43.00 (31.9% above fair value)
Industry Position: 10% below the Banks median (#848 of 1524)
No single metric tells the full story. See the BMBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Benchmark Bankshares Inc is a bank holding company for Benchmark Community Bank, which offers a wide range of banking and related financial services to individuals and small to medium-sized businesses through offices located in Virginia and North Carolina. The bank provides personal account services, business account services, loan products, internet banking services, mobile banking services, debit cards, money management services, mortgage services, credit card facilities, and other related services.
65GF Score
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