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Golden State BancorpGSBX 63 Equity-to-Asset is 0.09 as of Jun. 2026, which is at its 10-year median of 0.09. GuruFocus rates GSBX with a GF Score™ of 63/100 and a GF Value™ of $32.95 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, Golden State Bancorp ranks worse than 55.55% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Golden State Bancorp's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $88.17 Mil. Golden State Bancorp's Total Assets for the quarter that ended in Jun. 2026 was $1,000.89 Mil.
Therefore, Golden State Bancorp's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.09.
The historical rank and industry rank for Golden State Bancorp's Equity-to-Asset or its related term are showing as below:
GSBX'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.09 Max: 0.09
Current: 0.09
During the past 11 years, the highest Equity to Asset Ratio of Golden State Bancorp was 0.09. The lowest was 0.07. And the median was 0.09.
GSBX's Equity-to-Asset is ranked worse than 55.55% of 1523
companies
in the Banks industry
Industry Median: 0.1
vs GSBX: 0.09
Golden State Bancorp (OTCPK:GSBX) 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%.
Golden State Bancorp Equity-to-Asset Related Terms
Golden State Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Golden State Bancorp'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.
GSBX vs RVSB, PROV, PBNK: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Golden State Bancorp'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.
Golden State Bancorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Golden State Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Golden State Bancorp'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.
Golden State Bancorp'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.
Golden State Bancorp (GSBX) has a Equity-to-Asset of 0.09 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Golden State Bancorp and its competitors. This is near median its historical median of 0.09. Over the past decade, Golden State Bancorp's Equity-to-Asset has ranged from 0.07 to 0.09. According to the industry distribution chart, Golden State Bancorp ranks #846 out of 1523 companies in the Banks industry, placing it in the top 55.5%.
Is Golden State Bancorp's Equity-to-Asset too high?
Golden State Bancorp's 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 0.09. The Banks industry median Equity-to-Asset is 0.10. Golden State Bancorp's value of 0.09 is 10% below this industry median. Based on the distribution chart, Golden State Bancorp ranks #846 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Golden State Bancorp has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Golden State Bancorp's Equity-to-Asset compare to RVSB and PROV?
According to the Banks industry distribution chart, Golden State Bancorp ranks #846 out of 1523 companies for Equity-to-Asset. This places Golden State Bancorp in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Golden State Bancorp's value of 0.09 is 10% below this benchmark. Historically, Golden State Bancorp's own Equity-to-Asset has ranged from 0.07 to 0.09 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Golden State Bancorp 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 1,523 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. Golden State Bancorp'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 Golden State Bancorp 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. Golden State Bancorp'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 Golden State Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Golden State Bancorp (GSBX) is currently considered Modestly Overvalued. The stock's GF Value™ is $32.95, compared to a current price of $37.91 — trading 15.1% 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. Golden State Bancorp's overall GF Score™ is 63/100 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 Golden State Bancorp (GSBX), the current Equity-to-Asset is 0.09 as of Jun. 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 Golden State Bancorp (GSBX) Overvalued in 2026?
Based on GuruFocus' analysis, Golden State Bancorp stock appears to be overvalued.
The current stock price of $37.91 is trading 15.1% above its estimated GF Value™ of $32.95.
GuruFocus considers Golden State Bancorp to be Modestly Overvalued.
Key valuation signals for GSBX:
Equity-to-Asset: 0.09 (near median its 10-year median of 0.09)
GF Value™: $32.95 vs. price of $37.91 (15.1% above fair value)
Industry Position: 10% below the Banks median (#846 of 1523)
No single metric tells the full story. See the GSBX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Golden State Bancorp is a bank holding company. Through the Golden State Bank, it functions as a full-service bank, serving the business, commercial, and professional markets. The bank offers various financial products and services such as different types of loans and advances, deposit accounts, cash management services, and international banking services among others.
63GF Score
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