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Hamlin Bank and Trust Co (OTCPK:HMLN) 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%.
Hamlin Bank and Trust Co Equity-to-Asset Related Terms
Hamlin Bank and Trust Co 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.
HMLN vs IBTN, CZBT, KLIB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Hamlin Bank and Trust Co'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.
Hamlin Bank and Trust Co Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Hamlin Bank and Trust Co's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Hamlin Bank and Trust Co's Equity-to-Asset falls into.
Hamlin Bank and Trust Co 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.
Hamlin Bank and Trust Co'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.
Hamlin Bank and Trust Co (HMLN) has a Equity-to-Asset of 0.20 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Hamlin Bank and Trust Co and its competitors. This is near median its historical median of 0.20. Over the past decade, Hamlin Bank and Trust Co's Equity-to-Asset has ranged from 0.19 to 0.23. According to the industry distribution chart, Hamlin Bank and Trust Co ranks #101 out of 1524 companies in the Banks industry, placing it in the top 6.6%.
Is Hamlin Bank and Trust Co's Equity-to-Asset too high?
Hamlin Bank and Trust Co's current Equity-to-Asset of 0.20 is near median its 10-year median of 0.20. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 0.23. The Banks industry median Equity-to-Asset is 0.10. Hamlin Bank and Trust Co's value of 0.20 is 100% above this industry median. Based on the distribution chart, Hamlin Bank and Trust Co ranks #101 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Hamlin Bank and Trust Co has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's Equity-to-Asset compare to IBTN and CZBT?
According to the Banks industry distribution chart, Hamlin Bank and Trust Co ranks #101 out of 1524 companies for Equity-to-Asset. This places Hamlin Bank and Trust Co in the top 7% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Hamlin Bank and Trust Co's value of 0.20 is 100% above this benchmark. Historically, Hamlin Bank and Trust Co's own Equity-to-Asset has ranged from 0.19 to 0.23 over the past decade. While the company's 10-year median is 0.20 vs. the industry median of 0.10, Hamlin Bank and Trust Co 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. Hamlin Bank and Trust Co's current Equity-to-Asset of 0.20 is 100% 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 Hamlin Bank and Trust Co 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. Hamlin Bank and Trust Co's current Equity-to-Asset is 0.20, which is near median its own 10-year median of 0.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Fairly Valued. The stock's GF Value™ is $279.02, compared to a current price of $263.00 — trading 5.7% below its estimated fair value. The current Equity-to-Asset is 0.20, which is near median its 10-year median of 0.20 and 100% above the Banks industry median of 0.10. Hamlin Bank and Trust Co's overall GF Score™ is 71/100 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 Hamlin Bank and Trust Co (HMLN), the current Equity-to-Asset is 0.20 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued.
The current stock price of $263.00 is trading 5.7% below its estimated GF Value™ of $279.02.
GuruFocus considers Hamlin Bank and Trust Co to be Fairly Valued.
Key valuation signals for HMLN:
Equity-to-Asset: 0.20 (near median its 10-year median of 0.20)
GF Value™: $279.02 vs. price of $263.00 (5.7% below fair value)
Industry Position: 100% above the Banks median (#101 of 1524)
No single metric tells the full story. See the HMLN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
71GF Score
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