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BTV Vier Lander Bank AGFRA:ZTY 60 Equity-to-Asset is 0.16 as of Mar. 2026, which is 14% above its 10-year median of 0.14. GuruFocus rates FRA:ZTY with a GF Score™ of 60/100 and a GF Value™ of €54.54 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,524 Banks companies, BTV Vier Lander Bank AG ranks better than 89.5% on this metric.
BTV Vier Lander Bank AG (FRA:ZTY) 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%.
BTV Vier Lander Bank AG Equity-to-Asset Related Terms
BTV Vier Lander Bank AG Equity-to-Asset Historical Data
* 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.
For the Banks - Regional subindustry, BTV Vier Lander Bank AG'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.
BTV Vier Lander Bank AG Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, BTV Vier Lander Bank AG's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where BTV Vier Lander Bank AG's Equity-to-Asset falls into.
BTV Vier Lander Bank AG Equity-to-Asset Calculation
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.
BTV Vier Lander Bank AG'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.
BTV Vier Lander Bank AG (FRA:ZTY) has a Equity-to-Asset of 0.16 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on BTV Vier Lander Bank AG and its competitors. This is 14% above median its historical median of 0.14. Over the past decade, BTV Vier Lander Bank AG's Equity-to-Asset has ranged from 0.12 to 0.17. According to the industry distribution chart, BTV Vier Lander Bank AG ranks #160 out of 1524 companies in the Banks industry, placing it in the top 10.5%.
Is BTV Vier Lander Bank AG's Equity-to-Asset too high?
BTV Vier Lander Bank AG's current Equity-to-Asset of 0.16 is 14% above median its 10-year median of 0.14. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.17. The Banks industry median Equity-to-Asset is 0.10. BTV Vier Lander Bank AG's value of 0.16 is 60% above this industry median. Based on the distribution chart, BTV Vier Lander Bank AG ranks #160 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BTV Vier Lander Bank AG has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BTV Vier Lander Bank AG's Equity-to-Asset compare to PNC and USB?
According to the Banks industry distribution chart, BTV Vier Lander Bank AG ranks #160 out of 1524 companies for Equity-to-Asset. This places BTV Vier Lander Bank AG in the top 11% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. BTV Vier Lander Bank AG's value of 0.16 is 60% above this benchmark. Historically, BTV Vier Lander Bank AG's own Equity-to-Asset has ranged from 0.12 to 0.17 over the past decade. While the company's 10-year median is 0.14 vs. the industry median of 0.10, BTV Vier Lander Bank AG 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 1,524 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. BTV Vier Lander Bank AG's current Equity-to-Asset of 0.16 is 60% 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 BTV Vier Lander Bank AG 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. BTV Vier Lander Bank AG's current Equity-to-Asset is 0.16, which is 14% above median its own 10-year median of 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BTV Vier Lander Bank AG stock overvalued right now?
Based on GuruFocus' analysis, BTV Vier Lander Bank AG (FRA:ZTY) is currently considered Significantly Overvalued. The stock's GF Value™ is €54.54, compared to a current price of €100.00 — trading 83.4% above its estimated fair value. The current Equity-to-Asset is 0.16, which is 14% above median its 10-year median of 0.14 and 60% above the Banks industry median of 0.10. BTV Vier Lander Bank AG's overall GF Score™ is 60/100 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 BTV Vier Lander Bank AG (FRA:ZTY), the current Equity-to-Asset is 0.16 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 BTV Vier Lander Bank AG (FRA:ZTY) Overvalued in 2026?
Based on GuruFocus' analysis, BTV Vier Lander Bank AG stock appears to be overvalued.
The current stock price of €100.00 is trading 83.4% above its estimated GF Value™ of €54.54.
GuruFocus considers BTV Vier Lander Bank AG to be Significantly Overvalued.
Key valuation signals for FRA:ZTY:
Equity-to-Asset: 0.16 (14% above median its 10-year median of 0.14)
GF Value™: €54.54 vs. price of €100.00 (83.4% above fair value)
Industry Position: 60% above the Banks median (#160 of 1524)
No single metric tells the full story. See the FRA:ZTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BTV Vier Lander Bank AG provides banking and financial products and services. It operates in Austria, Switzerland and Germany. It has corporate clients, retail clients, institutional clients and banks, leasing, and cable cars segments. The firm derives the majority of the revenues from the corporate client's segment.
60GF Score
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