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Fcn BancFBVI 63 Equity-to-Asset is 0.08 as of Dec. 2025, which is 20% below its 10-year median of 0.10. GuruFocus rates FBVI with a GF Score™ of 63/100 and a GF Value™ of $34.20 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,521 Banks companies, Fcn Banc ranks worse than 66.34% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Fcn Banc's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $63.31 Mil. Fcn Banc's Total Assets for the quarter that ended in Dec. 2025 was $793.26 Mil.
Therefore, Fcn Banc's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.08.
The historical rank and industry rank for Fcn Banc's Equity-to-Asset or its related term are showing as below:
FBVI'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05 Med: 0.1 Max: 0.12
Current: 0.08
During the past 9 years, the highest Equity to Asset Ratio of Fcn Banc was 0.12. The lowest was 0.05. And the median was 0.10.
FBVI's Equity-to-Asset is ranked worse than 66.34% of 1521
companies
in the Banks industry
Industry Median: 0.1
vs FBVI: 0.08
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%.
Fcn Banc Equity-to-Asset Related Terms
Fcn Banc Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Fcn Banc'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.
FBVI vs BAOB, PGNN, IBWC: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Fcn Banc'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.
Fcn Banc Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Fcn Banc's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Fcn Banc'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.
Fcn Banc'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.
Fcn Banc (FBVI) has a Equity-to-Asset of 0.08 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Fcn Banc and its competitors. This is 20% below median its historical median of 0.10. Over the past decade, Fcn Banc's Equity-to-Asset has ranged from 0.05 to 0.12. According to the industry distribution chart, Fcn Banc ranks #1009 out of 1521 companies in the Banks industry, placing it in the top 66.3%.
Is Fcn Banc's Equity-to-Asset too high?
Fcn Banc's current Equity-to-Asset of 0.08 is 20% below median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Fcn Banc's value of 0.08 is 20% below this industry median. Based on the distribution chart, Fcn Banc ranks #1009 out of 1521 companies in the Banks industry, which is below the industry midpoint. Overall, Fcn Banc has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fcn Banc's Equity-to-Asset compare to BAOB and PGNN?
According to the Banks industry distribution chart, Fcn Banc ranks #1009 out of 1521 companies for Equity-to-Asset. This places Fcn Banc in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Fcn Banc's value of 0.08 is 20% below this benchmark. Historically, Fcn Banc's own Equity-to-Asset has ranged from 0.05 to 0.12 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Fcn Banc 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 1,521 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. Fcn Banc's current Equity-to-Asset of 0.08 is 20% 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 Fcn Banc 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. Fcn Banc's current Equity-to-Asset is 0.08, which is 20% below median its own 10-year median of 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fcn Banc stock overvalued right now?
Based on GuruFocus' analysis, Fcn Banc (FBVI) is currently considered Modestly Overvalued. The stock's GF Value™ is $34.20, compared to a current price of $39.00 — trading 14% above its estimated fair value. The current Equity-to-Asset is 0.08, which is 20% below median its 10-year median of 0.10 and 20% below the Banks industry median of 0.10. Fcn Banc's overall GF Score™ is 63/100 with 4 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 Fcn Banc (FBVI), the current Equity-to-Asset is 0.08 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 Fcn Banc (FBVI) Overvalued in 2026?
Based on GuruFocus' analysis, Fcn Banc stock appears to be overvalued.
The current stock price of $39.00 is trading 14% above its estimated GF Value™ of $34.20.
GuruFocus considers Fcn Banc to be Modestly Overvalued.
Key valuation signals for FBVI:
Equity-to-Asset: 0.08 (20% below median its 10-year median of 0.10)
GF Value™: $34.20 vs. price of $39.00 (14% above fair value)
Industry Position: 20% below the Banks median (#1009 of 1521)
No single metric tells the full story. See the FBVI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fcn Banc Corp provides banking services. It provides personal and business banking services which consists of deposits, loans, mortgage. The Bank conducts a general banking business in southeast Indiana and southwest Ohio which consists of attracting deposits from the general public and applying those funds to the origination of loans for residential, consumer and commercial purposes.
63GF Score
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Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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