Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Komercni Banka ASKMERF 66 Equity-to-Asset is 0.07 as of Jun. 2026, which is 22% below its 10-year median of 0.09. GuruFocus rates KMERF with a GF Score™ of 66/100 and a GF Value™ of $42.54. The stock has 5 warning signs investors should review. Among 1,518 Banks companies, Komercni Banka AS ranks worse than 76.22% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Komercni Banka AS's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $5,595 Mil. Komercni Banka AS's Total Assets for the quarter that ended in Jun. 2026 was $85,819 Mil.
Therefore, Komercni Banka AS's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.07.
The historical rank and industry rank for Komercni Banka AS's Equity-to-Asset or its related term are showing as below:
KMERF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.09 Max: 0.11
Current: 0.07
During the past 13 years, the highest Equity to Asset Ratio of Komercni Banka AS was 0.11. The lowest was 0.07. And the median was 0.09.
KMERF's Equity-to-Asset is ranked worse than 76.22% of 1518
companies
in the Banks industry
Industry Median: 0.1
vs KMERF: 0.07
Komercni Banka AS (OTCPK:KMERF) 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%.
Komercni Banka AS Equity-to-Asset Related Terms
Komercni Banka AS Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Komercni Banka AS'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.
For the Banks - Regional subindustry, Komercni Banka AS'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.
Komercni Banka AS Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Komercni Banka AS's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Komercni Banka AS'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.
Komercni Banka AS'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.
Komercni Banka AS (KMERF) has a Equity-to-Asset of 0.07 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Komercni Banka AS and its competitors. This is 22% below median its historical median of 0.09. Over the past decade, Komercni Banka AS's Equity-to-Asset has ranged from 0.07 to 0.11. According to the industry distribution chart, Komercni Banka AS ranks #1157 out of 1518 companies in the Banks industry, placing it in the top 76.2%.
Is Komercni Banka AS's Equity-to-Asset too high?
Komercni Banka AS's current Equity-to-Asset of 0.07 is 22% below 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 0.11. The Banks industry median Equity-to-Asset is 0.10. Komercni Banka AS's value of 0.07 is 30% below this industry median. Based on the distribution chart, Komercni Banka AS ranks #1157 out of 1518 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Komercni Banka AS has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Komercni Banka AS's Equity-to-Asset compare to USB and PNC?
According to the Banks industry distribution chart, Komercni Banka AS ranks #1157 out of 1518 companies for Equity-to-Asset. This places Komercni Banka AS in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Komercni Banka AS's value of 0.07 is 30% below this benchmark. Historically, Komercni Banka AS's own Equity-to-Asset has ranged from 0.07 to 0.11 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Komercni Banka AS 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 1,518 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. Komercni Banka AS's current Equity-to-Asset of 0.07 is 30% 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 Komercni Banka AS 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. Komercni Banka AS's current Equity-to-Asset is 0.07, which is 22% below 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 Komercni Banka AS stock overvalued right now?
Komercni Banka AS (KMERF) has a current Equity-to-Asset of 0.07. The stock's GF Value™ is $42.54, compared to a current price of $47.23 — trading 11% above its estimated fair value. The current Equity-to-Asset is 0.07, which is 22% below median its 10-year median of 0.09 and 30% below the Banks industry median of 0.10. Komercni Banka AS's overall GF Score™ is 66/100 with 5 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 Komercni Banka AS (KMERF), the current Equity-to-Asset is 0.07 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 Komercni Banka AS (KMERF) Overvalued in 2026?
Based on GuruFocus' analysis, Komercni Banka AS stock appears to be overvalued.
The current stock price of $47.23 is trading 11% above its estimated GF Value™ of $42.54.
Key valuation signals for KMERF:
Equity-to-Asset: 0.07 (22% below median its 10-year median of 0.09)
GF Value™: $42.54 vs. price of $47.23 (11% above fair value)
Industry Position: 30% below the Banks median (#1157 of 1518)
No single metric tells the full story. See the KMERF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Komercni Banka AS is a universal bank providing a wide range of retail, corporate, and investment banking activities. These activities are complemented by other specialized services, including pension insurance, building savings, leasing, factoring, consumer loans, insurance, and services of fintech companies. The Group has the following operating segments: i) Retail Banking: includes the provision of products and services to individuals, ii) Corporate Banking: includes the provision of products and services to corporate entities, iii) Investment Banking: involves trading in financial instruments; and iv) Other: consists of the head office of the Bank. The majority of the revenue is derived from the Retail banking segment.
66GF Score
Get the complete analysis for KMERF
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KMERF has been successfully added to your 
