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CIB Marine BancsharesCIBH -3.74%39 Equity-to-Asset is 0.10 as of Mar. 2026, which is 17% below its 10-year median of 0.12. GuruFocus rates CIBH with a GF Score™ of 39/100. The stock has 7 warning signs investors should review. Among 1,524 Banks companies, CIB Marine Bancshares ranks better than 54.53% on this metric.
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%.
CIB Marine Bancshares Equity-to-Asset Related Terms
CIB Marine Bancshares Equity-to-Asset Historical Data
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The historical data trend for CIB Marine Bancshares'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.
CIBH vs BBBK, NIDB, INFT: Equity-to-Asset Comparison
For the Banks - Regional subindustry, CIB Marine Bancshares'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.
CIB Marine Bancshares Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, CIB Marine Bancshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where CIB Marine Bancshares'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.
CIB Marine Bancshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2023 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.
CIB Marine Bancshares (CIBH) has a Equity-to-Asset of 0.10 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on CIB Marine Bancshares and its competitors. This is 17% below median its historical median of 0.12. Over the past decade, CIB Marine Bancshares' Equity-to-Asset has ranged from 0.09 to 0.15. According to the industry distribution chart, CIB Marine Bancshares ranks #693 out of 1524 companies in the Banks industry, placing it in the top 45.5%.
Is CIB Marine Bancshares' Equity-to-Asset too high?
CIB Marine Bancshares' current Equity-to-Asset of 0.10 is 17% below median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.15. The Banks industry median Equity-to-Asset is 0.10. CIB Marine Bancshares' value of 0.10 is 0% at this industry median. Based on the distribution chart, CIB Marine Bancshares ranks #693 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, CIB Marine Bancshares has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does CIB Marine Bancshares' Equity-to-Asset compare to BBBK and NIDB?
According to the Banks industry distribution chart, CIB Marine Bancshares ranks #693 out of 1524 companies for Equity-to-Asset. This puts CIB Marine Bancshares in the upper half of its industry. The industry median Equity-to-Asset is 0.10. CIB Marine Bancshares' value of 0.10 is 0% at this benchmark. Historically, CIB Marine Bancshares' own Equity-to-Asset has ranged from 0.09 to 0.15 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, CIB Marine Bancshares 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 1,524 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. CIB Marine Bancshares'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 CIB Marine Bancshares 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. CIB Marine Bancshares's current Equity-to-Asset is 0.10, which is 17% below median its own 10-year median of 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CIB Marine Bancshares stock overvalued right now?
CIB Marine Bancshares (CIBH) has a current Equity-to-Asset of 0.10. The current Equity-to-Asset is 0.10, which is 17% below median its 10-year median of 0.12 and 0% at the Banks industry median of 0.10. CIB Marine Bancshares' overall GF Score™ is 39/100 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 CIB Marine Bancshares (CIBH), the current Equity-to-Asset is 0.10 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.
CIB Marine Bancshares Inc is a financial service holding company. It provides a full range of banking and related services through its banking subsidiary. The primary sources of revenue are predominantly from loans to small and middle-market business customers, investments in securities, and mortgage banking activity. The Bank also offers a range of deposits and other financial products to its customers. Its offices and, generally, customers are in the central and northeastern Illinois, Milwaukee, and Indianapolis markets.
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