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Ledyard Financial GroupLFGP +0.67%59 Equity-to-Asset is 0.06 as of Mar. 2026, which is 33% below its 10-year median of 0.09. GuruFocus rates LFGP with a GF Score™ of 59/100 and a GF Value™ of $20.67 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,524 Banks companies, Ledyard Financial Group ranks worse than 84.71% on this metric.
Ledyard Financial Group (OTCPK:LFGP) 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%.
Ledyard Financial Group Equity-to-Asset Related Terms
Ledyard Financial Group 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.
LFGP vs DWNX, CBWA, MVLY: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Ledyard Financial Group'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.
Ledyard Financial Group Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Ledyard Financial Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Ledyard Financial Group's Equity-to-Asset falls into.
Ledyard Financial Group 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.
Ledyard Financial Group'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.
Ledyard Financial Group (LFGP) has a Equity-to-Asset of 0.06 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Ledyard Financial Group and its competitors. This is 33% below median its historical median of 0.09. Over the past decade, Ledyard Financial Group's Equity-to-Asset has ranged from 0.06 to 0.11. According to the industry distribution chart, Ledyard Financial Group ranks #1291 out of 1524 companies in the Banks industry, placing it in the top 84.7%.
Is Ledyard Financial Group's Equity-to-Asset too high?
Ledyard Financial Group's current Equity-to-Asset of 0.06 is 33% below median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. Ledyard Financial Group's value of 0.06 is 40% below this industry median. Based on the distribution chart, Ledyard Financial Group ranks #1291 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Ledyard Financial Group has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ledyard Financial Group's Equity-to-Asset compare to DWNX and CBWA?
According to the Banks industry distribution chart, Ledyard Financial Group ranks #1291 out of 1524 companies for Equity-to-Asset. This places Ledyard Financial Group in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Ledyard Financial Group's value of 0.06 is 40% below this benchmark. Historically, Ledyard Financial Group's own Equity-to-Asset has ranged from 0.06 to 0.11 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Ledyard Financial Group 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 1,524 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. Ledyard Financial Group's current Equity-to-Asset of 0.06 is 40% 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 Ledyard Financial Group 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. Ledyard Financial Group's current Equity-to-Asset is 0.06, which is 33% 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 Ledyard Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Ledyard Financial Group (LFGP) is currently considered Fairly Valued. The stock's GF Value™ is $20.67, compared to a current price of $22.40 — trading 8.4% above its estimated fair value. The current Equity-to-Asset is 0.06, which is 33% below median its 10-year median of 0.09 and 40% below the Banks industry median of 0.10. Ledyard Financial Group's overall GF Score™ is 59/100 with 7 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 Ledyard Financial Group (LFGP), the current Equity-to-Asset is 0.06 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 Ledyard Financial Group (LFGP) Overvalued in 2026?
Based on GuruFocus' analysis, Ledyard Financial Group stock appears to be overvalued.
The current stock price of $22.40 is trading 8.4% above its estimated GF Value™ of $20.67.
GuruFocus considers Ledyard Financial Group to be Fairly Valued.
Key valuation signals for LFGP:
Equity-to-Asset: 0.06 (33% below median its 10-year median of 0.09)
GF Value™: $20.67 vs. price of $22.40 (8.4% above fair value)
Industry Position: 40% below the Banks median (#1291 of 1524)
No single metric tells the full story. See the LFGP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ledyard Financial Group Inc is a bank holding company. Through its banking subsidiary, it provides retail and commercial banking and wealth advisory services through office locations in New Hampshire and Vermont. The Group operates in two segments: Banking and Wealth Advisory Services. Maximum revenue is generated from the Banking segment, which principally consists of lending to commercial and consumer customers, as well as deposit gathering activities. Wealth Advisory Services segment includes, as its principal business lines, financial planning services, investment management services, personal tax services, trustee services, and estate planning.
59GF Score
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