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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%.
CNB Financial Services Equity-to-Asset Related Terms
CNB Financial Services Equity-to-Asset Historical Data
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The historical data trend for CNB Financial Services'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.
CBFC vs GWBK, MKIN, GOVB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, CNB Financial Services'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.
CNB Financial Services Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial Services's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where CNB Financial Services'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.
CNB Financial Services'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.
CNB Financial Services (CBFC) has a Equity-to-Asset of 0.06 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on CNB Financial Services and its competitors. This is 25% below median its historical median of 0.08. Over the past decade, CNB Financial Services' Equity-to-Asset has ranged from 0.06 to 0.09.
Is CNB Financial Services' Equity-to-Asset too high?
CNB Financial Services' current Equity-to-Asset of 0.06 is 25% below median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. CNB Financial Services' value of 0.06 is 40% below this industry median. Overall, CNB Financial Services has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does CNB Financial Services' Equity-to-Asset compare to GWBK and MKIN?
CNB Financial Services' Equity-to-Asset of 0.06 can be compared against companies in the Banks industry. The industry median Equity-to-Asset is 0.10. CNB Financial Services' value of 0.06 is 40% below this benchmark. Historically, CNB Financial Services' own Equity-to-Asset has ranged from 0.06 to 0.09 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, CNB Financial Services 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 1,525 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. CNB Financial Services's current Equity-to-Asset of 0.06 is 40% 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 CNB Financial Services 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. CNB Financial Services's current Equity-to-Asset is 0.06, which is 25% below median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNB Financial Services stock overvalued right now?
CNB Financial Services (CBFC) has a current Equity-to-Asset of 0.06. The stock's GF Value™ is $41.00, compared to a current price of $50.00 — trading 22% above its estimated fair value. The current Equity-to-Asset is 0.06, which is 25% below median its 10-year median of 0.08 and 40% below the Banks industry median of 0.10. CNB Financial Services' overall GF Score™ is 65/100 with 7 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 CNB Financial Services (CBFC), the current Equity-to-Asset is 0.06 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 CNB Financial Services (CBFC) Overvalued in 2026?
Based on GuruFocus' analysis, CNB Financial Services stock appears to be overvalued.
The current stock price of $50.00 is trading 22% above its estimated GF Value™ of $41.00.
Key valuation signals for CBFC:
Equity-to-Asset: 0.06 (25% below median its 10-year median of 0.08)
GF Value™: $41.00 vs. price of $50.00 (22% above fair value)
No single metric tells the full story. See the CBFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CNB Financial Services Inc operates as the bank holding company for CNB Bank, Inc, which is a full-service commercial bank conducting general banking and trust activities through various full-service offices and automated teller machines located in Morgan and Berkeley Counties, West Virginia, and Washington County, Maryland, among others. The sources of revenue for the Bank are interest income from loans and investments, and non-interest income. The company has the following portfolios: Construction, land, and Residential properties, Non-farm nonresidential properties, Commercial and industrial loans, Consumer loans, and Leases.
65GF Score
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